Arrow Financial (AROW) ROE: History & Chart

Arrow Financial Corporation(AROW)

Banks - Regional · Glens Falls, NY

$37.34-0.04 (-0.11%)

Delayed quote: Oct 6, 2026, 10:42 AM EDT

About Arrow Financial Corporation

Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.

Glens Falls, NY

578 employees

www.arrowfinancial.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: David S. DeMarco

View full financials

AROW Return on Equity (ROE) Metrics

RETURN ON EQUITY (ROE)

11.49%

RETURN ON EQUITY (ROE) AVG TTM

9.80%

RETURN ON EQUITY (ROE) AVG 3Y

8.93%

RETURN ON EQUITY (ROE) AVG 5Y

10.72%

RETURN ON EQUITY (ROE) AVG 10Y

11.55%

RETURN ON EQUITY (ROE) AVG 15Y

12.23%

RETURN ON EQUITY (ROE) AVG 20Y

12.71%

CURRENT VS TTM AVG

+17.25%

CURRENT VS 3Y AVG

+28.73%

CURRENT VS 5Y AVG

+7.23%

CURRENT VS 10Y AVG

-0.49%

CURRENT VS 15Y AVG

-6.04%

CURRENT VS 20Y AVG

-9.62%

SECTOR MEDIAN · FINANCIAL SERVICES

9.36%

median of 480 covered companies

CURRENT VS SECTOR MEDIAN

+22.77%

vs the sector median at left

NAME	MARKET CAP	RETURN ON EQUITY (ROE)	TTM	3Y	5Y
Arrow Financial Corporation (AROW)	$617.19M	11.49%	9.80%	8.93%	10.72%
Gladstone Investment Corp. (GAIN)vs ›	$617.44M	25.53%	20.37%	16.53%	16.70%
Hingham Institution for Savings (HIFS)vs ›	$619.38M	13.07%	8.95%	8.52%	11.74%
American Bitcoin Corp (ABTC)vs ›	$624.90M	-29.00%	9.63%	-1180.61%	-805.61%
Coastal Financial Corporation (CCB)vs ›	$628.99M	-0.83%	9.94%	12.92%	12.65%
Hypoport SE (HYPOF)vs ›	$630.67M	7.58%	5.21%	5.83%	7.95%
Forward Industries, Inc. (FWDI)vs ›	$604.41M	-232.31%	-38.55%	-60.48%	-43.64%
Chaince Digital Holdings Inc. (CD)vs ›	$599.01M	N/A	-15.20%	-29.09%	-64.23%
BlackRock Multi-Sector Income Trust (BIT)vs ›	$635.96M	6.96%	7.56%	6.50%	3.41%
First Business Financial Services, Inc. (FBIZ)vs ›	$595.05M	14.04%	13.50%	13.87%	13.18%

NAME

MARKET CAP

RETURN ON EQUITY (ROE)

TTM

Arrow Financial Corporation (AROW)

$617.19M

11.49%

9.80%

8.93%

10.72%

Gladstone Investment Corp. (GAIN)vs ›

$617.44M

25.53%

20.37%

16.53%

16.70%

Hingham Institution for Savings (HIFS)vs ›

$619.38M

13.07%

8.95%

8.52%

11.74%

American Bitcoin Corp (ABTC)vs ›

$624.90M

-29.00%

9.63%

-1180.61%

-805.61%

Coastal Financial Corporation (CCB)vs ›

$628.99M

-0.83%

9.94%

12.92%

12.65%

Hypoport SE (HYPOF)vs ›

$630.67M

7.58%

5.21%

5.83%

7.95%

Forward Industries, Inc. (FWDI)vs ›

$604.41M

-232.31%

-38.55%

-60.48%

-43.64%

Chaince Digital Holdings Inc. (CD)vs ›

$599.01M

N/A

-15.20%

-29.09%

-64.23%

BlackRock Multi-Sector Income Trust (BIT)vs ›

$635.96M

6.96%

7.56%

6.50%

3.41%

First Business Financial Services, Inc. (FBIZ)vs ›

$595.05M

14.04%

13.50%

13.87%

13.18%

Return on Equity (ROE) FAQ

What is the return on equity (ROE) for Arrow Financial Corporation (AROW)?

The return on equity (ROE) for AROW stock is 11.49%.

Is Arrow Financial Corporation's return on equity (ROE) high or low?

The return on equity (ROE) of 11.49% is in line with its 5-year average of 10.72%, around the middle of its 5-year range (7.01%–14.45%).

What is the TTM average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The TTM average return on equity (ROE) for AROW stock is 9.80%.

What is the 3Y average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The 3Y average return on equity (ROE) for AROW stock is 8.93%.

What is the 5Y average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The 5Y average return on equity (ROE) for AROW stock is 10.72%.

What is the 10Y average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The 10Y average return on equity (ROE) for AROW stock is 11.55%.

What is the 15Y average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The 15Y average return on equity (ROE) for AROW stock is 12.23%.

What is the 20Y average return on equity (ROE) for Arrow Financial Corporation (AROW)?

The 20Y average return on equity (ROE) for AROW stock is 12.71%.

DATE	RETURN ON EQUITY (ROE)
2026-06-30	11.49%
2026-03-31	11.62%
2025-12-31	10.18%
2025-09-30	8.24%
2025-06-30	7.48%
2025-03-31	7.01%
2024-12-31	7.41%
2024-09-30	8.38%
2024-06-30	8.28%
2024-03-31	7.72%
2023-12-31	7.92%
2023-09-30	9.57%
2023-06-30	10.75%
2023-03-31	12.33%
2022-12-31	13.80%
2022-09-30	13.61%
2022-06-30	13.42%
2022-03-31	13.76%
2021-12-31	13.43%
2021-09-30	14.45%
2021-06-30	14.19%
2021-03-31	13.43%
2020-12-31	12.21%
2020-09-30	11.69%
2020-06-30	11.68%
2020-03-31	11.92%
2019-12-31	12.42%
2019-09-30	12.49%
2019-06-30	12.54%
2019-03-31	13.19%
2018-12-31	13.46%
2018-09-30	13.44%
2018-06-30	13.01%
2018-03-31	12.36%
2017-12-31	11.75%
2017-09-30	11.39%
2017-06-30	11.29%
2017-03-31	11.27%
2016-12-31	11.40%
2016-09-30	11.56%
2016-06-30	11.40%
2016-03-31	11.49%
2015-12-31	11.53%
2015-09-30	11.59%
2015-06-30	11.92%
2015-03-31	11.66%
2014-12-31	11.63%
2014-09-30	11.38%
2014-06-30	11.26%
2014-03-31	11.28%
2013-12-31	11.34%
2013-09-30	11.80%
2013-06-30	12.21%
2013-03-31	12.41%
2012-12-31	12.61%
2012-09-30	12.51%
2012-06-30	12.61%
2012-03-31	13.02%
2011-12-31	13.18%
2011-09-30	12.86%
2011-06-30	13.38%
2011-03-31	13.67%
2010-12-31	14.38%
2010-09-30	14.22%
2010-06-30	13.95%
2010-03-31	14.08%
2009-12-31	15.48%
2009-09-30	15.57%
2009-06-30	16.07%
2009-03-31	16.70%
2008-12-31	16.25%
2008-09-30	15.87%
2008-06-30	15.64%
2008-03-31	14.31%
2007-12-31	14.18%
2007-09-30	14.42%
2007-06-30	14.58%
2007-03-31	14.33%
2006-12-31	14.30%
2006-09-30	14.48%
2006-06-30	15.57%
2006-03-31	15.67%
2005-12-31	15.87%
2005-09-30	16.29%
2005-06-30	16.14%
2005-03-31	16.45%
2004-12-31	16.50%
2004-09-30	17.07%
2004-06-30	17.48%
2004-03-31	17.04%
2003-12-31	17.87%
2003-09-30	18.16%
2003-06-30	18.35%

DATE

RETURN ON EQUITY (ROE)

2026-06-30

11.49%

2026-03-31

11.62%

2025-12-31

10.18%

2025-09-30

8.24%

2025-06-30

7.48%

2025-03-31

7.01%

2024-12-31

7.41%

2024-09-30

8.38%

2024-06-30

8.28%

2024-03-31

7.72%

2023-12-31

7.92%

2023-09-30

9.57%

2023-06-30

10.75%

2023-03-31

12.33%

2022-12-31

13.80%

2022-09-30

13.61%

2022-06-30

13.42%

2022-03-31

13.76%

2021-12-31

13.43%

2021-09-30

14.45%

2021-06-30

14.19%

2021-03-31

13.43%

2020-12-31

12.21%

2020-09-30

11.69%

2020-06-30

11.68%

2020-03-31

11.92%

2019-12-31

12.42%

2019-09-30

12.49%

2019-06-30

12.54%

2019-03-31

13.19%

2018-12-31

13.46%

2018-09-30

13.44%

2018-06-30

13.01%

2018-03-31

12.36%

2017-12-31

11.75%

2017-09-30

11.39%

2017-06-30

11.29%

2017-03-31

11.27%

2016-12-31

11.40%

2016-09-30

11.56%

2016-06-30

11.40%

2016-03-31

11.49%

2015-12-31

11.53%

2015-09-30

11.59%

2015-06-30

11.92%

2015-03-31

11.66%

2014-12-31

11.63%

2014-09-30

11.38%

2014-06-30

11.26%

2014-03-31

11.28%

2013-12-31

11.34%

2013-09-30

11.80%

2013-06-30

12.21%

2013-03-31

12.41%

2012-12-31

12.61%

2012-09-30

12.51%

2012-06-30

12.61%

2012-03-31

13.02%

2011-12-31

13.18%

2011-09-30

12.86%

2011-06-30

13.38%

2011-03-31

13.67%

2010-12-31

14.38%

2010-09-30

14.22%

2010-06-30

13.95%

2010-03-31

14.08%

2009-12-31

15.48%

2009-09-30

15.57%

2009-06-30

16.07%

2009-03-31

16.70%

2008-12-31

16.25%

2008-09-30

15.87%

2008-06-30

15.64%

2008-03-31

14.31%

2007-12-31

14.18%

2007-09-30

14.42%

2007-06-30

14.58%

2007-03-31

14.33%

2006-12-31

14.30%

2006-09-30

14.48%

2006-06-30

15.57%

2006-03-31

15.67%

2005-12-31

15.87%

2005-09-30

16.29%

2005-06-30

16.14%

2005-03-31

16.45%

2004-12-31

16.50%

2004-09-30

17.07%

2004-06-30

17.48%

2004-03-31

17.04%

2003-12-31

17.87%

2003-09-30

18.16%

2003-06-30

18.35%

Return on Equity (ROE): 11.49%

AROW Return on Equity (ROE)

AROW Average Return on Equity (ROE) Chart

AROW Current vs Average Return on Equity (ROE) Chart

AROW Return on Equity (ROE) Metrics

AROW Competitors' Return on Equity (ROE)

Return Analysis

Return on Equity (ROE) Formula & Definition

Return on Equity (ROE) FAQ

AROW Return on Equity (ROE) History

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