Arrow Finl (NASDAQ:AROW) Stock

Arrow Financial

Arrow Finl

Arrow Financial Corp is a holding company. It provides various advisory and administrative services and coordinates the general policies and operations of the banks. It provides financial products, including online and mobile banking, mortgages, commercial loans, investments, and others. The company also provides lending services including commercial and industrial lending to small and mid-sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. The key source of company's revenue is interest income, fees, commission earned through its subsidiaries.

Arrow Financial Corporation - Common Stock

Arrow Financial Corp

Aroway Energy Inc

Piper Sandler analyst Frank Schiraldi maintains Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) with a Neutral and lowers the price target from $30 to $28.

News

Price Target

Analyst Ratings

AROW

Piper Sandler Maintains Neutral on Arrow Finl, Lowers Price Target to $28

Arrow Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported quarterly earnings of $0.38 per share which missed the analyst consensus estimate of $0.42 by 9.52 percent. This is a 15.56 percent decrease over earnings of $0.45 per share from the same period last year. The company reported quarterly sales of $39.20 million which missed the analyst consensus estimate of $39.26 million by 0.15 percent. This is a 14.24 percent increase over sales of $34.31 million the same period last year.

Earnings

Earnings Misses

Arrow Financial Q1 EPS $0.38 Misses $0.42 Estimate, Sales $39.20M Miss $39.26M Estimate

Once again this month Easy Income Portfolio proved its value as a safe haven during turbulent times. In spite of political and economic turmoil, our portfolio delivered a steady stem of consistent income and positive performance.
12 of 15 positions were higher during the month, and the average yield is 9.1%.
It was a very busy month indeed for the economy and markets.
Over the past month, the United States has witnessed a flurry of political and economic developments under President Donald Trump's administration, creating ripple effects across domestic and international markets. Policy shifts, trade tensions, and macroeconomic trends are setting the stage for a volatile but potentially opportunistic investment landscape. As always, when political and economic forces collide, sharp investors must separate the noise from the substance.
We had a temporary halt on the disbursement of various federal financial assistance programs. The freeze specifically targeted foreign aid, non-governmental organizations, diversity, equity, and inclusion (DEI) initiatives, and environmental projects tied to the Green New Deal. Essential programs, including Medicare and Social Security, were spared, but the impact of this abrupt action sent shockwaves through government agencies and non-profits dependent on federal support. As expected, the political backlash was immediate. Legal challenges mounted quickly, with federal judges blocking the freeze, citing potential constitutional violations. While the administration has signaled its intention to fight these rulings, the battle over federal spending is just getting started. Investors should watch how this plays out, as it could shape the fiscal policies of the next four years and impact sectors reliant on government contracts.
In a move reminiscent of his first term, President Trump announced steep tariffs on imports from Canada, Mexico, and China in late January. The new tariff schedule includes a 25% tax on most goods from Canada and Mexico, excluding crude oil and energy products, which will be taxed at 10%. A 10% tariff was also imposed on imports from China. These measures, set to take effect on February 4, have already provoked retaliatory action.
China has slapped new tariffs on American exports, including a 15% tax on coal and liquefied natural gas (Ticker: LNG), as well as a 10% tariff on crude oil, agricultural machinery, and large-engine vehicles. This escalation could weigh on sectors like industrials, agriculture, and energy, though it may also create buying opportunities for investors looking for undervalued plays in these industries.
The labor market added 143,000 jobs in January 2025, slightly below expectations. The unemployment rate ticked down to 4%, while average hourly wages rose 0.5% month-over-month and 4.1% year-over-year. Healthcare, retail, and government jobs led the way, while the mining sector saw declines.
However, economists are voicing concerns that Trump's policies—including tariffs and stricter immigration enforcement—may hinder future job growth and fuel inflation. Wage gains remain solid, which is good for consumers but presents challenges for businesses managing labor costs.
Inflation crept higher in January, with the Consumer Price Index (CPI) rising to 3%, up from December's 2.9%. Food and energy prices remain key contributors to rising costs. The increase has tempered market expectations for Federal Reserve rate cuts in 2025, though much will depend on how inflation trends over the coming months.
Tariffs, particularly those affecting steel, aluminum, and consumer goods, could push inflation even higher. Investors should monitor whether the Fed maintains its current 4.25%–4.50% interest rate target or adjusts its stance to combat inflationary pressures.
President Trump has placed an emphasis on reducing government spending and cutting the federal workforce. To spearhead this effort, he appointed Elon Musk to head the newly created &#8220;Department of Government Efficiency,&#8221; tasked with slashing $1 trillion from the budget. However, critics argue that the administration's push for additional tax cuts could exacerbate the national debt, which currently stands at $28.9 trillion (100% of GDP). Projections suggest debt levels could rise to 107% of GDP by 2027.
While reducing wasteful spending is a positive move, balancing this with tax cuts is a tricky equation. Investors should keep an eye on how these fiscal policies affect bond markets and interest rates.
In early January, Brent crude prices topped $80 per barrel due to tighter sanctions on Russian and Iranian oil exports and a severe cold snap in North America. However, by late January, prices pulled back, with Brent settling at $78.50 and WTI at $74.66. The shift came as the administration ramped up domestic production and pressured OPEC to keep prices in check.
The U.S. Energy Information Administration (EIA) has now revised its 2025 production forecast to 13.59 million barrels per day, highlighting expectations for increased domestic output. On the other hand, OPEC's output has declined for the second consecutive month, driven by lower Nigerian and Iranian exports.
U.S. natural gas prices have been swinging on fluctuating weather forecasts. An early January cold snap drove up demand and prices, but as temperatures moderated, prices softened. The EIA expects rising demand for LNG exports to keep prices elevated in 2025 and 2026, particularly as Europe and Asia seek alternatives to Russian gas.
January saw significant Treasury market volatility, with the 10-year yield peaking at 4.79% before closing the month at 4.54%. The uptick in inflation drove a sell-off in government debt, as investors recalibrated expectations for Fed policy.
Several&nbsp; of our positions include loans to small to mid-sized businesses here in the United States,
The Van Eck BDC Income ETF(Ticker: BIZD) and Blackstone Senior Loan ETF (Ticker: SRLN) are both comprised of entities that lend to this market.
Several companies in the Wisdom Tree Alternative Income Fund (Ticker: HYIN) lend to this market.
A resurgence in small and midsize businesses (SMBs) could be a significant catalyst for business development companies (BDCs). Several factors support this:
<ul>
<li>Reshoring and Manufacturing Growth: Supply chain disruptions have accelerated the shift back to domestic production, boosting demand for SMB financing. </li>
<li>Technology Leveling the Playing Field: AI, automation, and digital tools are helping SMBs compete against larger firms. </li>
<li>Private Credit Filling the Gap: BDCs are emerging as vital alternative lenders with banks tightening lending standards.</li>
</ul>
If SMBs thrive, BDCs benefit from increased loan originations, more substantial credit quality, and M&amp;A-driven liquidity events. Floating-rate loans remain a staple of BDC portfolios, making them attractive yield plays in the current environment.
Both Angel Oak Financial Strategies Income (Ticker: FINS) and Arrow Mark Financial (Ticker: AROW) should benefit from the positive economic impact this small business renaissance will have on the banking industry.
The day to the noise of the markets can make you crazy. If your primary goal is to collect income from your portfolio, or you prefer a more sedate approach to investing using reinvested income and dividends, the Easy Income Alternatives offers a low-stress alternative worth considering to help meet your long-term objectives.
It can also help preserve your sanity during times of economic, market, and political turbulence

Opinion

BIZD

Angel Oak Financial Strategies Income Term Trust Common Shares of Beneficial Interest

FINS

HYIN

SRLN

Easy Income Portfolio: February 2025 Update

Piper Sandler analyst Frank Schiraldi maintains Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) with a Neutral and lowers the price target from $32 to $30.

Piper Sandler Maintains Neutral on Arrow Finl, Lowers Price Target to $30

Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported its Q4 earnings results on Thursday, January 30, 2025 at 08:00 AM.
Here's what investors need to know about the announcement.
<h3>Earnings</h3>
Arrow Finl missed estimated earnings by -18.0%, reporting an EPS of $0.47 versus an estimate of $0.57.
Revenue was up $817 thousand from the same period last year.
<h3>Analysis of Past Earnings</h3>
During the previous quarter, the company beat on EPS by $0.17, leading to a 1.0% increase share price change the next day.
Here's a look at Arrow Finl's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.36</td>
<td>0.54</td>
<td>0.46</td>
<td>0.47</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.53</td>
<td>0.52</td>
<td>0.45</td>
<td>0.46</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>36.00M</td>
<td>34.68M</td>
<td>33.30M</td>
<td>35.01M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>36.57M</td>
<td>35.01M</td>
<td>34.31M</td>
<td>33.10M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Arrow Finl <a href="https://www.benzinga.com/quote/AROW/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Summary: Arrow Finl Q4

Arrow Financial Corporation (NasdaqGS&#xAE; - AROW) today announced that its subsidiary, Glens Falls National Bank and Trust Company has unified with its affiliate bank, Saratoga National Bank and Trust Company, and the resulting bank has legally changed its name to Arrow Bank National Association, or Arrow Bank.&nbsp;
&nbsp;
This strategic unification simplifies the bank's brand identity, strengthens its market presence and better positions the bank for future growth while maintaining the same local, personalized service that's been its hallmark. Behind Arrow Bank's new name are the same great people and the same trusted services its customers have come to know and expect. The leadership team will remain unchanged, ensuring stability and continuity. Customers can continue to use all the same bank branch locations, and staffing will not be affected. Arrow Bank will start rolling out new branding in January, including updates to bank signage and other materials.

Arrow Financial Unites Subsidiaries Under Arrow Bank Name for Stronger Market Presence

Piper Sandler analyst Frank Schiraldi assumes Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) with a Neutral rating and announces Price Target of $32.

Initiation

Piper Sandler Assumes Arrow Finl at Neutral, Announces Price Target of $32

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Shares of banking-related companies are trading higher after Donald Trump won the US presidential election.

Arrow Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported quarterly earnings of $0.53 per share which met the analyst consensus estimate. This is a 15.22 percent increase over earnings of $0.46 per share from the same period last year.

Arrow Financial Q3 EPS $0.53, Inline

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Shares of banking companies are trading higher amid overall market strength following Fed Chair Powell's comments about the economy and future rate cuts.

Arrow Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported quarterly earnings of $0.52 per share which missed the analyst consensus estimate of $0.54 by 3.7 percent. This is a 48.57 percent increase over earnings of $0.35 per share from the same period last year.

Arrow Financial Q2 EPS $0.52 Misses $0.54 Estimate

The Board of Directors (the "Board") of Arrow Financial Corporation (the "Company" or "Arrow") (NasdaqGS&#xAE; - AROW) is pleased to announce that it has unanimously voted to appoint Tenée R. Casaccio as the new Chair of the Arrow Board of Directors, effective June 5, 2024. This appointment by the Board of Directors follows the retirement of the former Board Chair, William L. Owens, Esq., upon the mandatory retirement age of directors as stipulated in the Company's bylaws. &nbsp;

Management

Arrow Appoints Tenée R. Casaccio Chair Of Board Of Directors, Effective June 5, 2024

Arrow Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported quarterly earnings of $0.45 per share. This is a 10 percent decrease over earnings of $0.50 per share from the same period last year.

Arrow Financial Q1 EPS $0.45 Down From $0.50 YoY

Arrow Financial Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) has entered into a definitive agreement with Berkshire Bank, a subsidiary of Berkshire Hills Bancorp, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BHLB#NYSE">BHLB</a>).
Under the deal, Arrow Financial&#8217;s bank subsidiary, Glens Falls National Bank, will acquire the <a href="https://www.benzinga.com/pressreleases/24/03/n37469362/arrow-announces-acquisition-of-whitehall-n-y-branch">branch office at 184 Broadway, Whitehall, New York.</a>
Berkshire Bank has entered into definitive agreements with three buyers to sell 10 of its upstate and eastern New York branches, consisting of eight offices in Albany, Saratoga, Schenectady and Columbia counties, one office in&nbsp;<a target="_blank" href="https://www.benzinga.com/pressreleases/24/03/n37468833/berkshire-hills-bancorp-to-sell-select-upstate-and-eastern-new-york-branches" rel="noreferrer noopener">Whitehall and one office in East Syracuse.&nbsp;</a>
The sale lowers Berkshire Hills&#8217; overall branch footprint from 96 to 86 locations.
All employees associated with the Whitehall branch will be offered employment with the Arrow Family of Companies.&nbsp;
The sale is targeted for completion by the end of the third quarter of 2024.&nbsp;
Following the anticipated completion of the sale, Glens Falls National Bank will operate a total of nine branches in Washington County.
&#8220;This strategic move marks a milestone in our growth and underscores our commitment to expanding our market presence..,&#8221; said Dave DeMarco, President and CEO of Arrow Financial Corporation and Glens Falls National Bank.&nbsp;
Price Action: BHLB shares closed lower by 2.65% to $20.92 on Monday, and AROW shares closed lower by 0.50% to $23.84.
Image sourced from Shutterstock

Equities

Asset Sales

Markets

General

Arrow Financial Acquires Berkshire Bank Branch In Whitehall, New York

Following the anticipated completion of the sale, Glens Falls National Bank will operate a total of nine branches in&nbsp;Washington County.&nbsp;The&nbsp;Whitehall&nbsp;branch includes deposit accounts with an aggregate approximate balance of&nbsp;$39 million&nbsp;and loans with an aggregate approximate balance of&nbsp;$3 million.&nbsp;

Arrow Financial Subsidiary Glens Falls National Bank To Acquire The Branch Office At 184 Broadway, Whitehall, New York

Guidance

Arrow Electronics Expects First-Quarter 2024 Sales Of $6.70B-$7.30B, Adjusted EPS Expected Between $2.20-$2.40, Company Expects Changes In Foreign Currencies To Increase Sales By Approximately $13M

Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) reported its Q4 earnings results on Thursday, February 1, 2024 at 07:50 AM.
Here's what investors need to know about the announcement.
<h3>Earnings</h3>
Arrow Finl missed estimated earnings by 2.13%, reporting an EPS of $0.46 versus an estimate of $0.47.
Revenue was down $4.65 million from the same period last year.
<h3>Past Earnings Performance</h3>
Last quarter the company beat on EPS by $0.13 which was followed by a 9.57% increase in the share price the next day.
Here's a look at Arrow Finl's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2023</th>
<th>Q2 2023</th>
<th>Q1 2023</th>
<th>Q4 2022</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.33</td>
<td>0.71</td>
<td>0.64</td>
<td>0.78</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.46</td>
<td>0.35</td>
<td>0.50</td>
<td>0.71</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>32.59M</td>
<td>37.75M</td>
<td>36.20M</td>
<td>39.09M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>33.40M</td>
<td>32.68M</td>
<td>34.77M</td>
<td>37.74M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Arrow Finl <a href="https://www.benzinga.com/quote/AROW/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Arrow Finl: Q4 Earnings Insights

Arrow Financial Q4 GAAP EPS Of $0.46 Lower Than $0.71 YoY, Total Cash And Cash Equivalents Were $142.5 Million At December 31

Hovde Group analyst Nick Cucharale initiates coverage on Arrow Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AROW#NASDAQ">AROW</a>) with a Market Perform rating.

Hovde Group Initiates Coverage On Arrow Finl with Market Perform Rating

Arrow Financial Corp Executed A Balance Sheet Repositioning Of Its Available-For-Sale Securities Portfolio; Sold About $100M Of Lower-Yielding Securities, Resulting In About Pre-Tax Loss Of $9.2M

Press Releases

Arrow Completes Acquisition of Whitehall, N.Y. Branch

Pomerantz LLP Announces Proposed Class Action Settlement on Behalf of Purchasers of Securities of Arrow Financial Corporation - AROW

Dividends

Arrow Declares October 2024 Cash Dividend

Arrow Named to Piper Sandler Sm-All Stars: Class of 2024

Arrow Reports 3rd Quarter Net Income of $9.0 Million, or $0.53 per Share

Arrow's Banks Join Allpoint ATM Network, Expanding Access to More Than 50,000 ATMs Worldwide

Arrow Financial Corporation Appoints Four New Board Members

Arrow Financial Unifies Banking Subsidiaries and Rebrands as Arrow Bank

Arrow Reports 4th Quarter Net Income of $4.5 Million or $0.27 per Share and $29.7 Million or $1.77 per Share for 2024. Declares first quarter dividend of $0.28 per share.

Arrow Reports 1st Quarter Net Income of $6.3 Million, or $0.38 per Share, and Declares 2nd Quarter Dividend of $0.28 per Share

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