Arrow Financial Corporation (AROW)
Company Info
Highlights
$438.06M
$1.70
15.21
2.41
$226.74M
$135.11M
$40.98M
$22.48 - $33.91
$27.75
0.83%
2.57
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Arrow Financial Corporation (AROW) returned -7.68% year-to-date (YTD) and 6.92% over the past 12 months. Over the past 10 years, AROW returned 4.41% annually, underperforming the S&P 500 benchmark at 10.84%.
AROW
-7.68%
4.42%
-19.68%
6.92%
-3.70%
1.49%
4.41%
^GSPC (Benchmark)
0.52%
6.32%
-1.44%
12.25%
12.45%
14.20%
10.84%
Monthly Returns
The table below presents the monthly returns of AROW, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -7.31% | 2.65% | -2.74% | -6.69% | 6.93% | -7.68% | |||||||
| 2024 | -9.84% | -3.73% | 4.34% | -10.99% | 14.03% | 3.74% | 21.00% | -2.31% | -6.00% | 0.56% | 15.56% | -12.95% | 7.16% |
| 2023 | -2.92% | -7.38% | -17.56% | -13.33% | -15.52% | 12.03% | -0.10% | -11.20% | -3.35% | 25.21% | 16.94% | 13.35% | -13.47% |
| 2022 | 0.43% | -2.20% | -5.62% | -3.45% | 6.67% | -3.98% | 5.47% | -3.53% | -10.25% | 20.82% | 1.77% | -3.61% | -0.81% |
| 2021 | -1.71% | 8.37% | 5.34% | 6.12% | 4.95% | -2.47% | 0.28% | 2.22% | -6.16% | 4.34% | -3.77% | 2.85% | 21.06% |
| 2020 | -7.25% | -9.67% | -11.35% | 2.26% | 2.63% | 2.46% | -8.17% | 4.94% | -11.71% | 9.09% | 8.73% | 1.31% | -18.34% |
| 2019 | -0.53% | 11.92% | -7.14% | 2.31% | -4.40% | 8.72% | -4.23% | -3.31% | 4.56% | 5.18% | 2.11% | 6.09% | 21.27% |
| 2018 | -3.39% | -1.04% | 5.27% | 4.27% | 6.25% | -2.67% | 6.32% | 2.27% | -3.15% | -5.03% | -0.42% | -7.91% | -0.46% |
| 2017 | -12.84% | -0.53% | -2.87% | 1.03% | -6.97% | 0.00% | 3.00% | -0.25% | 9.54% | 2.77% | 4.84% | -7.74% | -11.46% |
| 2016 | 1.29% | -4.91% | 2.37% | 5.98% | 3.20% | 5.01% | 4.29% | 3.31% | 4.30% | -3.75% | 20.44% | 7.00% | 57.87% |
| 2015 | -6.98% | 5.26% | 1.68% | -4.01% | 0.77% | 3.78% | 1.89% | -0.04% | -0.29% | 3.37% | 3.15% | -3.84% | 4.06% |
| 2014 | -6.14% | 5.61% | 1.26% | -5.33% | 4.25% | 0.23% | -2.08% | 5.66% | -3.94% | 9.25% | -5.55% | 7.16% | 9.12% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of AROW is 59, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Arrow Financial Corporation (AROW) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Arrow Financial Corporation provided a 4.28% dividend yield over the last twelve months, with an annual payout of $1.11 per share. The company has been increasing its dividends for 31 consecutive years, earning it the status of a dividend aristocrat.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.11 | $1.09 | $1.06 | $1.03 | $0.96 | $0.93 | $0.90 | $0.86 | $0.80 | $0.79 | $0.78 | $0.76 |
Dividend yield | 4.28% | 3.80% | 3.78% | 3.03% | 2.72% | 3.11% | 2.39% | 2.69% | 2.43% | 2.07% | 3.13% | 3.09% |
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.56 | |||||||
| 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 |
| 2020 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.24 | $0.93 |
| 2019 | $0.00 | $0.22 | $0.00 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.23 | $0.90 |
| 2018 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.86 |
| 2017 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.21 | $0.00 | $0.80 |
| 2016 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.79 |
| 2015 | $0.00 | $0.19 | $0.00 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.20 | $0.78 |
| 2014 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.00 | $0.19 | $0.76 |
Dividend Yield & Payout
Dividend Yield
Arrow Financial Corporation has a dividend yield of 4.28%, which is quite average when compared to the overall market.
Payout Ratio
Arrow Financial Corporation has a payout ratio of 65.41%, 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.
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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 92.57%, occurring on Dec 19, 1991. Recovery took 2365 trading sessions.
The current Arrow Financial Corporation drawdown is 22.50%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -92.57% | May 6, 1986 | 1053 | Dec 19, 1991 | 2365 | Aug 14, 2001 | 3418 |
| -52.12% | Nov 8, 2021 | 477 | Oct 3, 2023 | 276 | Nov 6, 2024 | 753 |
| -36.72% | Dec 27, 2019 | 59 | Mar 23, 2020 | 283 | May 6, 2021 | 342 |
| -31.85% | Dec 3, 2004 | 899 | Jun 30, 2008 | 50 | Sep 10, 2008 | 949 |
| -30.55% | Oct 1, 2008 | 109 | Mar 9, 2009 | 103 | Aug 4, 2009 | 212 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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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.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Arrow Financial Corporation, comparing actual results with analytics estimates. In the past quarter, the company did not meet analyst expectations for EPS, resulting in a surprise of -10.6%.
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 15.2. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
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 2.4. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
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 3.2. 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 1.1. 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
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