Price
No data yet.
Social Signal Score
Revenue
$24.24M-8.18%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- David S. DeMarco
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 578
- Beta
- 0.74
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.85
Financials
Revenue
$24.24M-8.2%Net Income
$10.96M+62.7%EBITDA
$-17.65M-261.7%Free Cash Flow
$11.59M+20.5%EPS (diluted)
$0.67+59.5%Shares Outstanding (diluted)
16.44M+2.0%Operating Expenses
$22.43MCash & Debt
$30.88MReturn of Capital
$5.33MRevenue by Segment (annual)
$21.40MDividend per Share
$0.30Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $242.58M | $43.95M | $2.66 |
| 2024 | $223.07M | $29.71M | $1.78 |
| 2023 | $191.68M | $30.07M | $1.77 |
| 2022 | $160.55M | $48.80M | $2.87 |
| 2021 | $147.92M | $49.86M | $2.93 |
| 2020 | $144.55M | $40.83M | $2.42 |
| 2019 | $138.31M | $37.48M | $2.23 |
| 2018 | $125.45M | $36.28M | $2.24 |
| 2017 | $112.30M | $29.33M | $1.82 |
| 2016 | $104.75M | $26.53M | $1.66 |
| 2015 | $98.86M | $24.66M | $1.56 |
| 2014 | $95.18M | $23.36M | $1.48 |
| 2013 | $92.20M | $21.80M | $1.39 |
| 2012 | $96.48M | $22.18M | $1.42 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from AROW's reported EPS growth of 4.9% a year over 13 years.
- EPS in 5 years
- $3.38
- Implied price
- $40.60
- Return from $38.82
- 0.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $20.18 — -48.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -5.1% | -15.8% | -12.0% | -8.7% | -5.9% | -3.3% |
| -0.1% | -11.4% | -7.4% | -3.9% | -0.9% | 1.8% |
| 4.9% | -7.0% | -2.7% | 0.9% | 4.1% | 6.9% |
| 9.9% | -2.5% | 1.9% | 5.7% | 9.0% | 12.0% |
| 14.9% | 1.9% | 6.6% | 10.5% | 14.0% | 17.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70Social Signal Score
Mentions (1)
- Newsgurufocus.com·6h ago·Negative
Arrow Financial Corp (AROW) Stock Up 3.8% but GF Value Says Overvalued -- GF Score: 69/100 On September 02, 2026, Arrow Financial Corp (AROW) shares rose 3.8%, reaching a current price of $38.82. This price is situated within a 52-week trading range o
View source ↗
Earnings
Thu, Oct 29(in 8 weeks)
Consensus estimate $0.94 per share
Typical surprise +6.2% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$0.71 vs $0.85miss
- Thu, Apr 30$0.85 vs $0.79beat
- Thu, Jan 29$0.85 vs $0.80beat
- Thu, Oct 30$0.77 vs $0.72beat
- Thu, Jul 24$0.70 vs $0.60beat
- Thu, May 1$0.38 vs $0.43miss
Estimates and results for AROW via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by AROW officers and directors.
- Bought
- $96k
- Sold
- $159k
1 trade
1 trade
- Behan Marksold
- Demarco David S.bought
98 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.