AROW (Arrow Financial) EPS (Basic): $3.09 (TTM As of Mar. 2026)


AROW Arrow Financial Corp AROW
69 GF Score
Price $40.39
GF Value $35.58
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Arrow Financial EPS (Basic)?

Arrow Financial AROW +0.87% 69 EPS (Basic) is $3.09 as of Mar. 2026. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $35.58 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Arrow Financial's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.82. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.09.

Arrow Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $0.82. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.09.

Arrow Financial's EPS without NRI for the three months ended in Mar. 2026 was $0.82. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 3.09.

During the past 12 months, Arrow Financial's average EPS without NRIGrowth Rate was 81.80% per year. During the past 3 years, the average EPS without NRI Growth Rate was -2.50% per year. During the past 5 years, the average EPS without NRI Growth Rate was -4.00% per year. During the past 10 years, the average EPS without NRI Growth Rate was 3.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Arrow Financial's highest 3-Year average EPS without NRI Growth Rate was 117.70% per year. The lowest was -33.30% per year. And the median was 6.30% per year.

Arrow Financial  (NAS:AROW) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Arrow Financial EPS (Basic) Related Terms

Arrow Financial EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Arrow Financial's EPS (Basic) 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.

Arrow Financial EPS (Basic) Chart

Arrow Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.93 2.86 1.77 1.77 2.65

Arrow Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.38 0.65 0.77 0.85 0.82
AROW
69GF Score
Arrow Financial Corp AROW
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arrow Financial EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Arrow Financial's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(43.953-0)/16.503
=2.66

Arrow Financial's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(13.485-0)/16.382
=0.82

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.09

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $3.09 mean?
Arrow Financial (AROW) has a EPS (Basic) of $3.09 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Arrow Financial and its competitors.
Is Arrow Financial's EPS (Basic) too high?
Arrow Financial's current EPS (Basic) is $3.09. Overall, Arrow Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arrow Financial's EPS (Basic) compare to CARE and BCAL?
Arrow Financial's EPS (Basic) of $3.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Arrow Financial and its competitors. Arrow Financial's current EPS (Basic) is $3.09. 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 Modestly Overvalued. The stock's GF Value™ is $35.58, compared to a current price of $40.39 — trading 13.5% above its estimated fair value. The current EPS (Basic) is $3.09. Arrow Financial's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Arrow Financial (AROW), the current EPS (Basic) is $3.09 as of Mar. 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 $40.39 is trading 13.5% above its estimated GF Value™ of $35.58. GuruFocus considers Arrow Financial to be Modestly Overvalued.

Key valuation signals for AROW:

  • EPS (Basic): $3.09
  • GF Value™: $35.58 vs. price of $40.39 (13.5% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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 Business Description

Address 250 Glen Street, Glens Falls, NY, USA, 12801
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.
69GF Score

Get the complete analysis for AROW

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.39
Price
$35.58
GF Value