Arrow Financial Corp (AROW) stock
AROWNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 9/3013% above fair value
$38.62−0.06 (-0.16%)
Close on Nov 13, 2026Market cap $715.39MP/E 14.6Yield 2.95%
Arrow Financial statistics
79 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 10, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.61
- 1.52
- P/OCF Ratio
- 12.35
- 9.82
Enterprise valuationIndustry
- EV / FCF
- 10.62
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 2.16%
- 0.33%
- Shares Change (QoQ)
- 12.0%
- 0.00%
- Float
- 18M
- 17M
- Shares Held by Insiders
- 3.27%
- 6.05%
- Shares Held by Institutions
- 57.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 591,655
- –
- Short Interest Change
- -6.62%
- -4.13%
- Short % of Float
- 3.30%
- 3.58%
- Short % of Shares Outstanding
- 3.19%
- 3.18%
- Days to Cover
- 8.68
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $42.70
- –
- 52-Week Low
- $28.92
- –
- 20-Day Moving Average
- $38.42
- –
- 50-Day Moving Average
- $37.95
- –
- 200-Day Moving Average
- $37.24
- –
- Average True Range (14)
- $0.95
- –
- Price Change (1 Week)
- 0.39%
- 0.69%
- Price Change (1 Month)
- 4.95%
- 3.79%
- Price Change (3 Months)
- -0.62%
- -2.72%
- Price Change (6 Months)
- 9.75%
- 12.2%
- Price Change (YTD)
- 23.0%
- 19.9%
- Price Change (1 Year)
- 26.2%
- 25.7%
- Price Change (3 Years)
- 53.1%
- 65.1%
- Price Change (5 Years)
- 9.47%
- 26.9%
- Price Change (10 Years)
- 18.8%
- 66.8%
- Average Volume (10 Days)
- 75,477
- –
- Average Volume (20 Days)
- 72,583
- –
- Average Volume (90 Days)
- 82,587
- –
- Relative Volume
- 0.70
- 0.68
- Relative Strength Index (14)
- 53.2
- 53.1
- Volatility (1 Year)
- 24.0%
- 24.4%
- Beta (5 Years)
- 0.58
- 0.63
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.47%
- 10.7%
- Return on Assets (ROA)
- 0.87%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.36
- 0.21
- Debt / FCF
- 3.77
- 1.48
GrowthIndustry
- Net Income Growth (YoY)
- 28.3%
- 22.6%
- EPS Growth (YoY)
- 27.5%
- 21.6%
- FCF Growth (YoY)
- 38.5%
- 27.2%
- EPS Growth (3Y CAGR)
- -2.51%
- 1.31%
- EPS Growth (5Y CAGR)
- 1.25%
- 8.24%
EfficiencyIndustry
- Profits Per Employee
- $76.40K
- $110.51K
- Employee Count
- 578
- 492
- WACC
- 8.80%
- 8.13%
Income statement (TTM)Industry
Balance sheetIndustry
- Net Cash (Debt)
- $193.58M
- $165.09M
- Net Cash Per Share
- $10.45
- $8.07
- Equity (Book Value)
- $515.09M
- $570.13M
- Book Value Per Share
- $27.81
- $28.12
- Tangible Book Value
- $445.28M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$8.83M
- -$4.24M
- FCF Per Share
- $2.65
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 6.17%
- 8.29%
- FCF Yield
- 6.87%
- 9.18%
- Dividend Yield
- 2.95%
- 2.44%
- Buyback Yield
- 0.23%
- 1.82%
- Shareholder Yield
- 3.19%
- 3.26%
- Dividend Per Share
- $1.14
- $0.92
- Dividend Growth (YoY)
- 4.59%
- 4.26%
- Years of Dividend Growth
- 4
- 2
Taxes and interestIndustry
- Interest Expense
- $74.16M
- $24.37M
- Income Tax
- $10.70M
- $16.14M
Scores and fair valueIndustry
- Graham Number
- $40.64
- $45.07
- Graham Upside
- 5.23%
- 18.8%
- Altman Z-Score
- 0.11
- 0.22
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | AROW | S&P 500 | Difference | AROW per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.4% | -3.0% | +9.4 pts | ||
| 3 months | -0.3% | -2.8% | +2.4 pts | ||
| Year to date | +27.0% | +11.5% | +15.5 pts | ||
| 1 year | +28.3% | +13.5% | +14.8 pts | ||
| 3 years | +86.3% | +77.7% | +8.6 pts | +23.1% | +21.1% |
| 5 years | +38.7% | +72.6% | −33.9 pts | +6.8% | +11.5% |
| 10 years | +97.3% | +308.2% | −210.9 pts | +7.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M AROW shares were sold short on Oct 30, 2026, down 6.6% from the previous report, or 3.30% of the shares available to trade. At recent volumes it would take 8.7 days to buy them back. Over the last 20 sessions, 54.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 591,655 | -6.6% | 68,138 | 8.7 |
| Oct 15, 2026 | 633,615 | -4.5% | 65,329 | 9.7 |
| Sep 30, 2026 | 663,797 | +7.7% | 96,656 | 6.9 |
| Sep 15, 2026 | 616,293 | +13.1% | 77,457 | 8.0 |
| Aug 31, 2026 | 544,771 | +25.8% | 94,776 | 5.8 |
| Aug 14, 2026 | 432,914 | -0.4% | 89,262 | 4.8 |
| Jul 31, 2026 | 434,674 | +2.2% | 93,156 | 4.7 |
| Jul 15, 2026 | 425,212 | +0.4% | 76,865 | 5.5 |
| Jun 30, 2026 | 423,362 | +54.1% | 158,232 | 2.7 |
| Jun 15, 2026 | 274,819 | -0.1% | 65,753 | 4.2 |
| May 29, 2026 | 275,010 | +25.8% | 75,798 | 3.6 |
| May 15, 2026 | 218,538 | +7.3% | 67,863 | 3.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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