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AROWArrow Financial CorporationHold6.5·$41.29-1.85%
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Arrow Financial Corporation (AROW) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $41.29, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away).

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time... Read more

$41.29+0.7% A.UpsideScore 6.5/10#28 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield2.91%(5y avg 3.81%)Payout37.54%sustainable
Stop $38.83Target $41.59(resistance)A.R:R -1.3:1
Analyst target$41.00-0.7%3 analysts
$41.59our TP
$41.29price
$41.00mean
$38
$43

Hold if already holding. Not a fresh buy at $41.29, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 19d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202619d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.7% away)

Key Metrics

P/E (TTM)13.4
P/E (Fwd)9.5
Mkt Cap$682M
EV/EBITDA
Profit Mgn30.4%
ROE12.1%
Rev Growth29.4%
Beta0.74
Dividend2.91%
Rating analysts6

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

IV81%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.3=NEGATIVEMomentum 6.4>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 19d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
69 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $36.31Resistance $42.44

Price Targets

$39
$42
A.Upside+0.7%
A.R:R-1.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-15.6% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (19d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is AROW stock a buy right now?

Hold if already holding. Not a fresh buy at $41.29, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Maintain position. Not compelling to add more. Target $41.59 (+0.7%), stop $38.83 (−6.3%), A.R:R -1.3:1. Score 6.5/10, moderate confidence.

What is the AROW stock price target?

Take-profit target: $41.59 (+0.7% upside). Target $41.59 (+0.7%), stop $38.83 (−6.3%), A.R:R -1.3:1. Stop-loss: $38.83.

What are the risks of investing in AROW?

Analyst target reached - limited upside remaining; Near 52-week high (2.7% away).

Is AROW overvalued or undervalued?

Arrow Financial Corporation trades at a P/E of 13.4 (forward 9.5). TrendMatrix value score: 7.6/10. Verdict: Hold.

What do analysts say about AROW?

6 analysts cover AROW with a consensus score of 2.2/5. Average price target: $41.

What does Arrow Financial Corporation do?Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial...

Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products. The company was founded in 1851 and is headquartered in Glens Falls, New York.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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