Arrow Financial Corporation Common Stock (AROW)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn a durable return on equity without taking hidden credit risk. Arrow is a 575-employee regional bank holding company. As of the 2026-10-13 close, FairStock shows a P/E of 11.80, P/B of 1.36, ROE of 12.00%, dividend yield 3.28%, and beta 0.73. Those are not heroic numbers, but they are not demanding either. The filed figures show FY2025, ended 2025-12-31, net income of $44.0M and diluted EPS of $2.65, up from FY2024 net income of $29.7M and EPS of $1.77. Yet FY2023 was $30.1M and $1.77, so the recent jump looks more like a rebound than a long-term growth engine; FairStock calls it a SLOW GROWER because profit grew 1.5% a year over five years. The quarterly path is uneven: fiscal Q1 2026, ended 2026-03-31, had net income of $13.5M and EPS $0.82, while fiscal Q2 2026, ended 2026-06-30, had $11.0M and $0.66. Piotroski F-Score of 3/9 and PEG of 8.14 warn that quality and growth do not match the apparent low P/E. The missing bank-specific data—CET1, NIM, nonperforming loans, reserves, charge-offs—are essential. Without them, I cannot judge underwriting risk. At 1.36 times book, the price looks fair, not a bargain. A patient investor gets a 3.28% dividend and a low beta, but the slow-growth profile and weak F-score argue for a margin of safety that is not clearly present.

In plain English: Arrow Financial is a small regional bank holding company that takes deposits and makes loans to businesses and consumers. Its profits have improved lately, but over the long run they have grown slowly, and some financial-strength signals look weak. Based on its earnings and book value, the stock price looks roughly fair rather than clearly cheap or expensive, and it pays a modest dividend.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer