AROWNASDAQ

Arrow Financial Corporation

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Past events

Aug 11

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Nov 11

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KPI highlights

FY25

Revenue —

Operating income —

Net income $44M YoY +47.9%

EPS $2.65 YoY +49.7%

P/E —

ROE 10.2% Equity ratio 10% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company news

Jun 1, 2026 Arrow Financial Corporation and Adirondack Bancorp, Inc. Receive OCC Approval for Merger Apr 30, 2026 Arrow Reports 1st Quarter Net Income of $13.5 Million, or $0.82 per Share, and Declares 2nd Quarter Dividend of $0.30 per Share

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2013–2026）

機関投資家その他未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

Top shareholders — actual figures (as of 2026)

Holder	Shares held	Ratio	Source
Arrow Financial Corp	1,878,839	11.2%	13F
GEODE CAPITAL MANAGEMENT, LLC	370,791	2.2%	13F
Bank of New York Mellon Corp	84,812	0.5%	13F
LOS ANGELES CAPITAL MANAGEMENT LLC	41,078	0.2%	13F
AMERIPRISE FINANCIAL INC	14,951	0.1%	13F
LSV ASSET MANAGEMENT	10,600	0.1%	13F
Janney Montgomery Scott LLC	10,353	0.1%	13F
Washington Trust Advisors, Inc.	10,310	0.1%	13F
Hillsdale Investment Management Inc.	9,960	0.1%	13F
MetLife Investment Management, LLC	9,861	0.1%	13F
NEW YORK STATE COMMON RETIREMENT FUND	6,651	0.0%	13F
Police & Firemen's Retirement System of New Jersey	4,600	0.0%	13F
BNP PARIBAS FINANCIAL MARKETS	4,236	0.0%	13F
ADIRONDACK TRUST CO	2,456	0.0%	13F
Russell Investments Group, Ltd.	1,265	0.0%	13F
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	881	0.0%	13F
Sterling Capital Management LLC	517	0.0%	13F
PNC FINANCIAL SERVICES GROUP, INC.	183	0.0%	13F
BROWN BROTHERS HARRIMAN & CO	166	0.0%	13F
JONES FINANCIAL COMPANIES LLLP	160	0.0%	13F
SBI Securities Co., Ltd.	67	0.0%	13F
MassMutual Private Wealth & Trust, FSB	17	0.0%	13F
NISA INVESTMENT ADVISORS, LLC	15	0.0%	13F
Covestor Ltd	2	0.0%	13F
HUNTINGTON NATIONAL BANK	1	0.0%	13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY25

Equity ratio 9.7%

Current ratio —

Years of positive operating CF 12 of last 12 yrs

Payout ratio —

Latest fiscal year result Profit (net income $44M)

Performance history

Last 10 years

Income & assets

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	—	—	—	—	—	—	—	—	—	—
Operating income	—	—	—	—	—	—	—	—	—	—
Ordinary income	—	—	—	—	—	—	—	—	—	—
Net income	26.5	29.3	36.3	37.5	40.8	49.9	48.8	30.1	29.7	44.0
Total assets	2,605	2,760	2,988	3,184	3,689	4,028	3,970	4,170	4,306	4,446
Equity	233	250	270	302	334	371	354	380	401	432

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

*Split-adjustedUnit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
EPS	$1.76	$1.93	$2.38	$2.44	$2.56	$3.02	$2.95	$1.77	$1.77	$2.65
ROE	11.4%	11.7%	13.5%	12.4%	12.2%	13.4%	13.8%	7.9%	7.4%	10.2%
Operating CF	34.7	37.8	42.0	43.9	42.3	68.2	59.7	20.6	34.5	41.3
Investing CF	-158	-149	-228	-192	-187	-275	-393	-82.7	-89.0	-61.5
Financing CF	129	126	197	134	456	283	-59.7	140	66.5	79.8
FCF	—	—	—	—	—	—	—	—	—	—

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

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Data provided by Twelve Data

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Company info

Arrow Financial Corporation is a bank holding company headquartered in Glens Falls, New York, that provides comprehensive banking and financial services through its subsidiaries, Glens Falls National and Saratoga National. The company offers a full spectrum of deposit products, including demand deposits, interest-bearing checking accounts, savings deposits, and time deposits. Its lending operations encompass commercial loans such as term loans and lines of credit, commercial real estate financing, residential mortgage lending, and consumer installment and home equity financing. Arrow Financial serves small and mid-sized businesses as well as individual consumers and commercial property owners. Beyond traditional banking, the company provides insurance products and investment services, along with digital banking solutions through online and mobile platforms. As a regional bank holding company, Arrow Financial generates its primary revenue through interest income and fees earned across its diverse financial product offerings, serving as a key financial services provider in its market.

Ticker AROW

Industry Banks - Regional

Sector Financials

Total assets $4.45B

Equity $432M

Shares outstanding 16,445,342

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