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Arrow FinancialAROW -1.43%68 Debt-to-Equity is 0.75 as of Jun. 2026, which is 226% above its 10-year median of 0.23. GuruFocus rates AROW with a GF Score™ of 68/100 and a GF Value™ of $35.81 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, Arrow Financial ranks worse than 58.69% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Arrow Financial's Debt-to-Equity or its related term are showing as below:
AROW'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.23 Max: 1.11
Current: 0.75
During the past 13 years, the highest Debt-to-Equity Ratio of Arrow Financial was 1.11. The lowest was 0.07. And the median was 0.23.
AROW's Debt-to-Equity is ranked worse than 58.69% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs AROW: 0.75
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Arrow Financial Debt-to-Equity Related Terms
Arrow Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Arrow Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AROW vs BHB, RRBI, AMBZ: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Arrow Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Arrow Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Arrow Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Arrow Financial (AROW) has a Debt-to-Equity of 0.75 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Arrow Financial and its competitors. This is 226% above median its historical median of 0.23. Over the past decade, Arrow Financial's Debt-to-Equity has ranged from 0.07 to 1.11. According to the industry distribution chart, Arrow Financial ranks #834 out of 1421 companies in the Banks industry, placing it in the top 58.7%.
Is Arrow Financial's Debt-to-Equity too high?
Arrow Financial's current Debt-to-Equity of 0.75 is 226% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 1.11. The Banks industry median Debt-to-Equity is 0.58. Arrow Financial's value of 0.75 is 29.3% above this industry median. Based on the distribution chart, Arrow Financial ranks #834 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Arrow Financial has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arrow Financial's Debt-to-Equity compare to BHB and RRBI?
According to the Banks industry distribution chart, Arrow Financial ranks #834 out of 1421 companies for Debt-to-Equity. This places Arrow Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Arrow Financial's value of 0.75 is 29.3% above this benchmark. Historically, Arrow Financial's own Debt-to-Equity has ranged from 0.07 to 1.11 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.58, Arrow Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current Debt-to-Equity of 0.75 is 29.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Arrow Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current Debt-to-Equity is 0.75, which is 226% above median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arrow Financial stock overvalued right now?
Based on GuruFocus' analysis, Arrow Financial (AROW) is currently considered Fairly Valued. The stock's GF Value™ is $35.81, compared to a current price of $39.39 — trading 10% above its estimated fair value. The current Debt-to-Equity is 0.75, which is 226% above median its 10-year median of 0.23 and 29.3% above the Banks industry median of 0.58. Arrow Financial's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Arrow Financial (AROW), the current Debt-to-Equity is 0.75 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Arrow Financial (AROW) Overvalued in 2026?
Based on GuruFocus' analysis, Arrow Financial stock appears to be overvalued.
The current stock price of $39.39 is trading 10% above its estimated GF Value™ of $35.81.
GuruFocus considers Arrow Financial to be Fairly Valued.
Key valuation signals for AROW:
Debt-to-Equity: 0.75 (226% above median its 10-year median of 0.23)
GF Value™: $35.81 vs. price of $39.39 (10% above fair value)
Industry Position: 29.3% above the Banks median (#834 of 1421)
No single metric tells the full story. See the AROW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 the company's revenue is interest income, fees, commission earned through its subsidiaries.
68GF Score
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