AROW · Arrow Financial Corp
$38.33
+0.15 (+0.39%)
At close · Aug 20
Market Cap
$710.01M
Shares
18.52M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$38.33
Open$37.98
Day$36.95–38.43
52W close$26.05–42.50
Avg vol 30d87K
Short int435K · 2.3% float · 4.7d
Short vol62%
DataSep 2022–Aug 2026
Filing10-Q · Aug 6
Raw chart and full-history price indicators begin at the captured split on Sep 16, 2022; bars on opposite sides are not compared.
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
−4%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
75%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+15%
trailing
YTD return
+22%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $40 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +25 funds added
Insider flow
Distributing
Net -$158.6K over 90 days · 100% sells
Short interest
Rising
2.35% of float · ▲ +2.2% MoM · 4.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
146 holders — near 3-yr high, broad support
Squeeze score
49
elevated · 0–100
Fundamentals
EPS growth
+50%
Y/Y
Free cash flow
$36.2M
Valuation
P/E 12.4
below peers
Buyback
$5.1M
remaining
Balance sheet
$75.7M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
75%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $40 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +25 funds added
Insider flow
Distributing
Net -$158.6K over 90 days · 100% sells
Short interest
Rising
2.35% of float · ▲ +2.2% MoM · 4.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
146 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $38 · 75%
Range high $43
vs 200-day avg +9%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 2Q26 Efficiency Ratio excluding MRE non-GAAP | 59.8% | 2Q26 | — |
| Allowance for Credit Loss | 1.03% | YTD June 2026 | — |
| Allowance for credit losses as percentage of loans outstanding | 1.03% | Q2 2026 | — |
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| Allowance for Credit Losses to Period-End Loans | 1.03% | 6/30/2026 | — |
| Allowance for Credit Losses, End of Quarter | $36.18M | 6/30/2026 | — |
| Allowance to NPL coverage | 436% | 2Q26 | — |
| Average Loan Yield | 5.46% | 2Q26 | — |
| Book Value per Share | $26.98 | Q2 2026 | — |
| Common Equity Tier 1 Capital | $429.97M | Q2 2026 | — |
| Core Earnings Per Share (Non-GAAP) non-GAAP | $0.71 | Q2 2026 | — |
| Core Efficiency Ratio (Non-GAAP) non-GAAP | 59.83% | Q2 2026 | — |
| Core Net Income (Non-GAAP) non-GAAP | $11.72M | Q2 2026 | — |
| Core Net Non-Interest Expense (Non-GAAP) non-GAAP | $26.42M | 6/30/2026 | — |
| Core Return on Average Assets (Non-GAAP) non-GAAP | 1.06% | Q2 2026 | — |
| Cost of Deposits | 1.74% | 2Q26 | — |
| Cost of retail deposits | 1.61% | Q2 2026 | — |
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| Efficiency Ratio non-GAAP | 60.95% | Six months ended June 30, 2026 | — |
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| Efficiency ratio excluding MRE non-GAAP | 59.83% | Q2 2026 | — |
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| FTE Net Interest Margin non-GAAP | 3.43% | 2Q26 | — |
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| FTE NIM non-GAAP | 3.43% | 2Q26 | — |
| Net Interest Margin, annualized | 3.42% | Q2 2026 | — |
| Net Interest Margin, Tax-Equivalent, annualized non-GAAP | 3.43% | Q2 2026 | — |
| Net Interest Spread | 2.91% | 6/30/2026 | — |
| Non-Performing Loans | 8.3M | 2Q26 | — |
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| Non-Performing Loans (NPL) / Gross Loans | 0.24% | 2Q26 | — |
| Nonperforming Assets to Period-End Assets | 0.19% | 6/30/2026 | — |
| Nonperforming Loans to Period-End Loans | 0.24% | 6/30/2026 | — |
| Return on Average Assets | 0.99% | 2Q26 | — |
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| Return on Average Assets adjusted for MRE non-GAAP | 1.06% | Q2 2026 | — |
| Return on Average Assets, annualized | 0.99% | Q2 2026 | — |
| Return on Average Equity | 9.86% | 2Q26 | — |
| Return on Average Equity, annualized | 9.86% | Q2 2026 | — |
| Tangible Book Value per Share non-GAAP | $25.44 | 2Q26 | — |
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| Tangible Book Value per Share (Non-GAAP) non-GAAP | $25.44 | Q2 2026 | — |
| Tangible Book Value per share excl. MRE non-GAAP | $25.49 | 2Q26 | — |
| Tangible Common Equity non-GAAP | 9.44% | 2Q26 | — |
| Tangible Equity (Non-GAAP) non-GAAP | $420.91M | Q2 2026 | — |
| Tier 1 Leverage Ratio | 10.19% | Q2 2026 | — |
| Tier 1 Risk-Based Capital Ratio | 13.83% | Q2 2026 | — |
| Total branches | 57 | As of July 1, 2026 | — |
| Total Loans | $3.5B | 6/30/2026 | — |
| Total Nonperforming Assets | $8.66M | 6/30/2026 | — |
| Total Nonperforming Loans | $8.3M | 6/30/2026 | — |
| Total Risk Weighted Assets | $3.25B | Q2 2026 | — |
| Total Risk-Based Capital Ratio | 14.98% | Q2 2026 | — |
| Wealth management AUM | 2.2B | 2Q26 | — |
| Wholesale Funding Ratio | 6.92% | YTD June 2026 | — |
| YTD FTE NIM non-GAAP | 3.46% | YTD June 2026 | — |
| YTD ROAA | 1.11% | YTD June 2026 | — |
| YTD ROAA excl. MRE non-GAAP | 1.17% | YTD June 2026 | — |
| YTD ROAE | 11.14% | YTD June 2026 | — |
| YTD ROAE excl. MRE non-GAAP | 11.79% | YTD June 2026 | — |
| Annualized charge-offs | 10 | first quarter of 2026 | — |
| Loan-to-Deposit ratio | 85.7% | first quarter of 2026 | — |
| Net Interest Margin | 3.47% | first quarter of 2026 | — |
| Net Interest Margin - FTE non-GAAP | 3.48% | first quarter of 2026 | — |
| Net Charge-Offs | 0.19% | FY2025 | — |
| Return on Average Tangible Equity, annualized | 13.92% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AROW
this stock
Arrow Financial Corp
|
$710.01M | +22.1% | — | 12.4 | 2.3% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Performance
Raw-price comparisons begin at the captured split on Sep 16, 2022; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AROW | -1.8% | -2.1% | +15.1% | -3.8% | +22.1% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +0.1% | -5.4% | +3.9% | -5.9% | +10.2% |
Capital returns
Latest dividend
$0.30
/ share · ex Aug 11, 2026
Paid (TTM)
$1.19
/ share · 4 payouts
Dividend yield (TTM, derived)
3.10%
Buyback program
· as of Jun 30, 2026
Authorized
—
Spent (derived)
—
Remaining
$5.07M
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
717538
CUSIP
042744102
13F (30d)
146 filings
137 filers
Visit website
Investor relations