AROW

Arrow Financial Corp

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Advanced Chart

26.440

-0.310(-1.160%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

26.730

Open

26.690

VWAP

26.60

Vol

46.15K

Mkt Cap

440.90M

Low

26.430

Amount

1.23M

EV/EBITDA(TTM)

10.90

Total Shares

16.70M

446.68M

EV/OCF(TTM)

2.41

P/S(TTM)

3.13

Arrow Financial Corporation is a bank holding company. The Company's banking subsidiaries include Glens Falls National Bank and Trust Company (GFNB) and Saratoga National Bank and Trust Company (SNB). The two banks provide a full range of services for individuals and small to mid-size businesses in northeastern New York State from Albany, the state's capitol, to the Canadian border. It is engaged in a range of lending activities, including commercial and industrial lending primarily to small and mid-sized companies; mortgage lending for residential and commercial properties, and consumer installment and home equity financing. It also provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations. GFNB's subsidiary, Upstate Agency LLC, offers insurance services, including property and casualty insurance, group health insurance and individual life insurance products.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q1

39.26M

+14.48%

0.700

+32.08%

0.425

-5.56%

Estimates Revision

The market is revising Upward the revenue expectations for Arrow Financial Corporation (AROW) for FY2025, with the revenue forecasts being adjusted by 0.19% over the past three months. During the same period, the stock price has changed by -2.44%.

Revenue Estimates for FY2025

Revise Upward

+0.19%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-6.17%

In Past 3 Month

Stock Price

Go Down

-2.44%

In Past 3 Month

1 Analyst Rating

5.90% Upside

Wall Street analysts forecast AROW stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AROW is 28.00 USD with a low forecast of 28.00 USD and a high forecast of 28.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

5.90% Upside

Current: 26.440

Low

28.00

Averages

28.00

High

28.00

5.90% Upside

Current: 26.440

Low

28.00

Averages

28.00

High

28.00

Piper Sandler

Frank Schiraldi

Hold

Maintains

$30 → $28

2025-05-05

Reason

Piper Sandler

Frank Schiraldi

Price Target

$30 → $28

2025-05-05

Maintains

Hold

Reason

Piper Sandler lowered the firm's price target on Arrow Financial to $28 from $30 and keeps a Neutral rating on the shares. Excluding both a $300k gain on securities and $600k nonrecurring costs associated with unifying the bank's subsidiaries, the firm pegs core EPS at 39c, a penny above reported. Arrow missed Piper's expectations in the quarter by modest misses on both expense and fees.

Piper Sandler

Frank Schiraldi

Hold

Maintains

$32 → $30

2025-02-04

Reason

Piper Sandler

Frank Schiraldi

Price Target

$32 → $30

2025-02-04

Maintains

Hold

Reason

Piper Sandler

Frank Schiraldi

Hold

Initiates

$32

2024-12-20

Reason

Piper Sandler

Frank Schiraldi

Price Target

$32

2024-12-20

Initiates

Hold

Reason

Piper Sandler analyst Frank Schiraldi assumed coverage of Arrow Financial with a Neutral rating and $32 price target. The firm assumed four regional banks largely based in Upstate New York, with Financial Institutions (FISI) its favored name. The bank has tended to trade at a discount to its peer group on a forward price-to-earnings basis in part given its sub peer profitability and more limited liquidity, the analyst tells investors in a research note. Piper believes the recent capital raise and balance sheet restructuring should pull forward profitability.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Arrow Financial Corp (AROW.O) is 9.80, compared to its 5-year average forward P/E of 11.33. For a more detailed relative valuation and DCF analysis to assess Arrow Financial Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

11.33

Current PE

9.80

Overvalued PE

13.10

Undervalued PE

9.57

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

3.10

Current PS

2.64

Overvalued PS

4.08

Undervalued PS

2.13