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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)173.13m
- Net income in USD29.17m
- Incorporated1983
- Employees537.00
- LocationArrow Financial Corp250 Glen StGLENS FALLS 12801United StatesUSA
- Phone+1 (518) 415-4299
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Guaranty Bancshares, Inc. | 160.10m | 28.44m | 345.17m | 488.00 | 12.28 | 1.13 | 10.40 | 2.92 | 2.44 | 2.44 | 10.16 | 26.47 | -- | -- | -- | -- | 0.8764 | 1.15 | -- | -- | -- | -- | 24.02 | 28.27 | -- | -- | -- | 29.05 | 27.01 | 12.09 | -25.74 | 7.85 | 19.06 | 11.02 |
| RBB Bancorp | 222.19m | 39.53m | 347.97m | 376.00 | 8.95 | 0.6771 | 9.95 | 2.76 | 2.09 | 2.09 | 6.68 | 27.66 | -- | -- | -- | -- | 0.9898 | 1.33 | -- | -- | -- | -- | 31.35 | 35.11 | -- | -- | -- | 20.14 | 22.20 | 16.71 | -33.95 | 3.57 | -23.50 | 12.83 |
| Dacotah Banks Inc | 102.78m | 27.24m | 352.30m | 186.00 | 12.92 | 1.24 | 10.95 | 3.23 | 2.44 | 1.86 | 9.75 | 25.37 | -- | -- | -- | -- | 1.13 | -- | -- | -- | -- | -- | 25.00 | 21.36 | -- | -- | -- | 19.72 | 6.91 | 3.18 | 4.20 | 6.04 | 11.64 | 7.47 |
| Flushing Financial Corp | 418.86m | 28.30m | 359.00m | 549.00 | 13.01 | 0.536 | 10.35 | 1.84 | 0.9495 | 0.9495 | 6.55 | 23.04 | -- | -- | -- | -- | 0.3275 | 0.6727 | -- | -- | -- | -- | 14.51 | 24.28 | -- | -- | -- | 48.90 | 26.80 | 9.33 | -62.75 | -12.25 | 0.2904 | 1.92 |
| Mid Penn Bancorp Inc | 254.30m | 38.30m | 359.15m | 612.00 | 9.30 | 0.647 | 7.94 | 2.13 | 2.31 | 2.31 | 10.23 | 33.26 | -- | -- | -- | -- | 0.7727 | 0.9139 | -- | -- | -- | -- | 22.68 | 25.16 | -- | -- | -- | 28.88 | 42.72 | 28.05 | -31.76 | 28.94 | -20.92 | 5.92 |
| Shore Bancshares Inc | 214.08m | 11.23m | 372.29m | 620.00 | 20.44 | 0.7273 | 16.79 | 2.21 | 0.5483 | 0.5483 | 6.35 | 15.41 | -- | -- | -- | -- | 0.2367 | 0.6333 | -- | -- | -- | -- | 6.66 | 18.18 | -- | -- | -- | 44.74 | 88.04 | 30.80 | -63.99 | -6.56 | 39.35 | 8.45 |
| SmartFinancial Inc | 224.65m | 26.45m | 384.29m | 570.00 | 14.41 | 0.8232 | 14.41 | 2.57 | 1.56 | 1.56 | 8.84 | 27.37 | -- | -- | -- | -- | 0.544 | 0.8477 | -- | -- | -- | -- | 17.68 | 23.46 | -- | -- | -- | 11.17 | 37.28 | 18.78 | -33.54 | 9.57 | 10.27 | -- |
| Arrow Financial Corporation | 173.13m | 29.17m | 396.28m | 537.00 | 13.82 | 1.05 | 14.96 | 2.97 | 1.72 | 1.72 | 7.86 | 22.62 | -- | -- | -- | -- | 0.6906 | 1.12 | -- | -- | -- | -- | 21.85 | 30.66 | -- | -- | -- | 39.93 | 25.39 | 10.99 | -38.37 | -3.68 | 6.77 | 4.18 |
| Thomasville Bancshares Inc | 18.67m | 3.33m | 396.98m | 62.00 | 118.29 | 11.79 | 106.70 | 26.10 | 0.5411 | 0.5411 | 2.47 | 5.43 | -- | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | 21.89 | 33.81 | -- | -- | -- | 45.58 | 18.11 | 14.98 | 11.29 | 18.07 | -5.73 | 16.59 |
| Bar Harbor Bankshares | 179.65m | 41.94m | 399.52m | 462.00 | 9.55 | 0.9186 | 8.49 | 2.66 | 2.76 | 2.76 | 9.86 | 28.64 | -- | -- | -- | -- | 1.06 | 0.9763 | -- | -- | -- | -- | 27.95 | 26.17 | -- | -- | -- | 39.63 | 37.66 | 6.45 | 2.97 | 6.37 | 6.39 | 6.93 |
| Alerus Financial Corp | 176.11m | 9.96m | 402.85m | 709.00 | 42.27 | 1.08 | 21.85 | 2.42 | 0.4819 | 0.4819 | 8.33 | 18.79 | -- | -- | -- | -- | 0.2418 | 1.15 | -- | -- | -- | -- | 5.96 | 17.25 | -- | -- | -- | 33.15 | 42.66 | 13.46 | -70.44 | -14.67 | -3.30 | -- |
| Peapack-Gladstone Financial Corp | 312.71m | 39.13m | 409.40m | 521.00 | 10.58 | 0.703 | 11.95 | 1.85 | 2.18 | 2.18 | 12.29 | 32.79 | -- | -- | -- | -- | 0.6072 | 0.861 | -- | -- | -- | -- | 17.73 | 23.90 | -- | -- | -- | 7.44 | 43.49 | 13.74 | -34.20 | 2.04 | 25.33 | 0.00 |
| Esquire Financial Holdings Inc | 97.60m | 38.89m | 412.48m | 140.00 | 10.70 | 1.99 | 14.05 | 3.64 | 4.65 | 4.65 | 13.53 | 24.97 | -- | -- | -- | -- | 2.50 | 2.10 | -- | -- | -- | -- | 34.35 | 31.68 | -- | -- | -- | 5.39 | 50.65 | 25.99 | 43.81 | 36.25 | 1.23 | -- |
| Northeast Bank | 249.07m | 55.18m | 420.78m | 182.00 | 7.53 | 1.24 | 9.65 | 2.81 | 7.29 | 7.29 | 19.78 | 44.11 | -- | -- | -- | -- | 1.88 | 2.38 | -- | -- | -- | -- | 36.86 | 37.57 | -- | -- | -- | 0.8526 | 100.11 | 21.87 | 4.80 | 21.54 | 20.22 | 0.00 |
| CNB Financial Corp | 304.96m | 49.53m | 421.75m | 765.00 | 8.46 | 0.8105 | 7.33 | 1.90 | 2.37 | 2.37 | 10.61 | 27.52 | -- | -- | -- | -- | 0.9509 | 1.06 | -- | -- | -- | -- | 24.42 | 26.62 | -- | -- | -- | 25.40 | 37.41 | 17.37 | -8.90 | 9.74 | 29.03 | 0.8799 |
Data as of May 10 2024. Currency figures normalised to Arrow Financial Corp's reporting currency: US Dollar USD
34.42%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Glens Falls National Bank & Trust Co.as of 31 Dec 2023 | 1.71m | 10.31% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 1.10m | 6.62% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 782.41k | 4.73% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 668.99k | 4.04% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 374.35k | 2.26% |
| Geode Capital Management LLCas of 31 Dec 2023 | 339.76k | 2.05% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 262.22k | 1.58% |
| American Century Investment Management, Inc.as of 31 Dec 2023 | 185.10k | 1.12% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 147.92k | 0.89% |
| Franklin Mutual Advisers LLCas of 31 Dec 2023 | 133.85k | 0.81% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
