AROW (Arrow Financial) Moat Score: 5/10 (As of Jun. 30, 2026)


AROW Arrow Financial Corp AROW
69 GF Score
Price $41.02
GF Value $35.64
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Arrow Financial Moat Score?

Arrow Financial AROW -0.36% 69 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $35.64 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Arrow Financial ranks better than 94.05% on this metric.

Arrow Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Arrow Financial has Narrow Moat: Arrow Financial has a solid narrow moat due to its strong brand and customer loyalty in regional banking. It benefits from regulatory barriers and economies of scale. However, it faces competition and lacks significant customer switching costs or unique intellectual property, limiting its moat to narrow.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Arrow Financial might have Narrow Moat - Solid narrow moat.

Arrow Financial  (NAS:AROW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Arrow Financial Moat Score Related Terms

AROW vs TCBX, HIFS, PFIS: Moat Score Comparison

For the Banks - Regional subindustry, Arrow Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Arrow Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Arrow Financial's Moat Score falls into.


AROW
69GF Score
Arrow Financial Corp AROW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Arrow Financial (AROW) has a Moat Score of 5 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Arrow Financial ranks #96 out of 1613 companies in the Banks industry, placing it in the top 6%.
Is Arrow Financial's Moat Score too high?
Arrow Financial's current Moat Score is 5. Based on the distribution chart, Arrow Financial ranks #96 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to TCBX and HIFS?
According to the Banks industry distribution chart, Arrow Financial ranks #96 out of 1613 companies for Moat Score. This places Arrow Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Arrow Financial's current Moat Score is 5. 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 $35.64, compared to a current price of $41.02 — trading 15.1% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Arrow Financial (AROW), the current Moat Score is 5 as of Jun. 30, 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 $41.02 is trading 15.1% above its estimated GF Value™ of $35.64. GuruFocus considers Arrow Financial to be Modestly Overvalued.

Key valuation signals for AROW:

  • Moat Score: 5
  • GF Value™: $35.64 vs. price of $41.02 (15.1% 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.02
Price
$35.64
GF Value