Arrow Financial Net Income
| AROW Stock | USD 34.67 0.04 0.12% |
As of the 15th of February 2026, Arrow Financial shows the Downside Deviation of 1.27, risk adjusted performance of 0.1207, and Mean Deviation of 1.35. Arrow Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Arrow Financial standard deviation, value at risk, as well as the relationship between the Value At Risk and kurtosis to decide if Arrow Financial is priced correctly, providing market reflects its regular price of 34.67 per share. Given that Arrow Financial has jensen alpha of 0.183, we suggest you to validate Arrow Financial's prevailing market performance to make sure the company can sustain itself at a future point.
Arrow Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.6194 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 34.2 M | 23.4 M | |
| Net Income Applicable To Common Shares | 56.1 M | 28.1 M | |
| Net Income From Continuing Ops | 34.2 M | 35.1 M | |
| Net Income Per Share | 2.66 | 2.80 | |
| Net Income Per E B T | 0.79 | 0.81 |
Arrow | Net Income | Build AI portfolio with Arrow Stock |
The evolution of Net Income for Arrow Financial provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Arrow Financial compares to historical norms and industry peers.
Latest Arrow Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Arrow Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Arrow Financial financial statement analysis. It represents the amount of money remaining after all of Arrow Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Arrow Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Arrow Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 29.71 M | 10 Years Trend |
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Net Income |
| Timeline |
Arrow Net Income Regression Statistics
| Arithmetic Mean | 31,512,568 | |
| Geometric Mean | 27,665,118 | |
| Coefficient Of Variation | 38.83 | |
| Mean Deviation | 9,735,609 | |
| Median | 29,709,000 | |
| Standard Deviation | 12,235,738 | |
| Sample Variance | 149.7T | |
| Range | 47.1M | |
| R-Value | 0.81 | |
| Mean Square Error | 54.7T | |
| R-Squared | 0.66 | |
| Significance | 0.000079 | |
| Slope | 1,964,709 | |
| Total Sum of Squares | 2395.4T |
Arrow Net Income History
Other Fundumenentals of Arrow Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Arrow Financial Net Income component correlations
Arrow Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Arrow Financial is extremely important. It helps to project a fair market value of Arrow Stock properly, considering its historical fundamentals such as Net Income. Since Arrow Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Arrow Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Arrow Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
What growth prospects exist in Regional Banks sector? Can Arrow capture new markets? Factors like these will boost the valuation of Arrow Financial. If investors know Arrow will grow in the future, the company's valuation will be higher. Valuation analysis balances hard financial data with qualitative growth assessments. While each Arrow Financial valuation metric matters, prioritizing which indicators carry greater predictive weight remains essential.
Quarterly Earnings Growth 2.179 | Dividend Share 1.14 | Earnings Share 2.65 | Revenue Per Share | Quarterly Revenue Growth 0.37 |
Investors evaluate Arrow Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Arrow Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investment professionals apply varied valuation frameworks to compute inherent worth and acquire positions when market prices trade at discounts to calculated value. External factors like market trends, sector rotation, and investor psychology can cause Arrow Financial's market price to deviate significantly from intrinsic value.
Understanding that Arrow Financial's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Arrow Financial represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Arrow Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Arrow Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Arrow Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Arrow Financial.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Arrow Financial on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Arrow Financial or generate 0.0% return on investment in Arrow Financial over 90 days. Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products an... More
Arrow Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Arrow Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Arrow Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.27 | |||
| Information Ratio | 0.1019 | |||
| Maximum Drawdown | 8.28 | |||
| Value At Risk | (1.95) | |||
| Potential Upside | 3.27 |
Arrow Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Arrow Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Arrow Financial's standard deviation. In reality, there are many statistical measures that can use Arrow Financial historical prices to predict the future Arrow Financial's volatility.| Risk Adjusted Performance | 0.1207 | |||
| Jensen Alpha | 0.183 | |||
| Total Risk Alpha | 0.1067 | |||
| Sortino Ratio | 0.1359 | |||
| Treynor Ratio | 0.2805 |
Arrow Financial February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1207 | |||
| Market Risk Adjusted Performance | 0.2905 | |||
| Mean Deviation | 1.35 | |||
| Semi Deviation | 1.1 | |||
| Downside Deviation | 1.27 | |||
| Coefficient Of Variation | 698.69 | |||
| Standard Deviation | 1.7 | |||
| Variance | 2.87 | |||
| Information Ratio | 0.1019 | |||
| Jensen Alpha | 0.183 | |||
| Total Risk Alpha | 0.1067 | |||
| Sortino Ratio | 0.1359 | |||
| Treynor Ratio | 0.2805 | |||
| Maximum Drawdown | 8.28 | |||
| Value At Risk | (1.95) | |||
| Potential Upside | 3.27 | |||
| Downside Variance | 1.61 | |||
| Semi Variance | 1.21 | |||
| Expected Short fall | (1.87) | |||
| Skewness | 0.3466 | |||
| Kurtosis | 0.2742 |
Arrow Financial Backtested Returns
Arrow Financial appears to be very steady, given 3 months investment horizon. Arrow Financial secures Sharpe Ratio (or Efficiency) of 0.17, which signifies that the company had a 0.17 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Arrow Financial, which you can use to evaluate the volatility of the firm. Please makes use of Arrow Financial's Downside Deviation of 1.27, risk adjusted performance of 0.1207, and Mean Deviation of 1.35 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Arrow Financial holds a performance score of 13. The firm shows a Beta (market volatility) of 0.83, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Arrow Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Arrow Financial is expected to be smaller as well. Please check Arrow Financial's value at risk, as well as the relationship between the kurtosis and market facilitation index , to make a quick decision on whether Arrow Financial's price patterns will revert.
Auto-correlation | 0.68 |
Good predictability
Arrow Financial has good predictability. Overlapping area represents the amount of predictability between Arrow Financial time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Arrow Financial price movement. The serial correlation of 0.68 indicates that around 68.0% of current Arrow Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.68 | |
| Spearman Rank Test | 0.62 | |
| Residual Average | 0.0 | |
| Price Variance | 2.14 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Arrow Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Arrow Financial reported net income of 29.71 M. This is 97.67% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 94.8% higher than that of the company.
Arrow Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Arrow Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Arrow Financial could also be used in its relative valuation, which is a method of valuing Arrow Financial by comparing valuation metrics of similar companies.Arrow Financial is currently under evaluation in net income category among its peers.
Arrow Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Arrow Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Arrow Financial's managers, analysts, and investors.Environmental | Governance | Social |
Arrow Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Arrow Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Arrow Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Arrow Financial's value.| Shares | Ing Investment Management Llc | 2025-06-30 | 146.8 K | Northern Trust Corp | 2025-06-30 | 136.6 K | Charles Schwab Investment Management Inc | 2025-06-30 | 126.8 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 122 K | Bank Of New York Mellon Corp | 2025-06-30 | 87.5 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 79.1 K | Johnson Investment Counsel Inc | 2025-06-30 | 59.6 K | Trust Co Of Vermont | 2025-06-30 | 57.4 K | First Trust Advisors L.p. | 2025-06-30 | 57 K | Arrow Financial Corp(junk) | 2025-06-30 | 1.9 M | Blackrock Inc | 2025-06-30 | 1.3 M |
Arrow Fundamentals
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.01 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.41 % | ||||
| Current Valuation | 385.17 M | ||||
| Shares Outstanding | 16.45 M | ||||
| Shares Owned By Insiders | 2.76 % | ||||
| Shares Owned By Institutions | 54.17 % | ||||
| Number Of Shares Shorted | 110.49 K | ||||
| Price To Earning | 11.95 X | ||||
| Price To Book | 1.32 X | ||||
| Price To Sales | 3.60 X | ||||
| Revenue | 242.58 M | ||||
| Gross Profit | 158.32 M | ||||
| EBITDA | 55.39 M | ||||
| Net Income | 29.71 M | ||||
| Cash And Equivalents | 224.22 M | ||||
| Cash Per Share | 13.58 X | ||||
| Total Debt | 29.19 M | ||||
| Debt To Equity | 0.09 % | ||||
| Book Value Per Share | 26.26 X | ||||
| Cash Flow From Operations | 34.47 M | ||||
| Short Ratio | 1.43 X | ||||
| Earnings Per Share | 2.65 X | ||||
| Price To Earnings To Growth | 2.41 X | ||||
| Target Price | 34.5 | ||||
| Number Of Employees | 600 | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 570.16 M | ||||
| Total Asset | 4.45 B | ||||
| Retained Earnings | 102.27 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.08 % | ||||
| Net Asset | 4.45 B | ||||
| Last Dividend Paid | 1.14 |
About Arrow Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Arrow Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Arrow Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Arrow Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When running Arrow Financial's price analysis, check to measure Arrow Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Arrow Financial is operating at the current time. Most of Arrow Financial's value examination focuses on studying past and present price action to predict the probability of Arrow Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Arrow Financial's price. Additionally, you may evaluate how the addition of Arrow Financial to your portfolios can decrease your overall portfolio volatility.