Arrow Financial Corporation (AROW) Stock Score, Valuation & Financial Research
Arrow Financial Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 52/100.
Quick answer for AROW
Arrow Financial Corporation currently has a Wall Street Score of 52/100. The stored market price is $39.15. Its financial score is 35/100. Its valuation score is 97/100. The latest WSS change is +0.7 points. These figures are a research snapshot, not a buy or sell recommendation.
What Arrow Financial Corporation does
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key compon
AROW financial snapshot
- Wall Street Score:
- 52/100
- Current price:
- $39.15
- Market capitalization:
- $647.1M
- Revenue:
- $211.9M
- Net income:
- $51.3M
- Free cash flow:
- $36.2M
- Cash:
- $30.9M
- Total debt:
- $335.1M
- EPS:
- 3.12
- P/E ratio:
- 12.5x
- Financial score:
- 35/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $36.2M, showing positive cash generation.
- The balance sheet shows $30.9M of cash versus $335.1M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.7 points: AROW increased 0.7 points because Valuation improved by 14.6 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 35/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research AROW
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.