ARROW FINANCIAL CORP AROW
Nasdaq · XNAS · stock · National Commercial Banks
Chart by TradingView
5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $44.0M | — | $36.2M | $431.9M |
| 2024 | — | $29.7M | — | $28.9M | $400.9M |
| 2023 | — | $30.1M | — | $13.5M | $379.8M |
| 2022 | — | $48.8M | — | $45.5M | $353.5M |
| 2021 | — | $49.9M | — | $61.1M | $371.2M |
| 2020 | — | $40.8M | — | $37.2M | $334.4M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| O'Conor Raymond F | director | 2026-06-24 | Option exercise | 1,126 | $31.34 |
| O'Conor Raymond F | director | 2026-06-24 | Tax withheld | 874 | $40.36 |
| Behan Mark | director | 2026-06-18 | Option exercise | 1,061 | $33.78 |
| Behan Mark | director | 2026-06-18 | Tax withheld | 923 | $38.80 |
| Behan Mark | director | 2026-06-17 | Sell | 4,110 | $38.59 |
| Behan Mark | director | 2026-06-17 | J | 203 | $38.49 |
| CHAMPION GREGORY J | director | 2026-06-17 | J | 406 | $38.49 |
| Dawsey James M | director | 2026-06-17 | J | 373 | $38.49 |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000717538 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.