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ARROW FINANCIAL CORPORATION (AROW)

NASDAQ Small Cap

Financial Services › National Commercial Banks

$33.32
Market Cap: $550M
Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Apr 4, 2026

Investment Snapshot

  • Trading 11% below Graham Number — thin margin of safety
  • Piotroski F-Score 6/9 — moderate financial health
  • ROE of 9.0% — below-average profitability
  • High dividend yield of 5.8%

ARROW FINANCIAL CORPORATION (AROW) is a Financial Services company operating in National Commercial Banks, listed on the NASDAQ , with a market capitalisation of $550 million . Key value metrics: P/E ratio 14.1, P/B ratio 1.27, Piotroski F-Score 6 out of 9 (moderate financial health) .

Value Score

Key Metrics

P/E Ratio
14.14
1.27
EPS
$2.36
Div. Yield
5.8%
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

ARROW FINANCIAL CORPORATION — Fundamental Analysis Summary

ARROW FINANCIAL CORPORATION (AROW) is trading 11% below its Graham Number of $37.24, offering a thin margin of safety. The stock carries a reasonable trailing P/E ratio of 14.1x.

On financial health, AROW shows a moderate Piotroski F-Score of 6/9, and modest return on equity of 9.0% (sector average: 5.8%), and minimal leverage with a debt-to-equity ratio of 0.02.

StockPik's composite Value Score for AROW is 97/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

AROW shows earnings growing at 48%.

AROW pays a high dividend yield of 5.8%.

Top Value Stocks in Financial Services

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ACGLN $16.52 1.4 100
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How is the Value Score calculated?
Read our full methodology →
What is the margin of safety?
How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →
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