Arrow Financial Corporation (AROW) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Arrow Financial Corporation (NASDAQ: AROW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $39.26 (+2.35% 1D, market cap $710.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, AROW ranks #281 in composite RQD confidence.
Within the Financials sector (Major Banks), AROW carries a Roarable C (64/100 RQD), trailing P/E of 16.3x, gross margin of —, and ROIC of 10.2%. By comparison, PFIS (Peoples Financial Services Corp.) holds a C grade (63/100 RQD, P/E 12.1x, ROIC 11.4%, cap $703.9M) and CWBC (Community West Bancshares) posts a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).
Per AROW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000717538), Arrow Financial Corporation generated $1.87B in revenue (+3.2% YoY), $44.0M in net income, and $36.2M in free cash flow against $4.45B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Capital intensity & 0% operating margin leave 9 pts on the table
Even with a 64/100 (C) score, AROW faces multiple-compression risk if 16.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.85) or 200D SMA ($37.00) invalidates the momentum regime and cuts Target Base ($40.32) toward Bear Floor ($31.45).
Arrow Financial Corporation (AROW) surged +2.35% to $39.26, trading at 77% of its 52-week range ($28 – $42.7). Solid steady margins (10% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Kalkine report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Arrow Financial walked into its Q3 2026 earnings with the stock roughly flat over the past three months and trading on a richer P/E than many bank peers. The fresh numbers landed with a muted cheer, not a roar. The share
Arrow Financial (AROW) delivered earnings and revenue surprises of +3.19% and +2.47%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AROW today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AROW. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Arrow Financial Corporation (AROW) ranks #281 by composite RQD confidence (64/100, grade C) and #619 by equity capitalization ($710.6M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. WASH currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with AROW at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| AROW
ACTIVE
Arrow Financial Corporation | C | 64/100 | 16.3x | — | 10.2% | +2.35% | $710.6M | Benchmark Subject |
| PFIS Peoples Financial Services Corp. | C | 63/100 | 12.1x | — | 11.4% | +6.54% | $703.9M | /pfis-vs-arow → |
| CWBC Community West Bancshares | C- | 60/100 | 18.6x | — | 9.3% | +2.21% | $699.7M | /cwbc-vs-arow → |
| BCAL California BanCorp | C | 62/100 | 10.9x | — | 10.9% | +1.86% | $690.6M | /bcal-vs-arow → |
| WASH Washington Trust Bancorp Inc. | C+ | 69/100 | 14.3x | — | 9.6% | +3.40% | $736.1M | /wash-vs-arow → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Arrow Financial Corporation (AROW) reported GAAP revenue of $1.87B (+3.2% vs. FY2024 revenue of $1.81B , and +1278.6% cumulative change since FY2023) , GAAP net income of $44.0M, operating cash flow of $41.3M, and free cash flow of $36.2M (+25.3% YoY). On the balance sheet, AROW closed FY2025 with $4.45B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.87B | $44.0M | $41.3M | $36.2M | $4.45B | — |
| FY2024 (FY) | 2024-12-31 | $1.81B | $29.7M | $34.5M | $28.9M | $4.31B | — |
| FY2023 (FY) | 2023-12-31 | $135.4M | $30.1M | $20.6M | $20.6M | — | — |
As of 2026-11-03, Arrow Financial Corporation (NASDAQ: AROW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $39.26 (+2.35% 1D, market cap $710.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, AROW ranks #281 in composite RQD confidence.
Within the Financials sector (Major Banks), AROW carries a Roarable C (64/100 RQD), trailing P/E of 16.3x, gross margin of —, and ROIC of 10.2%. By comparison, PFIS (Peoples Financial Services Corp.) holds a C grade (63/100 RQD, P/E 12.1x, ROIC 11.4%, cap $703.9M) and CWBC (Community West Bancshares) posts a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).
Per AROW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000717538), Arrow Financial Corporation generated $1.87B in revenue (+3.2% YoY), $44.0M in net income, and $36.2M in free cash flow against $4.45B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
AROW last traded at $39.26 (+2.35% on volume of 91,953 shares), positioning the stock +3.73% above its 50-day simple moving average ($37.85) and +6.11% above its 200-day simple moving average ($37.00). Across its 52-week range of $28.00 to $42.70, AROW sits at the 76.6% percentile with a 14-day RSI of 55.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($37.41 to $41.11).
Arrow Financial Corporation (AROW) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $39.26 (+2.35% 1D, market capitalization $710.6M).
Arrow Financial Corporation (AROW) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. The profile identifies the company as a banking-sector business with a market capitalization of $0.7B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Arrow Financial Corporation (AROW) reported $1.87B in annual revenue (up from $1.81B in FY2024, +3.2% YoY) and $44.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($135.4M revenue, $30.1M net income) through FY2025, AROW scaled operating cash flow to $41.3M and free cash flow to $36.2M, backed by $4.45B in total assets against $0 in total debt.
The only sector-level information is the classification itself (Financials / Major Banks) and beta of 1.0. Investors should note that the absence of mapped links means ripple effects cannot be traced from this dataset.
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Yahoo! Finance Canada report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Kalkine report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Arrow Financial Corporation (AROW) market action, institutional positioning, and fundamental catalysts.
The street is overcomplicating Arrow Financial Corporation (AROW). Per the SEC financials, net income rose from $29.7M in FY 2024 to $44.0M in FY 2025 while FCF climbed to $36.2M, with the insider pillar scoring 15 / 20.. With an RQD score of 64/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $41.43.
Both sides have a point here — AROW's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.
I respect the product at Arrow Financial Corporation, but the stock at $38.36 is a different story. Per the news feed, about $15.6 million in merger costs topped the company's profit tied to the Adirondack deal, and revenue and operating income are unreported at $0.0M.. FCF yield is 5.05% and RQD sits at 64/100 (C) — why pay up here when you can wait for next quarter's numbers?
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