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ARROW FINANCIAL CORP AROW
ARROW FINANCIAL CORP (AROW) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.57% (safety: no dividend).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- 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
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AROW | ARROW FINANCIAL CORP | 5/9 | — | 15.4 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About ARROW FINANCIAL CORP
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United 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. The company was founded in 1851 and is headquartered in Glens Falls, New York.
FAQ
Is AROW financially healthy?
ARROW FINANCIAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does AROW pay a dividend, and is it safe?
Yes. ARROW FINANCIAL CORP pays a dividend yielding about 2.57% with a None payout ratio, rated “no dividend” for safety.
How profitable is AROW?
In FY2025, ARROW FINANCIAL CORP had a return on equity of 10.2%.
Is AROW overvalued or undervalued?
ARROW FINANCIAL CORP trades at about 14.8× trailing earnings — near its 10-year norm (10-year range 11.5×–16.9×, median 14.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for AROW?
The average Wall-Street price target for ARROW FINANCIAL CORP is $41.00, about 4.8% above the recent price, from 3 analysts (consensus: hold).
Is AROW a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ARROW FINANCIAL CORP: a Piotroski F-score of 5/9, a P/E of about 15.4×, a dividend yield of 2.57%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.