Dashboard Tools Market News Investing Ideas Pricing About Us
Sign Up
Log in
Arrow Financial Corp banner

Arrow Financial Corp
NASDAQ:AROW

Watchlist Manager
Arrow Financial Corp Logo
Arrow Financial Corp
NASDAQ:AROW
Watchlist
Price: 34.995 USD 0.71% Market Closed
Market Cap: $575.7m
Write Note Create Alert Ask AI
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+13%
5Y
+34%
10Y
+102%
Non Interest Income
+
3Y
+4%
5Y
-1%
10Y
+14%
Net Income
+
3Y
-10%
5Y
+8%
10Y
+78%

Income Statement
Arrow Financial Corp

Rotate your device to view
Income Statement
Currency: USD
Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Net Interest Income
47
49
50
50
50
50
49
49
49
49
49
49
49
49
48
48
48
47
46
46
46
46
46
46
48
51
54
57
59
60
60
60
61
62
62
61
60
59
59
58
58
58
58
57
57
56
56
56
57
59
60
61
62
63
65
66
67
69
70
72
73
74
76
78
80
81
83
84
85
85
87
88
90
93
96
99
102
106
110
110
112
113
115
118
119
115
110
105
103
105
108
112
117
122
128
133
Interest Income
77
76
76
75
75
74
72
71
70
69
69
68
68
69
70
72
75
77
79
81
82
84
85
87
88
89
89
90
89
88
87
87
87
87
87
85
83
81
79
77
75
73
71
69
67
66
64
64
64
65
66
67
68
68
69
71
72
74
76
77
78
80
82
85
87
90
93
97
100
104
107
110
112
113
112
112
111
113
116
116
117
118
122
130
137
146
154
163
173
181
188
195
199
202
206
210
Interest Expense
30
27
26
25
25
24
23
22
21
20
20
19
19
20
22
24
27
30
33
35
37
38
39
40
40
38
35
32
30
29
28
26
26
25
24
24
23
22
21
19
17
15
13
12
11
10
9
8
7
7
6
6
5
5
5
5
5
5
5
5
6
6
7
7
7
8
10
13
16
18
21
22
22
19
16
13
9
7
6
5
5
5
7
11
18
31
44
58
70
77
81
83
82
80
79
77
Non Interest Income
11
11
11
11
12
12
12
12
13
12
12
13
13
14
15
15
15
16
16
16
16
16
16
16
17
17
16
16
18
19
20
20
17
17
18
19
21
22
24
26
27
27
26
27
28
28
28
28
28
28
28
29
28
29
29
28
28
28
28
28
28
28
28
28
28
29
29
29
29
28
28
29
29
30
31
33
34
35
34
33
32
31
31
31
29
29
29
29
30
31
31
28
28
28
28
32
Revenue
58
N/A
60
+3%
61
+1%
61
+1%
62
+1%
62
+0%
62
0%
61
0%
62
+0%
61
0%
62
+1%
62
+1%
62
-1%
63
+1%
63
+1%
63
-1%
63
+0%
63
-1%
62
-1%
62
0%
62
0%
62
+0%
62
+0%
63
+1%
65
+4%
68
+5%
70
+3%
74
+5%
78
+6%
79
+1%
80
+2%
80
+0%
78
-3%
79
+1%
80
+2%
80
+0%
81
+1%
81
+0%
83
+3%
84
+1%
85
+1%
85
+0%
84
-1%
85
+1%
85
N/A
84
0%
84
0%
85
+1%
85
+0%
86
+2%
88
+2%
90
+2%
91
+1%
92
+2%
93
+1%
94
+1%
96
+1%
97
+2%
98
+1%
100
+1%
100
+1%
101
+1%
103
+2%
106
+2%
107
+2%
110
+2%
112
+1%
113
+1%
114
+1%
113
0%
115
+1%
117
+1%
119
+2%
123
+3%
126
+3%
132
+5%
136
+3%
141
+4%
143
+2%
143
0%
144
+1%
144
0%
146
+2%
149
+2%
148
-1%
144
-3%
139
-4%
134
-3%
133
-1%
136
+2%
139
+2%
140
+1%
145
+3%
150
+4%
156
+4%
166
+6%
Pre-Tax Income
Loan Loss Provision
(3)
(3)
(3)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(0)
(1)
(1)
(1)
(2)
(2)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(2)
(2)
(4)
(7)
(9)
(9)
(6)
(3)
(1)
(0)
(2)
(2)
(4)
(5)
(6)
(6)
(4)
(3)
(2)
(2)
(3)
(5)
(10)
(9)
(9)
(7)
Non Interest Expense
(31)
(32)
(31)
(31)
(32)
(32)
(32)
(33)
(33)
(33)
(33)
(33)
(33)
(34)
(35)
(35)
(36)
(36)
(36)
(37)
(37)
(37)
(37)
(38)
(39)
(40)
(41)
(42)
(44)
(45)
(46)
(47)
(47)
(47)
(47)
(47)
(48)
(48)
(51)
(52)
(52)
(53)
(51)
(52)
(52)
(53)
(53)
(53)
(53)
(54)
(54)
(54)
(55)
(55)
(56)
(58)
(58)
(58)
(59)
(60)
(61)
(61)
(62)
(63)
(63)
(64)
(64)
(65)
(66)
(66)
(67)
(68)
(69)
(69)
(70)
(71)
(72)
(73)
(75)
(78)
(78)
(80)
(82)
(82)
(85)
(89)
(91)
(93)
(95)
(94)
(95)
(97)
(99)
(102)
(103)
(103)
Pre-Tax Income
24
N/A
26
+6%
27
+4%
28
+3%
28
+2%
28
0%
28
-2%
28
-1%
28
+0%
27
-1%
28
+3%
28
+1%
28
-2%
28
0%
27
-1%
27
-2%
26
-2%
26
-2%
25
-3%
24
-3%
24
N/A
24
-1%
24
+1%
24
+0%
26
+6%
28
+8%
28
+3%
29
+4%
32
+9%
31
-2%
31
+0%
32
+1%
30
-6%
31
+4%
31
+2%
32
+1%
31
0%
32
+1%
31
-1%
32
+1%
32
0%
31
-1%
32
+2%
32
+0%
32
0%
31
-3%
30
-1%
31
+1%
31
+1%
32
+2%
33
+3%
34
+3%
34
+3%
36
+4%
35
-1%
35
+0%
36
+3%
37
+1%
38
+3%
38
0%
38
0%
38
+2%
39
+3%
40
+2%
41
+3%
43
+4%
44
+3%
45
+2%
46
+1%
45
-2%
46
+2%
47
+3%
46
-2%
47
+1%
48
+2%
52
+8%
58
+13%
64
+10%
67
+5%
64
-4%
64
-1%
62
-3%
61
-2%
63
+4%
58
-8%
50
-14%
44
-12%
38
-14%
36
-3%
40
+9%
42
+5%
37
-10%
36
-4%
39
+8%
44
+13%
55
+26%
Net Income
Tax Provision
(8)
(8)
(8)
(9)
(9)
(9)
(9)
(9)
(9)
(8)
(9)
(9)
(9)
(9)
(8)
(8)
(8)
(8)
(7)
(7)
(7)
(7)
(7)
(7)
(7)
(8)
(8)
(9)
(10)
(10)
(10)
(10)
(9)
(9)
(10)
(10)
(10)
(10)
(10)
(10)
(10)
(10)
(10)
(10)
(10)
(9)
(9)
(9)
(9)
(9)
(10)
(10)
(11)
(11)
(11)
(11)
(11)
(11)
(11)
(11)
(11)
(11)
(11)
(12)
(11)
(10)
(10)
(9)
(9)
(9)
(9)
(10)
(10)
(10)
(10)
(11)
(12)
(14)
(15)
(15)
(15)
(14)
(14)
(14)
(13)
(11)
(9)
(7)
(7)
(8)
(9)
(8)
(7)
(8)
(9)
(11)
Income from Continuing Operations
17
18
18
19
19
19
19
19
19
19
19
20
19
19
19
19
18
18
17
17
17
17
17
17
18
19
20
20
22
22
22
22
21
21
22
22
22
22
22
22
22
22
22
22
22
22
22
22
22
22
23
23
24
25
24
25
25
26
27
27
27
27
28
28
30
33
34
36
36
36
36
38
37
37
38
41
46
50
52
50
49
48
47
49
45
39
34
30
29
32
33
30
28
31
34
44
Net Income (Common)
17
N/A
18
+6%
18
+4%
19
+2%
19
+2%
19
0%
19
-2%
19
0%
19
+0%
19
0%
19
+2%
20
+1%
19
-2%
19
0%
19
-1%
19
-2%
18
-2%
18
-2%
17
-3%
17
-2%
17
+0%
17
0%
17
+1%
17
+1%
18
+5%
19
+7%
20
+3%
20
+2%
22
+9%
22
-2%
22
+0%
22
+1%
21
-6%
21
+4%
22
+2%
22
+0%
22
-1%
22
+1%
22
-1%
22
+1%
22
+0%
22
-1%
22
+2%
22
+1%
22
-1%
22
-2%
22
-1%
22
+1%
22
+1%
22
+1%
23
+2%
23
+3%
24
+2%
25
+3%
24
-1%
25
+1%
25
+3%
26
+1%
27
+3%
27
0%
27
+0%
27
+2%
28
+3%
29
+5%
31
+7%
34
+8%
36
+5%
36
+2%
36
+0%
36
-2%
36
+2%
38
+3%
37
-2%
37
+1%
38
+3%
41
+7%
46
+13%
50
+9%
52
+4%
50
-4%
49
-1%
48
-3%
47
-2%
49
+4%
45
-8%
39
-13%
34
-11%
30
-13%
29
-3%
32
+9%
33
+4%
30
-10%
28
-5%
31
+8%
34
+13%
44
+28%
EPS (Diluted)
0.97
N/A
1.03
+6%
1.07
+4%
1.1
+3%
1.12
+2%
1.12
N/A
1.11
-1%
1.15
+4%
1.12
-3%
1.18
+5%
1.16
-2%
1.15
-1%
1.11
-3%
1.19
+7%
1.13
-5%
1.11
-2%
1.08
-3%
1.07
-1%
1.04
-3%
1.02
-2%
1.03
+1%
1.03
N/A
1.05
+2%
1.07
+2%
1.13
+6%
1.21
+7%
1.25
+3%
1.28
+2%
1.4
+9%
1.37
-2%
1.37
N/A
1.37
N/A
1.29
-6%
1.34
+4%
1.37
+2%
1.37
N/A
1.37
N/A
1.37
N/A
1.35
-1%
1.36
+1%
1.36
N/A
1.35
-1%
1.38
+2%
1.37
-1%
1.37
N/A
1.34
-2%
1.33
-1%
1.34
+1%
1.35
+1%
1.37
+1%
1.4
+2%
1.43
+2%
1.47
+3%
1.52
+3%
1.5
-1%
1.5
N/A
1.55
+3%
1.56
+1%
1.61
+3%
1.6
-1%
1.6
N/A
1.63
+2%
1.66
+2%
1.75
+5%
1.86
+6%
2.01
+8%
2.11
+5%
2.16
+2%
2.17
+0%
2.12
-2%
2.17
+2%
2.22
+2%
2.19
-1%
2.2
+0%
2.25
+2%
2.41
+7%
2.71
+12%
2.95
+9%
3.06
+4%
2.92
-5%
2.88
-1%
2.8
-3%
2.75
-2%
2.86
+4%
2.62
-8%
2.27
-13%
2.01
-11%
1.77
-12%
1.72
-3%
1.89
+10%
1.96
+4%
1.77
-10%
1.7
-4%
1.83
+8%
2.08
+14%
2.66
+28%

See Also

Summary
AROW intrinsic value, competitors valuation, and company profile.
DCF Valuation
AROW stock valuation using Discount Cash Flow valuation method.
Relative Valuation
AROW stock valuation using valuation multiples.
Wall Street Estimates
AROW price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
AROW stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
ALPHA SPREAD
Follow us
Join more than 319,700+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.