Touchstone
Last syncNov 1, 2026, 6:55 PM ET

AROW

Arrow Financial Corp Financials National Commercial Banks Russell 3000
$38.36Close $630.8MMarket cap $26.22 – $42.1752-week range Jan 28, 2027Next report · estimated

Highlights

Strengths

  • Tight base near its pivot pullbacks 13% → 11%; 4.0% below its $39.97 pivot

Cautions

  • Trend not confirmed 7 of 8 conditions · RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 9%
1wk 0.0% price change
1mo up 4.1% price change
12-month return up 46% market up 11% · its own up 39%
F-score — — Not assessed
Altman Z — Unknown
P/E 14.4× price / earnings
PEG 0.29 P/E / EPS growth
P/B 1.5× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth — year on year
EPS growth up 2% latest quarter · -115 pts
Sales growth — latest quarter
ROE up 11% return on equity
Free cash margin —
D/E 0.01 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 50% ($0.0B → $0.0B)

Trade setup

ATR% 2.4% $0.91 a day · 2×ATR $36.55
RS 67 / 99 vs the universe
Trend 7 / 8 RS under 70
Relative volume 0.9× vs 50-day average
Up/down volume 0.81 50 sessions
Implied move — no scheduled report
Contractions 2 13% → 11%
Pivot $39.97 4.0% below
Volume dry-up 0.9× 10 vs 50 sessions
Trend template · 7 of 8
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 29, 2026
Results reaction Oct 29, 2026+3% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $131.9M FY2021 · $142.7M FY2022 · $149.2M FY2023 · $133.9M FY2024 FY2025
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $44.0M +48% on FY2024
$0 $50M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $40.8M FY2021 · $49.9M FY2022 · $48.8M FY2023 · $30.1M FY2024 · $29.7M FY2025 · $44.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 31% FY2021 · Net 35% FY2022 · Net 33% FY2023 · Net 22% FY2024 FY2025
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $381.0M · Long-term debt $45.0M FY2021 · Cash $457.7M · Long-term debt $45.0M FY2022 · Cash $64.7M · Long-term debt $27.8M FY2023 · Cash $142.5M · Long-term debt $6.5M FY2024 · Cash $154.5M · Long-term debt $8.6M FY2025 · Cash $214.2M · Long-term debt $4.3M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 16.45m -18.6% since FY2020
22.07m 16.45m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 20.19m FY2021 · 20.80m FY2022 · 21.42m FY2023 · 22.07m FY2024 · 16.74m FY2025 · 16.45m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $131.9M $142.7M $149.2M $133.9M — —
Net income $40.8M $49.9M $48.8M $30.1M $29.7M $44.0M
Net margin 31% 35% 33% 22% — —
Earnings per share $2.49 $2.93 $2.86 $1.77 $1.77 $2.66
Cash $381.0M $457.7M $64.7M $142.5M $154.5M $214.2M
Long-term debt $45.0M $45.0M $27.8M $6.5M $8.6M $4.3M
Shareholders' equity $334.4M $371.2M $353.5M $379.8M $400.9M $431.9M
Shares outstanding 20.19m 20.80m 21.42m 22.07m 16.74m 16.45m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Mar 6, 2026 Annual ↗ Dec 31, 2025 65d
Nov 6, 2025 Quarterly ↗ Sep 30, 2025 37d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Mar 14, 2025 Annual ↗ Dec 31, 2024 73d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 10, 2024 Quarterly ↗ Mar 31, 2024 40d
Mar 11, 2024 Annual ↗ Dec 31, 2023 71d
Nov 9, 2023 Quarterly ↗ Sep 30, 2023 40d

Current reports

FiledDisclosed
Oct 29, 2026 Results · Regulation FD · Other events ↗
Sep 10, 2026 Other events ↗
Jul 23, 2026 Results · Regulation FD · Other events ↗
Jul 1, 2026 Acquisition or disposal · Director or officer change · Regulation FD ↗
Jun 11, 2026 Other events ↗
Jun 4, 2026 Shareholder vote ↗
Jun 3, 2026 Regulation FD ↗
Jun 1, 2026 Other events ↗
Apr 30, 2026 Results · Regulation FD · Other events ↗
Feb 26, 2026 Material agreement · Regulation FD · Other events ↗
Jan 29, 2026 Results · Director or officer change · Regulation FD · Other events ↗
Nov 25, 2025 Director or officer change ↗