Stock Fundamentals

Company Information

Company Name
Arrow Financial Corporation
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US0427441029
CIK: 0000717538
CUSIP: 042744102
Currency: USD
Full Time Employees: 600
Phone: 518 745 1000
Fiscal Year End: December
IPO Date: Sep 07, 1984
Description:

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the Unites States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.

Address:

250 Glen Street, Glens Falls, NY, United States, 12801

Directors & Officers

Name Title Year Born
Mr. David S. DeMarco CEO, President & Director 1962
Mr. Penko Krassimir Ivanov CPA, M.B.A. Senior EVP, CFO, Chief Accounting Officer & Treasurer 1969
Mr. Marc j. Yrsha Senior EVP & Chief Banking Officer 1979
Mr. Andrew J. Wise Senior EVP, Chief Risk Officer & Company Secretary 1967
Mr. Michael Jacobs Executive VP & Chief Information Officer 1971
Ms. Brooke M. Pancoe Senior EVP & Chief Human Resources Officer 1986
Annette Reitano Senior VP and Director of Marketing & Communications of Glen Falls NA
Ms. Laura Steele Controller NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
ARROW FINANCIAL CORP(Junk) 1.86M Sep 30, 2025 11.25% $5.37 -1.64%
BlackRock Inc 1.27M Sep 30, 2025 7.68% $0.00 -3.14%
Vanguard Group Inc 876.81K Dec 31, 2025 5.31% $0.00 -1.40%
Dimensional Fund Advisors, Inc. 728.53K Dec 31, 2025 4.41% $0.00 -1.61%
State Street Corp 376.92K Sep 30, 2025 2.28% $0.00 1.01%
Geode Capital Management, LLC 371.18K Sep 30, 2025 2.25% $0.00 -0.35%
American Century Companies Inc 322.96K Dec 31, 2025 1.96% $0.01 -0.32%
Renaissance Technologies Corp 252.21K Dec 31, 2025 1.53% $0.01 1.17%
Rhino Investment Partners, Inc. 227.80K Sep 30, 2025 1.38% $2.03 13.93%
Morgan Stanley - Brokerage Accounts 199.40K Sep 30, 2025 1.21% $0.00 -5.94%
Northern Trust Corp 135.51K Sep 30, 2025 0.82% $0.00 -0.82%
Charles Schwab Investment Management Inc 127.53K Dec 31, 2025 0.77% $0.00 -1.58%
Rockefeller Capital Management L.P. 119.33K Sep 30, 2025 0.72% $0.01 -49.79%
Hotchkis & Wiley Capital Management LLC 116.89K Dec 31, 2025 0.71% $0.01 3.73%
ING Investment Management LLC 101.91K Dec 31, 2025 0.62% $0.00 -16.59%
Bank of New York Mellon Corp 88.66K Sep 30, 2025 0.54% $0.00 1.31%
Two Sigma Investments LLC 80.37K Dec 31, 2025 0.49% $0.00 30.72%
Connor Clark & Lunn Inv Mgmt Ltd 74.33K Dec 31, 2025 0.45% $0.01 -4.37%
The Goldman Sachs Group Inc 72.73K Sep 30, 2025 0.44% $0.00 81.70%
Segall Bryant & Hamill 69.26K Dec 31, 2025 0.42% $0.03 0.00%

Shares Statistics

Shares Outstanding: 16.45M
Shares Float: 14.01M
% Insiders: 298.40%
% Institutions: 5,846.70%
Short % Float: 0.64%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 ARROW FINANCIAL CORP(Junk) 1.86M 11.25% ▼ 1.64% Sep 30, 2025
2 BlackRock Inc 1.27M 7.68% ▼ 3.14% Sep 30, 2025
3 Vanguard Group Inc 876.81K 5.31% ▼ 1.40% Dec 31, 2025
4 Dimensional Fund Advisors, Inc. 728.53K 4.41% ▼ 1.61% Dec 31, 2025
5 State Street Corp 376.92K 2.28% ▲ 1.01% Sep 30, 2025
6 Geode Capital Management, LLC 371.18K 2.25% ▼ 0.35% Sep 30, 2025
7 American Century Companies Inc 322.96K 1.96% ▼ 0.32% Dec 31, 2025
8 Renaissance Technologies Corp 252.21K 1.53% ▲ 1.17% Dec 31, 2025
9 Rhino Investment Partners, Inc. 227.80K 1.38% ▲ 13.93% Sep 30, 2025
10 Morgan Stanley - Brokerage Accounts 199.40K 1.21% ▼ 5.94% Sep 30, 2025

Valuation Metrics

Enterprise Value: $362.81M
Trailing P/E: 12.57
Forward P/E: 0.00

Financial Highlights

Market Cap: $547.79M
P/E Ratio: $12.57
PEG Ratio: $2.41
Book Value: $26.26
Dividend/Share: $1.14
Dividend Yield: 3.32%
Earnings/Share: $2.65
Profit Margin: 27.76%
Operating Margin: 40.70%
ROA (TTM): 1.00%
ROE (TTM): 10.56%
Revenue (TTM): $158.32M
Revenue/Share (TTM): $9.59
Earnings Growth (YOY): 217.90%
Revenue Growth (YOY): 37.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.04x 0.00x 0.90x 0.72x 0.00x
2024-12-31 0.16x 0.07x 0.91x 0.45x 0.67x
2023-12-31 0.17x 0.12x 0.91x 0.65x 1.05x
2022-12-31 23.64x 0.21x 0.91x 6.56x 1.01x
2021-12-31 0.29x 0.18x 0.91x 12.40x 0.91x
2020-12-31 0.23x 0.11x 0.91x 4.09x 0.64x
2019-12-31 0.15x 0.67x 0.91x 2.17x 3.82x
2018-12-31 0.15x 1.14x 0.91x 3.63x 6.17x
2017-12-31 0.15x 0.76x 0.91x 5.69x 4.20x
2016-12-31 0.18x 0.77x 0.91x 7.05x 4.09x
2015-12-31 0.21x 0.58x 0.91x 7.33x 3.01x
2014-12-31 0.21x 0.40x 0.91x 5.81x 1.98x
2013-12-31 0.26x 0.50x 0.91x 3.90x 2.43x
2012-12-31 0.30x 0.35x 0.91x 2.66x 1.52x
2011-12-31 0.35x 0.53x 0.92x 1.69x 2.31x
2010-12-31 0.02x 0.94x 0.92x 1.34x 4.07x
2009-12-31 0.05x 1.52x 0.92x 1.19x 6.22x
2008-12-31 0.05x 1.75x 0.92x 0.91x 6.87x
2007-12-31 0.03x 1.91x 0.92x 0.60x 8.65x
2006-12-31 0.03x 2.04x 0.92x 0.69x 8.91x
2005-12-31 0.03x 1.60x 0.92x 1.11x 6.36x
2004-12-31 0.03x 1.18x 0.91x 1.48x 4.40x
2003-12-31 0.03x 1.95x 0.92x 1.27x 6.35x
2002-12-31 0.03x 3.39x 0.92x 1.10x 11.15x
2001-12-31 0.03x 2.98x 0.92x 0.69x 10.64x
2000-12-31 0.03x 2.39x 0.93x 0.52x 8.81x
1999-12-31 0.03x 1.67x 0.93x 0.63x 5.87x
1998-12-31 0.04x 0.31x 0.92x 0.62x 1.28x
1997-12-31 0.06x 0.33x 0.91x 0.68x 1.40x
1996-12-31 0.07x 0.31x 0.89x 1.42x 0.70x
1995-12-31 0.08x 0.23x 0.91x 0.78x 0.73x
1994-12-31 0.05x 0.43x 0.92x 0.68x 1.71x
1993-12-31 0.04x 0.25x 0.93x 0.44x 1.02x
1992-12-31 0.09x 0.38x 0.95x 0.15x 1.97x
1991-12-31 0.07x 0.72x 0.95x -0.88x -0.71x
1990-12-31 N/A N/A N/A N/A 0.00x
1989-12-31 N/A N/A N/A N/A 0.00x
1988-12-31 N/A N/A N/A N/A 0.00x
1987-12-31 N/A N/A N/A N/A 0.00x
1986-12-31 N/A N/A N/A N/A 0.00x
1985-12-31 N/A N/A N/A N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 24, 2025 David S Demarco N/A Purchase 3.04K $31.78 $96.45K
Nov 10, 2025 Daniel James White N/A Purchase 1.64K $30.14 $49.55K
Nov 04, 2025 Penko Krassimir Ivanov N/A Purchase 1.62K $29.82 $48.31K
Sep 10, 2025 Penko Krassimir Ivanov N/A Purchase 5.00K $29.10 $145.50K
Aug 27, 2025 Penko Krassimir Ivanov N/A Purchase 10.92K $29.46 $321.76K
Aug 26, 2025 Penko Krassimir Ivanov N/A Purchase 1.08K $29.46 $31.76K
Aug 06, 2025 Penko Krassimir Ivanov N/A Purchase 1.43K $26.50 $37.76K
May 01, 2025 Raymond F O'conor N/A Sale 2.00K $23.78 $47.56K
Apr 01, 2025 Raymond F O'conor N/A Sale 2.00K $25.94 $51.88K
Mar 03, 2025 Raymond F O'conor N/A Sale 2.00K $26.90 $53.80K

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