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Arrow Financial Valuation Multiples
Discover revenue and EBITDA valuation multiples for Arrow Financial and similar public comparables like MyState, Bank of Jerusalem, Peoples Financial Services, Northfield Bancorp and more.
Arrow Financial Overview
About Arrow Financial
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.
Founded
1983
HQ
Employees
554
Website
Sectors
Financials (LTM)
EV
$582M
Arrow Financial Financials
Arrow Financial reported last 12-month revenue of $173M.
In the same LTM period, Arrow Financial generated $44M in net income.
Revenue (LTM)
Arrow Financial P&L
In the most recent fiscal year, Arrow Financial reported revenue of $140M and net income of $30M.
Arrow Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $173M | XXX | $140M | XXX | XXX | XXX |
| EBIT Margin | 40% | XXX | — | XXX | XXX | XXX |
| Net Profit | $44M | XXX | $30M | XXX | XXX | XXX |
| Net Margin | 25% | XXX | 21% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Arrow Financial Stock Performance
Arrow Financial has current market cap of $553M, and enterprise value of $582M.
Market Cap Evolution
Arrow Financial's stock price is $33.62.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $582M | $553M | 0.0% | XXX | XXX | XXX | $1.81 |
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Start Free TrialArrow Financial Valuation Multiples
Arrow Financial trades at 3.4x EV/Revenue multiple.
EV / Revenue (LTM)
Arrow Financial Financial Valuation Multiples
As of March 7, 2026, Arrow Financial has market cap of $553M and EV of $582M.
Equity research analysts estimate Arrow Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Arrow Financial has a P/E ratio of 12.6x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $553M | XXX | $553M | XXX | XXX | XXX |
| EV (current) | $582M | XXX | $582M | XXX | XXX | XXX |
| EV/Revenue | 3.4x | XXX | 4.2x | XXX | XXX | XXX |
| EV/EBIT | 8.5x | XXX | — | XXX | XXX | XXX |
| P/E | 12.6x | XXX | 18.6x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 20.2x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Arrow Financial Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Arrow Financial Margins & Growth Rates
Arrow Financial's revenue in the last 12 month grew by 24%.
Arrow Financial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
Arrow Financial Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 24% | XXX | 18% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 40% | XXX | XXX | XXX |
| Opex to Revenue | 60% | XXX | — | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Arrow Financial Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| MyState | XXX | XXX | XXX | XXX | XXX | XXX |
| Bank of Jerusalem | XXX | XXX | XXX | XXX | XXX | XXX |
| Peoples Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| Northfield Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| ProCredit Holding | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Arrow Financial M&A Activity
Arrow Financial acquired XXX companies to date.
Last acquisition by Arrow Financial was on XXXXXXXX, XXXXX. Arrow Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Arrow Financial
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialArrow Financial Investment Activity
Arrow Financial invested in XXX companies to date.
Arrow Financial made its latest investment on XXXXXXXX, XXXXX. Arrow Financial invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Arrow Financial
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Arrow Financial
| When was Arrow Financial founded? | Arrow Financial was founded in 1983. |
| Where is Arrow Financial headquartered? | Arrow Financial is headquartered in United States. |
| How many employees does Arrow Financial have? | As of today, Arrow Financial has over 554 employees. |
| Who is the CEO of Arrow Financial? | Arrow Financial's CEO is David S. Demarco. |
| Is Arrow Financial publicly listed? | Yes, Arrow Financial is a public company listed on Nasdaq. |
| What is the stock symbol of Arrow Financial? | Arrow Financial trades under AROW ticker. |
| When did Arrow Financial go public? | Arrow Financial went public in 1980. |
| Who are competitors of Arrow Financial? | Arrow Financial main competitors are MyState, Bank of Jerusalem, Peoples Financial Services, Northfield Bancorp. |
| What is the current market cap of Arrow Financial? | Arrow Financial's current market cap is $553M. |
| What is the current revenue of Arrow Financial? | Arrow Financial's last 12 months revenue is $173M. |
| What is the current revenue growth of Arrow Financial? | Arrow Financial revenue growth (NTM/LTM) is 24%. |
| What is the current EV/Revenue multiple of Arrow Financial? | Current revenue multiple of Arrow Financial is 3.4x. |
| Is Arrow Financial profitable? | Yes, Arrow Financial is net-income-positive (as of the last 12 months). |
| What is the current net income of Arrow Financial? | Arrow Financial's last 12 months net income is $44M. |
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