PortfoliosLab logoPortfoliosLab logo
ISIN
US0427441029
CUSIP
042744102
IPO Date
Sep 7, 1984

Highlights

Market Cap
$640.87M
Enterprise Value
$611.76M
EPS (TTM)
$3.11
PE Ratio
12.57
PEG Ratio
5.22
Total Revenue (TTM)
$238.17M
Gross Profit (TTM)
$124.15M
EBITDA (TTM)
$50.82M
Year Range
$25.84 - $40.29
Target Price
$30.00
ROA (TTM)
1.13%
ROE (TTM)
11.62%

Share Price Chart


Loading charts...

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Arrow Financial Corporation

Performance

AROW Performance Chart

Arrow Financial Corporation (AROW) is up 26.5% since the beginning of the year. At $39 per share, AROW is trading 3.0% below its 52-week high of $40. Investors who bought $1,000 worth of AROW shares 5 years ago would now be looking at an investment worth $1,440.


Loading charts...

S&P 500 Index

Returns By Period

Arrow Financial Corporation (AROW) has returned 26.53% so far this year and 61.56% over the past 12 months. Over the last ten years, AROW has returned 9.15% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.


Arrow Financial Corporation

1D
0.70%
1M
6.11%
YTD
26.53%
6M
26.07%
1Y
61.56%
3Y*
29.17%
5Y*
7.57%
10Y*
9.15%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

AROW Monthly Returns History

Based on dividend-adjusted daily data since Sep 7, 1984, AROW's average daily return is +0.08%, while the average monthly return is +1.24%. At this rate, an investment would double in approximately 4.7 years.

Historically, 56% of months were positive and 44% were negative. The best month was May 1994 with a return of +36.3%, while the worst month was Jun 1991 at -20.6%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 9 months.

On a daily basis, AROW closed higher 43% of trading days. The best single day was Sep 30, 2008 with a return of +29.0%, while the worst single day was Sep 29, 2008 at -18.3%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20267.68%-0.64%0.78%9.77%0.42%6.46%26.53%
2025-7.31%2.65%-2.74%-6.69%6.09%2.60%1.44%12.12%-4.81%-1.45%9.12%4.15%13.95%
2024-9.84%-3.73%4.34%-10.99%14.03%3.74%21.00%-2.31%-6.00%0.55%15.56%-12.95%7.15%
2023-2.92%-7.38%-17.53%-13.33%-15.52%12.08%-0.10%-11.16%-0.45%25.21%16.94%13.35%-10.78%
20220.43%-2.16%-5.62%-3.45%6.71%-3.98%5.47%-3.49%-7.55%20.82%1.79%-3.61%2.33%
2021-1.71%8.37%5.41%6.12%4.95%-2.42%0.28%2.22%-3.29%4.34%-3.77%2.89%24.98%

Benchmark Metrics

Arrow Financial Corporation has an annualized alpha of 12.32%, beta of 0.68, and R2 of 0.11 versus S&P 500 Index. Calculated based on daily prices since September 07, 1984.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (64.31%) than losses (38.42%) - typical of diversified or defensive assets.
  • Beta of 0.68 may look defensive, but with R2 of 0.11 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R2 of 0.11 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
12.32%
Beta
0.68
0.11
Upside Capture
64.31%
Downside Capture
38.42%

Return for Risk

Risk / Return Rank

AROW ranks 91 for risk / return — in the top 91% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


AROW Risk / Return Rank: 9191
Overall Rank
AROW Sharpe Ratio Rank: 9191
Sharpe Ratio Rank
AROW Sortino Ratio Rank: 9090
Sortino Ratio Rank
AROW Omega Ratio Rank: 8787
Omega Ratio Rank
AROW Calmar Ratio Rank: 9292
Calmar Ratio Rank
AROW Martin Ratio Rank: 9292
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Arrow Financial Corporation (AROW) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


AROWBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

+0.27

Sortino ratioReturn per unit of downside risk

+0.40

Omega ratioGain probability vs. loss probability

1.37

1.37

0.00

Calmar ratioReturn relative to maximum drawdown

4.92

2.78

+2.13

Martin ratioReturn relative to average drawdown

13.80

12.44

+1.36

Dividends

Dividend History

Arrow Financial Corporation provided a 3.02% dividend yield over the last twelve months, with an annual payout of $1.18 per share. The company has been increasing its dividends for 10 consecutive years.


2.40%2.60%2.80%3.00%3.20%3.40%3.60%3.80%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.18$1.14$1.09$1.06$1.03$0.96$0.93$0.90$0.86$0.82$0.80$0.78

Dividend yield

3.02%3.63%3.80%3.78%3.12%2.89%3.40%2.69%3.12%2.88%2.42%3.63%

Monthly Dividends

The table displays the monthly dividend distributions for Arrow Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.30$0.00$0.00$0.30$0.00$0.60
2025$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.29$0.00$0.00$0.29$0.00$1.14
2024$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.27$0.00$0.28$0.00$0.00$1.09
2023$0.00$0.00$0.26$0.00$0.00$0.26$0.00$0.26$0.00$0.00$0.27$0.00$1.06
2022$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.26$0.00$1.03
2021$0.00$0.00$0.24$0.00$0.00$0.24$0.00$0.00$0.24$0.00$0.00$0.25$0.96

Dividend Yield & Payout


Dividend Yield

Arrow Financial Corporation has a dividend yield of 3.02%, which is quite average when compared to the overall market.

Payout Ratio

Arrow Financial Corporation has a payout ratio of 36.96%, which is quite average when compared to the overall market. This suggests that Arrow Financial Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


Loading charts...

Worst Drawdowns

The table below displays the maximum drawdowns of the Arrow Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Arrow Financial Corporation was 67.11%, occurring on Dec 19, 1991. Recovery took 611 trading sessions.

The current Arrow Financial Corporation drawdown is 1.98%.


Related event

Drawdown

Fall

Recovery

Underwater

1991 bear market1991
-67.11%Dec 1991
2y 4mo2y 5mo
4y 9moAug 1989 - May 1994
2023 bear market2023
-50.54%Aug 2023
1y 9mo11mo 7d
2y 8moNov 2021 - Jul 2024
Dot-com crash2000–2002
-38.11%May 2000
2y 1mo9mo 4d
2y 10moApr 1998 - Feb 2001
COVID crash2020
-36.66%Mar 2020
2mo 27d11mo 22d
1y 2moDec 2019 - Mar 2021
Financial crisis2007–2009
-30.37%Mar 2009
5mo 9d4mo 28d
10mo 7dOct 2008 - Aug 2009

Drawdown Indicators


AROWBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-67.11%

-56.78%

-10.33%

Max Drawdown (1Y)

Largest decline over 1 year

-12.58%

-9.10%

-3.48%

Max Drawdown (3Y)

Largest decline over 3 years

-29.91%

-18.90%

-11.01%

Max Drawdown (5Y)

Largest decline over 5 years

-50.54%

-25.43%

-25.11%

Max Drawdown (10Y)

Largest decline over 10 years

-50.54%

-33.92%

-16.62%

Current Drawdown

Current decline from peak

-1.98%

-1.80%

-0.18%

Average Drawdown

Average peak-to-trough decline

-12.37%

-10.71%

-1.66%

Ulcer Index

Depth and duration of drawdowns from previous peaks

4.47%

2.03%

+2.44%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


Loading charts...

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Arrow Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Arrow Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for AROW, comparing it with other companies in the Banks - Regional industry. Currently, AROW has a P/E ratio of 12.6. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for AROW compared to other companies in the Banks - Regional industry. AROW currently has a PEG ratio of 5.2. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for AROW relative to other companies in the Banks - Regional industry. Currently, AROW has a P/S ratio of 2.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for AROW in comparison with other companies in the Banks - Regional industry. Currently, AROW has a P/B value of 1.5. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
Portfolio Analyzer

Build a portfolio with AROW

Add Arrow Financial Corporation to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.

Open Portfolio Analyzer with AROW