AROWNasdaqNational Commercial BanksFiscal year ends December 31

ARROW FINANCIAL CORP

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026

$36.84−0.01 (-0.03%)

Close on Oct 19, 2026

Market cap: $606.64M
P/E (TTM): 11.9
Dividend yield: 3.09%

ARROW FINANCIAL CORP balance sheet

Annual Quarterly

Millions of USD, except per-share data. Shares in millions.

Line item	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30	Q2 2023 2023-06-30	Q1 2023 2023-03-31	Q4 2022 2022-12-31	Q3 2022 2022-09-30	Q2 2022 2022-06-30	Q1 2022 2022-03-31	Q4 2021 2021-12-31	Q3 2021 2021-09-30	Q2 2021 2021-06-30	Q1 2021 2021-03-31	Q4 2020 2020-12-31	Q3 2020 2020-09-30	Q2 2020 2020-06-30	Q1 2020 2020-03-31	Q4 2019 2019-12-31	Q3 2019 2019-09-30	Q2 2019 2019-06-30	Q1 2019 2019-03-31	Q4 2018 2018-12-31	Q3 2018 2018-09-30	Q2 2018 2018-06-30	Q1 2018 2018-03-31	Q4 2017 2017-12-31	Q3 2017 2017-09-30	Q2 2017 2017-06-30	Q1 2017 2017-03-31	Q4 2016 2016-12-31	Q3 2016 2016-09-30
Cash & Equivalents	187	286	214	397	268	301	155	340	200	282	143	295	174	203	65	373	217	488	458	598	478	452	381	451	253	139	70	92	63	61	84	92	61	100	73	81	66	65	57	102
Cash & Short-Term Investments	187	286	214	397	268	301	155	340	200	282	143	295	174	203	65	373	217	488	458	598	478	452	381	451	253	139	70	92	63	61	84	92	61	100	73	81	66	65	57	102
Property, Plant & Equipment	63	60	59	60	61	60	55	60	59	59	55	60	60	58	52	54	50	48	41	44	43	43	38	42	41	41	35	40	39	35	30	29	28	28	28	26	27	27	27	27
Gross Property, Plant & Equipment	–	–	111	–	–	–	107	–	–	–	104	–	–	–	97	–	–	–	84	–	–	–	78	–	–	–	74	–	–	–	67	–	–	–	63	–	–	–	60	–
Accumulated Depreciation	–	–	-56	–	–	–	-52	–	–	–	-49	–	–	–	-45	–	–	–	-42	–	–	–	-40	–	–	–	-38	–	–	–	-37	–	–	–	-35	–	–	–	-33	–
Operating Lease Right-of-Use Assets	–	4.75	4.18	4.35	4.52	4.83	4.63	4.79	4.96	4.79	4.95	4.98	5.13	5.39	5.63	5.89	6.41	6.68	6.94	6.79	5.66	5.44	5.33	5.50	5.64	5.53	5.64	5.82	5.86	5.59	–	–	–	–	–	–	–	–	–	–
Goodwill	24	24	24	24	24	24	24	24	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22
Intangible Assets	–	–	1.74	–	–	–	2.06	–	–	–	1.11	–	–	–	1.50	–	–	–	1.92	–	–	–	1.95	–	–	–	1.66	–	–	–	1.85	–	–	–	2.29	–	–	–	2.70	–
Total Assets	4,482	4,522	4,446	4,587	4,415	4,449	4,306	4,411	4,244	4,334	4,170	4,273	4,104	4,115	3,970	4,233	3,991	4,156	4,028	4,071	3,896	3,904	3,689	3,778	3,547	3,291	3,184	3,113	3,006	2,985	2,988	2,953	2,845	2,827	2,760	2,744	2,722	2,656	2,605	2,580
Short-Term Debt	310	4.27	4.27	4.27	8.60	–	8.60	–	–	–	27	–	–	–	55	–	–	–	0	–	–	–	17	–	–	–	181	–	–	–	289	–	–	–	170	–	–	–	159	–
Current Debt	310	4.27	4.27	4.27	8.60	–	8.60	–	–	–	27	–	–	–	55	–	–	–	0	–	–	–	17	–	–	–	181	–	–	–	289	–	–	–	170	–	–	–	159	–
Operating Lease Liabilities	–	4.94	4.39	4.49	4.73	5.03	4.84	5.01	5.17	5.00	5.15	5.18	5.33	5.58	5.82	6.08	6.60	6.86	7.12	6.97	5.83	5.52	5.41	5.58	5.72	5.60	5.71	5.88	5.92	5.64	–	–	–	–	–	–	–	–	–	–
Total Liabilities	4,036	4,082	4,014	4,169	4,006	4,044	3,905	4,018	3,861	3,956	3,790	3,913	3,742	3,751	3,616	3,887	3,635	3,799	3,657	3,711	3,543	3,561	3,354	3,452	3,229	2,982	2,883	2,821	2,721	2,708	2,719	2,688	2,586	2,574	2,511	2,500	2,481	2,420	2,372	2,351
Total Debt	310	4.27	4.27	4.27	8.60	–	8.60	–	–	–	27	–	–	–	55	–	–	–	0	–	–	–	17	–	–	–	181	–	–	–	289	–	–	–	170	–	–	–	159	–
Preferred Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock	22	22	22	22	22	22	22	22	22	22	22	22	21	21	21	21	21	21	21	21	20	20	20	20	20	20	20	20	19	19	19	19	18	18	18	18	18	18	18	18
Additional Paid-In Capital	415	414	415	414	414	413	413	413	413	413	413	412	401	401	400	399	379	379	378	377	355	354	354	353	337	336	335	335	316	315	315	314	292	291	290	289	272	272	271	270
Retained Earnings	117	111	102	93	85	79	77	77	73	69	66	63	71	69	65	58	70	62	54	48	60	51	42	33	43	37	33	27	39	34	29	24	40	34	29	23	36	32	29	25
Treasury Stock	-103	-102	-103	-103	-102	-96	-93	-93	-93	-93	-87	-85	-85	-85	-84	-84	-84	-84	-82	-82	-80	-80	-81	-81	-81	-81	-80	-80	-80	-80	-79	-79	-79	-79	-79	-79	-79	-78	-77	-78
Comprehensive Income & Other	-5.39	-4.76	-4.04	-8.64	-11	-14	-18	-26	-32	-33	-33	-53	-48	-44	-50	-49	-30	-21	0.35	-3.72	-2.66	-3.10	-0.82	-0.25	-0.28	-2.41	-6.36	-8.98	-9.65	-12	-14	-13	-12	-11	-8.51	-6.14	-6.20	-6.68	-6.83	-5.44
Shareholders' Equity	446	440	432	418	409	404	401	393	383	378	380	360	361	363	354	346	356	357	371	360	353	342	334	326	318	309	302	292	285	277	270	265	259	253	250	245	241	236	233	229
Total Equity	446	440	432	418	409	404	401	393	383	378	380	360	361	363	354	346	356	357	371	360	353	342	334	326	318	309	302	292	285	277	270	265	259	253	250	245	241	236	233	229
Total Liabilities & Equity	4,482	4,522	4,446	4,587	4,415	4,449	4,306	4,411	4,244	4,334	4,170	4,273	4,104	4,115	3,970	4,233	3,991	4,156	4,028	4,071	3,896	3,904	3,689	3,778	3,547	3,291	3,184	3,113	3,006	2,985	2,988	2,953	2,845	2,827	2,760	2,744	2,722	2,656	2,605	2,580
Shares Outstanding(shares)	17	17	16	–	–	–	17	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Loans, Net	3,460	3,405	3,419	3,408	3,391	3,379	3,361	3,309	3,285	3,227	3,182	3,108	3,039	2,975	2,953	2,896	2,817	2,710	2,641	2,628	2,617	2,612	2,566	2,564	2,536	2,391	2,365	2,315	2,260	2,215	2,176	2,106	2,038	1,974	1,932	1,891	1,861	1,794	1,736	1,690
Allowance for Credit Losses	36	34	34	34	34	38	34	31	31	32	31	31	31	31	30	29	28	28	27	27	27	27	29	28	26	24	21	21	21	20	20	20	20	19	19	18	17	17	17	17
Deposits	3,655	4,014	3,939	4,100	3,929	3,968	3,828	3,837	3,684	3,779	3,688	3,666	3,502	3,546	3,498	3,795	3,546	3,715	3,550	3,606	3,438	3,454	3,235	3,265	3,069	2,811	2,616	2,615	2,504	2,490	2,346	2,408	2,305	2,411	2,245	2,307	2,220	2,257	2,117	2,213

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, FY

Gross margin: –
Operating margin: –
Net margin: –
Return on equity, FY2025: 10.6%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 11.9
Price to sales: –
Price to book: 1.36
Dividend yield: 3.09%