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About the company
Arrow Financial Corporation is a bank holding company. The Company's banking subsidiaries include Glens Falls National Bank and Trust Company (GFNB) and Saratoga National Bank and Trust Company (SNB). The two banks provide a full range of services for individuals and small to mid-size businesses in northeastern New York State from Albany, the state's capitol, to the Canadian border. It is engaged in a range of lending activities, including commercial and industrial lending primarily to small and mid-sized companies; mortgage lending for residential and commercial properties, and consumer installment and home equity financing. It also provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations. GFNB's subsidiary, Upstate Agency LLC, offers insurance services, including property and casualty insurance, group health insurance and individual life insurance products.
- Revenue in USD (TTM)188.42m
- Net income in USD32.96m
- Incorporated1983
- Employees537.00
- LocationArrow Financial Corp250 Glen StreetGLENS FALLS 12801United StatesUSA
- Phone+1 (518) 745-1000
- Websitehttps://www.arrowfinancial.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capital Bancorp Inc | 198.56m | 32.47m | 473.96m | 277.00 | 12.31 | 1.42 | 19.70 | 2.78 | 2.33 | 2.33 | 12.25 | 20.13 | -- | -- | -- | -- | 1.34 | 1.75 | -- | -- | -- | -- | 19.02 | 21.97 | -- | -- | -- | 5.23 | 21.61 | 21.52 | -14.19 | 22.95 | 4.44 | -- |
| Wilson Bank Holding Company | 269.51m | 52.81m | 486.60m | 584.00 | 9.15 | 1.01 | 8.53 | 2.72 | 4.48 | 4.48 | 15.19 | 40.73 | -- | -- | -- | -- | 1.07 | 1.25 | -- | -- | -- | -- | 29.54 | 30.32 | -- | -- | -- | 34.45 | 41.29 | 16.54 | -7.74 | 8.47 | -9.74 | -- |
| Flushing Financial Corp | 454.09m | 26.01m | 522.37m | 549.00 | 20.53 | 0.7833 | 16.20 | 2.64 | 0.8751 | 0.8751 | 6.65 | 22.94 | -- | -- | -- | -- | 0.2913 | 0.6727 | -- | -- | -- | -- | 13.15 | 24.28 | -- | -- | -- | 48.90 | 26.80 | 9.33 | -62.75 | -12.25 | 0.2904 | 1.92 |
| Shore Bancshares Inc | 290.07m | 41.10m | 544.23m | 620.00 | 13.21 | 1.02 | 9.51 | 2.75 | 1.24 | 1.24 | 5.95 | 16.00 | -- | -- | -- | -- | 0.7072 | 0.6333 | -- | -- | -- | -- | 20.77 | 18.18 | -- | -- | -- | 44.74 | 88.04 | 30.80 | -63.99 | -6.56 | 39.35 | 8.45 |
| Bar Harbor Bankshares | 187.06m | 42.49m | 553.31m | 462.00 | 13.03 | 1.20 | 11.62 | 3.68 | 2.78 | 2.78 | 9.84 | 30.12 | -- | -- | -- | -- | 1.06 | 0.9763 | -- | -- | -- | -- | 28.27 | 26.17 | -- | -- | -- | 39.63 | 37.66 | 6.45 | 2.97 | 6.37 | 6.39 | 6.93 |
| Arrow Financial Corporation | 188.42m | 32.96m | 564.43m | 537.00 | 17.21 | 1.44 | 14.57 | 4.06 | 1.96 | 1.96 | 8.26 | 23.50 | -- | -- | -- | -- | 0.7591 | 1.12 | -- | -- | -- | -- | 23.72 | 30.66 | -- | -- | -- | 39.93 | 25.39 | 10.99 | -38.37 | -3.68 | 6.77 | 4.18 |
| HarborOne Bancorp Inc | 268.27m | 11.41m | 582.52m | 529.00 | 47.87 | 0.9971 | 53.38 | 3.52 | 0.2757 | 0.2757 | 3.97 | 13.24 | -- | -- | -- | -- | 0.1995 | 0.7927 | -- | -- | -- | -- | 6.89 | 17.70 | -- | -- | -- | 22.26 | 42.09 | 16.12 | -64.73 | 7.13 | -4.17 | -- |
| Midland States Bancorp Inc | 414.49m | 43.50m | 585.33m | 878.00 | 13.67 | 0.8268 | 10.45 | 1.98 | 2.00 | 2.00 | 13.61 | 38.25 | -- | -- | -- | -- | 0.6763 | 0.9544 | -- | -- | -- | -- | 17.96 | 23.34 | -- | -- | -- | 39.64 | 33.98 | 12.60 | -30.72 | 10.96 | 3.93 | -- |
| Alerus Financial Corp | 198.97m | 3.18m | 588.36m | 709.00 | 156.09 | 1.19 | 50.31 | 3.42 | 0.1486 | 0.1486 | 8.62 | 19.53 | -- | -- | -- | -- | 0.0778 | 1.15 | -- | -- | -- | -- | 1.80 | 17.25 | -- | -- | -- | 33.15 | 42.66 | 13.46 | -70.44 | -14.67 | -3.30 | -- |
| First Financial Corp | 250.61m | 43.45m | 589.00m | 861.00 | 13.54 | 1.04 | 11.39 | 2.85 | 3.68 | 3.68 | 17.53 | 47.93 | -- | -- | -- | -- | 0.8463 | 1.27 | -- | -- | -- | -- | 21.01 | 29.76 | -- | -- | -- | 24.35 | 24.60 | 12.59 | -14.68 | 5.43 | 26.58 | 1.15 |
| Farmers National Banc Corp | 224.89m | 46.13m | 589.16m | 666.00 | 12.74 | 1.34 | 11.27 | 3.45 | 1.23 | 1.23 | 4.56 | 11.70 | -- | -- | -- | -- | 0.9039 | 1.38 | -- | -- | -- | -- | 26.99 | 32.94 | -- | -- | -- | 35.39 | 50.14 | 18.38 | -17.60 | 8.92 | 53.86 | 17.78 |
| CNB Financial Corp | 321.00m | 48.83m | 596.43m | 765.00 | 12.15 | 1.09 | 10.47 | 2.66 | 2.34 | 2.34 | 10.73 | 28.88 | -- | -- | -- | -- | 0.9107 | 1.06 | -- | -- | -- | -- | 23.87 | 26.62 | -- | -- | -- | 25.40 | 37.41 | 17.37 | -8.90 | 9.74 | 29.03 | 0.8799 |
| SmartFinancial Inc | 242.52m | 32.69m | 615.36m | 570.00 | 18.78 | 1.26 | 18.88 | 3.76 | 1.94 | 1.94 | 9.70 | 28.89 | -- | -- | -- | -- | 0.6736 | 0.8477 | -- | -- | -- | -- | 19.96 | 23.46 | -- | -- | -- | 11.17 | 37.28 | 18.78 | -33.54 | 9.57 | 10.27 | -- |
| Hills Bancorporation | 188.87m | 38.56m | 627.69m | 474.00 | 16.53 | 1.21 | 15.41 | 4.44 | 4.23 | 4.23 | 15.50 | 57.56 | -- | -- | -- | -- | 0.9098 | 1.16 | -- | -- | -- | -- | 27.25 | 32.28 | -- | -- | -- | 20.07 | 30.39 | 7.55 | -20.06 | 0.755 | 6.53 | -- |
| Mid Penn Bancorp Inc | 279.39m | 48.30m | 629.11m | 612.00 | 11.19 | 0.9429 | 11.40 | 3.62 | 2.91 | 2.91 | 10.46 | 34.48 | -- | -- | -- | -- | 0.8993 | 0.9139 | -- | -- | -- | -- | 27.78 | 25.16 | -- | -- | -- | 28.88 | 42.72 | 28.05 | -31.76 | 28.94 | -20.92 | 5.92 |
| Peapack-Gladstone Financial Corp | 321.81m | 32.35m | 645.63m | 521.00 | 20.22 | 1.06 | 17.41 | 2.93 | 1.82 | 1.82 | 12.39 | 34.57 | -- | -- | -- | -- | 0.4859 | 0.861 | -- | -- | -- | -- | 14.67 | 23.90 | -- | -- | -- | 7.44 | 43.49 | 13.74 | -34.20 | 2.04 | 25.33 | 0.00 |
Data as of Nov 13 2024. Currency figures normalised to Arrow Financial Corp's reporting currency: US Dollar USD
37.26%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Glens Falls National Bank & Trust Co.as of 30 Sep 2024 | 1.93m | 11.56% |
| BlackRock Fund Advisorsas of 30 Jun 2024 | 1.17m | 7.01% |
| The Vanguard Group, Inc.as of 30 Jun 2024 | 830.11k | 4.96% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 680.64k | 4.07% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 392.70k | 2.35% |
| Geode Capital Management LLCas of 30 Jun 2024 | 389.43k | 2.33% |
| American Century Investment Management, Inc.as of 30 Jun 2024 | 266.65k | 1.59% |
| Renaissance Technologies LLCas of 30 Jun 2024 | 251.92k | 1.51% |
| Voya Investment Management Co. LLCas of 30 Jun 2024 | 173.03k | 1.03% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Jun 2024 | 142.55k | 0.85% |
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Data from 30 Jun 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
