AROW (Arrow Financial) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Arrow Financial LT-Debt-to-Total-Asset?

Arrow Financial AROW +2.56% 69 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $35.77 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Arrow Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Arrow Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.01) to Mar. 2026 (0.01). It may suggest that Arrow Financial is progressively becoming less dependent on debt to grow their business.

Arrow Financial (NAS:AROW) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Arrow Financial LT-Debt-to-Total-Asset Related Terms

Arrow Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Arrow Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Arrow Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.01

Arrow Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.01	0.01

69GF Score

Arrow Financial Corp AROW

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Arrow Financial LT-Debt-to-Total-Asset Calculation

Arrow Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	29.194	/	4445.862
	=	0.01

Arrow Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	29.173	/	4522.019
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Arrow Financial (AROW) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Arrow Financial and its competitors.

Is Arrow Financial's LT-Debt-to-Total-Asset too high?

Arrow Financial's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to TCBX and HIFS?

Arrow Financial's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Arrow Financial and its competitors. Arrow Financial's current LT-Debt-to-Total-Asset is 0.01. 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 $35.77, compared to a current price of $42.07 — trading 17.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Arrow Financial (AROW), the current LT-Debt-to-Total-Asset is 0.01 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 $42.07 is trading 17.6% above its estimated GF Value™ of $35.77. GuruFocus considers Arrow Financial to be Modestly Overvalued.

Key valuation signals for AROW:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $35.77 vs. price of $42.07 (17.6% 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

Industry Financial Services Banks

Comparable Companies TCBX HIFS PFIS BCAL THVB BHB NPB WASH AMBZ MSBI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 250 Glen Street, Glens Falls, NY, USA, 12801

Website https://www.arrowfinancial.com

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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.07

Price

$35.77

GF Value

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