Arrow Financial Corporation
AROW
Rank in Stocks
#10229
Arrow Financial Corporation functions as a bank holding company, delivering a... 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.
Share Price
$39.11
Last synced: 2026-11-09
Market Cap
$724.91M
Change (1 day)
1.66%
Change (1 year)
26.24%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for Arrow Financial Corporation (AROW)
Operating Margin as of November 2026 TTM: 8.66%
According to Arrow Financial Corporation's latest financial reports, its current operating margin (TTM) is 8.66%. At the end of 2025 the company had an operating margin of 22.83%.
Operating Margin history for Arrow Financial Corporation from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 8.66% | -62.07% |
| 2025 | 22.83% | 36.30% |
| 2024 | 16.75% | -14.41% |
| 2023 | 19.57% | -50.06% |
| 2022 | 39.19% | -9.99% |
| 2021 | 43.54% | 21.35% |
| 2020 | 35.88% | 5.44% |
| 2019 | 34.03% | -5.76% |
| 2018 | 36.11% | 1.75% |
| 2017 | 35.49% | -1.53% |
| 2016 | 36.04% | 1.01% |
| 2015 | 35.68% | 1.28% |
| 2014 | 35.23% | 5.20% |
| 2013 | 33.49% | 1.48% |
| 2012 | 33.00% | 7.11% |
| 2011 | 30.81% | 1.32% |
| 2010 | 30.41% | 0.00% |
| 2009 | 30.41% | 10.94% |
| 2008 | 27.41% | 16.79% |
| 2007 | 23.47% | -49.82% |
| 2006 | 46.77% | 52.30% |
| 2005 | 30.71% | -11.83% |
| 2004 | 34.83% | 5.13% |
| 2003 | 33.13% | 3.53% |
| 2002 | 32.00% | 24.37% |
| 2001 | 25.73% | 13.85% |
| 2000 | 22.60% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -93.73% |
CN
|
|
| 57.52% | -93.36% |
IT
|
|
| 21.82% | -97.48% |
IN
|
|
| 26.74% | -96.91% |
IN
|
|
| 20.55% | -97.63% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Arrow Financial Corporation's operating margin
What is Arrow Financial Corporation's operating margin?
Arrow Financial Corporation's operating margin is 8.66%, as of Nov 2026.
What was Arrow Financial Corporation's operating margin in 2025?
In 2025, Arrow Financial Corporation's operating margin was 22.83%, compared with 16.75% in 2024.
How has Arrow Financial Corporation's operating margin changed since 2020?
From 2020 to 2025, Arrow Financial Corporation's operating margin was highest in 2021 (43.54%) and lowest in 2024 (16.75%).
How does Arrow Financial Corporation's operating margin compare with similar companies?
Arrow Financial Corporation's operating margin (8.66%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.