Arrow Financial Corporation (AROW) carries a Roarable Rating of C+ (Hold) with 66/100 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 56.2 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
Even with a 66/100 (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 ($36.94) invalidates the momentum regime and cuts Target Base ($40.06) toward Bear Floor ($31.25).
Arrow Financial Corporation (AROW) advanced +1.67% to $38.67, trading at 73% 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.
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?
(AROW) on Thursday reported third-quarter profit of $5.The bank, based in Glens Falls, New York, said it had earnings of 31 cents per share.
Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow" or the "Company") announced financial results for the three-month period ended September 30, 2026. Reported net income for the third quarter of 2026 was $5.7 millio
Arrow Financial (NASDAQ:AROW) reported quarterly earnings of $0.97 per share which beat the analyst consensus estimate of $0.94 by 3.19 percent. This is a 25.97 percent increase over earnings of $0.77 per share from the
Princeton Bancorp (BPRN) delivered earnings and revenue surprises of -84.69% and -0.61%, 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. +6.0% 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 1096 tracked Financials securities in the Roarable RQD universe, Arrow Financial Corporation (AROW) ranks #290 by composite RQD confidence (66/100, grade C+) and #619 by equity capitalization ($716.2M). 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. PFIS currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with AROW at 66/100 (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+ | 66/100 | 16.3x | — | 10.2% | +1.67% | $716.2M | Benchmark Subject |
| PFIS Peoples Financial Services Corp. | C+ | 67/100 | 12.1x | — | 11.4% | +0.37% | $715.3M | /pfis-vs-arow → |
| CWBC Community West Bancshares | C- | 59/100 | 18.6x | — | 9.3% | +0.97% | $708.1M | /cwbc-vs-arow → |
| MSBI Midland States Bancorp Inc. | D | 48/100 | — | — | -22.0% | -1.23% | $702.0M | /msbi-vs-arow → |
| BCAL California BanCorp | C | 65/100 | 10.9x | — | 10.9% | -0.46% | $689.3M | /bcal-vs-arow → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Arrow Financial Corporation (AROW) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $44.0M | $41.3M | $36.2M | $4.45B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $29.7M | $34.5M | $28.9M | $4.31B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $30.1M | $20.6M | $20.6M | — | — |
As of 2026-11-01, Arrow Financial Corporation (NASDAQ: AROW) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $38.67 (+1.67% 1D, market cap $716.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, AROW ranks #290 in composite RQD confidence.
Within the Financials sector (Major Banks), AROW carries a Roarable C+ (66/100 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 (67/100 RQD, P/E 12.1x, ROIC 11.4%, cap $715.3M) and CWBC (Community West Bancshares) posts a C- grade (59/100 RQD, P/E 18.6x, ROIC 9.3%, cap $708.1M). 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 $0 in revenue, $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 $38.67 (+1.67% on volume of 80,590 shares), positioning the stock +2.17% above its 50-day simple moving average ($37.85) and +4.68% above its 200-day simple moving average ($36.94). Across its 52-week range of $28.00 to $42.70, AROW sits at the 72.6% percentile with a 14-day RSI of 56.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($36.81 to $40.53).
Why AROW Stock advanced +1.67% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.