AROW

Based on Arrow Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Arrow Financial Corporation do?

Arrow Financial is a bank holding company that provides commercial and consumer banking, real estate lending, trust and estate administration, retirement plan services, insurance agency products, and investment advisory services. It primarily serves individuals and businesses in upstate New York through its community banking model.

Does AROW pay dividends?

Yes, Arrow Financial pays a regular dividend. Community banks like Arrow often prioritize consistent dividend payments as a way to return capital to shareholders. Investors should review the company's investor relations page for the current dividend rate and payment schedule.

When does AROW report earnings?

Arrow Financial reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates and the most recent results, check the company's official investor relations page rather than relying on third-party estimates.

Is AROW a good stock to buy?

UQS Score rates AROW as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat and Risk pillars are both Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.

Is AROW overvalued?

The UQS Valuation pillar for AROW is rated Attractive, suggesting the stock is not expensive relative to its fundamentals. However, an attractive valuation alone does not offset concerns in other areas — particularly the Weak Moat and Risk ratings that weigh on the overall UQS Score.

How does AROW compare to its competitors?

Arrow Financial competes with other community and regional banks such as Red River Bancshares, Southern California Bancorp, and Alerus Financial. Each operates in different geographies and with varying business mixes. UQS Pro members can view side-by-side pillar comparisons across these peers.

What is AROW's market cap bracket?

Arrow Financial is classified as a small-cap company. Small-cap community banks like Arrow can offer dividend income and local market expertise, but they typically carry higher liquidity risk and less pricing power than larger regional or national banking institutions.

Who founded Arrow Financial Corporation?

Arrow Financial Corporation was established in 1980. For detailed founding history and leadership background, the company's official website and investor relations materials are the most reliable sources.

Is AROW a long-term quality investment?

From a long-term quality perspective, AROW's Below Average UQS Score reflects concerns that extend beyond short-term price movements. The Weak Moat rating in particular suggests limited durable competitive advantages — a key factor for long-term compounding. The full analysis is available to UQS Pro members.

What is the main competitive advantage of Arrow Financial?

Arrow Financial's UQS Moat pillar is rated Weak, indicating limited structural competitive advantages relative to peers. Its strongest differentiation lies in deep community relationships and a diversified fee-based service mix — including trust, insurance, and retirement services — that goes beyond pure lending.

Arrow Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Arrow Financial Corporation shows steady but unspectacular growth, typical for mature companies.

Arrow Financial Corporation has some risk factors including moderate leverage or solvency concerns.

Arrow Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Arrow Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AROW.

The UQS (Unified Quality Score) for Arrow Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Arrow Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Arrow Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.