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Arrow Financial Corp
NASDAQ:AROW

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Arrow Financial Corp
NASDAQ:AROW
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Price: 36.06 USD -1.31% Market Closed
Market Cap: $595.4m

P/E

13.5
Current
1%
More Expensive
vs 3-y average of 13.4

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
13.5
=
Market Cap
$561.3m
/
Net Income
$43.8m

Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.

P/E
13.5
=
Market Cap
$561.3m
/
Net Income
$43.8m

Valuation Scenarios

Arrow Financial Corp is trading above its 3-year average

If P/E returns to its 3-Year Average (13.4), the stock would be worth $35.64 (1% downside from current price).

Statistics
Positive Scenarios
1/4
Maximum Downside
-19%
Maximum Upside
+69%
Average Upside
12%
Scenario P/E Value Implied Price Upside/Downside
Current Multiple 13.5 $36.06
0%
3-Year Average 13.4 $35.64
-1%
5-Year Average 11 $29.17
-19%
Industry Average 13.5 $35.9
0%
Country Average 22.9 $60.92
+69%

Forward P/E
Today’s price vs future net income

Today's Market Cap Net Income Forward P/E
$561.3m
/
Jan 2026
$43.8m
=
13.5
Current
$561.3m
/
Dec 2026
$58.1m
=
9.7
Forward
$561.3m
/
Dec 2027
$72.9m
=
7.7
Forward

Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.

Market Distribution

Lower than 76% of companies in the United States of America
Percentile
24th
Based on 8 489 companies
24th percentile
13.5
Low
0 — 15.3
Typical Range
15.3 — 33.2
High
33.2 —
Distribution Statistics
the United States of America
Min 0
30th Percentile 15.3
Median 22.9
70th Percentile 33.2
Max 1 826 183.3

Other Multiples

Arrow Financial Corp
Glance View

Market Cap
595.4m USD
Industry
Banking

Arrow Financial Corp. is a bank holding company, which engages in the provision of banking and insurance services through its subsidiaries, Glens Falls National and Saratoga National. The company is headquartered in Glens Falls, New York and currently employs 512 full-time employees. Arrow 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. Arrow provides services, such as trust administration, retirement plan administration, advice to its proprietary mutual funds and insurance products. The firm offers a range of commercial and consumer banking and financial products. The deposit base consists of deposits derived principally from the communities served. Arrow targets lending activities to consumers and small- and mid-sized companies in Arrow's regional geographic area. The firm provides retirement planning, trust and estate administration. Arrow's subsidiaries include Glens Falls National Bank and Trust Company (Glens Falls National) and Saratoga National Bank and Trust Company (Saratoga National).

AROW Intrinsic Value
51.49 USD
Undervaluation 30%
Intrinsic Value
Price $36.06
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