Single answer
Is Arrow Financial Corporation (AROW) a buy or sell?
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Decision snapshot
Everything you need to act fast, in one glance.
What is the conclusion?
Right now our advanced algorithms say:
Do analysts agree?
We compare consensus targets with today's price.
Consensus target for Arrow Financial Corporation is $30.00, which is $4.43 (12.87%) below the current price today's price.
Low target: $30.00 | High target: $30.00
Company snapshot
A quick overview of the business and its public profile.
Arrow Financial Corporation a bank holding company provides commercial and consumer banking and financial products and services The companys deposit products include demand deposits interestbearing checking accounts savings deposits time deposits and other time deposits Its lending activities comprise commercial loans such as term loans time notes and lines of credit and commercial real estate loans to finance real estate purchases refinancing expansions and improvements to commercial properties as well as commercial construction and land development loans to finance projects The companys lending activities also include consumer installment loans to finance personal expenditures personal lines of credit overdraft protection and automobile loans and residential real estate loans fixed home equity loans and home equity lines of credit for consumers to finance home improvements debt consolidation education and other uses In addition it maintains an indirect lending program and sells residential real estate loan originations into the secondary market Further the company provides retirement planning trust and estate administration services for individuals and pension profitsharing and employee benefit plan administration services for corporations Additionally it offers insurance agency services comprising group health care policies and life insurance and property and casualty insurance products and investment advisory services to its proprietary mutual funds as well as holds a real estate investment trust The company operates in the northeastern region of New York State in Warren Washington Saratoga Essex Clinton Rensselaer Albany and Schenectady counties as well as surrounding areas It owns 26 branch banking offices and leases 12 branch banking offices as well as two residential loan origination offices Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls New York
Website: https://www.arrowfinancial.com
Rates and inflation backdrop
US inflation for January 2026 was 0.17%. Over the last 12 months, inflation is 2.83%. The 10-year yield is 4.04 and is down -0.110 over the last 30 days.
Inflation sensitivity
Debt ratio: 0.01. Cash flow to debt ratio: 1.40. Net profit margin: 18.12%. Inflation risk score: low (0.10/1).
Dividend history check
Yes, Arrow Financial Corporation pays dividends. Last payment was 2025-11-24 for holders on 2025-11-12. Over 160 payments between 1985 and 2025, total $86.64 with an average of $0.542 per share. Last dividend was $0.290.
Trading liquidity
Yes, the average daily trading liquidity for Arrow Financial Corporation is $2M. You should therefore be able to get in and out of your positions relatively fast.
10-year return check
On Arrow Financial Corporation, 2016-02-26 had a stock price of $20.67. If you invested back then, your return now would be a profit of $13.76 per share or 66.57%.
Why this answer
We combine price momentum, volatility, and trend signals to simplify the decision to one word.
Signal engine scans price, trend, and momentum indicators.
Targets and sentiment are checked against the live quote.
We keep the output simple: buy, sell, or hold.
Analyst consensus
How Wall Street targets compare to today's price.