Arrow FinancialAROW +0.87%69 Net Margin % is 30.13% as of Mar. 2026, which is 2% above its 10-year median of 29.41. 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. Among 1,526 Banks companies, Arrow Financial ranks better than 60.09% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Arrow Financial's Net Income for the
three
months ended in Mar. 2026 was $13.5 Mil. Arrow Financial's Revenue for the
three
months ended in Mar. 2026 was $44.8 Mil. Therefore, Arrow Financial's net margin for the quarter that ended in Mar. 2026 was 30.13%.
The historical rank and industry rank for Arrow Financial's Net Margin % or its related term are showing as below:
AROW'
s Net Margin % Range Over the Past 10 Years
Min: 21.25 Med: 29.41 Max: 34.93
Current: 29.87
AROW's Net Margin % is ranked better than 60.09% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs AROW: 29.87
Arrow Financial (NAS:AROW) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Arrow Financial Net Margin % Related Terms
Arrow Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Arrow Financial's Net Margin % 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.
For the Banks - Regional subindustry, Arrow Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Arrow Financial's Net Margin % 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 Net Margin % of 30.13% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Arrow Financial and its competitors. This is near median its historical median of 29.41. Over the past decade, Arrow Financial's Net Margin % has ranged from 21.25 to 34.93. According to the industry distribution chart, Arrow Financial ranks #609 out of 1526 companies in the Banks industry, placing it in the top 39.9%.
Is Arrow Financial's Net Margin % too high?
Arrow Financial's current Net Margin % of 30.13% is near median its 10-year median of 29.41. Over the past 10 years, this metric has ranged from a low of 21.25 to a high of 34.93. The Banks industry median Net Margin % is 26.97. Arrow Financial's value of 30.13% is 11.7% above this industry median. Based on the distribution chart, Arrow Financial ranks #609 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to CARE and BCAL?
According to the Banks industry distribution chart, Arrow Financial ranks #609 out of 1526 companies for Net Margin %. This puts Arrow Financial in the upper half of its industry. The industry median Net Margin % is 26.97. Arrow Financial's value of 30.13% is 11.7% above this benchmark. Historically, Arrow Financial's own Net Margin % has ranged from 21.25 to 34.93 over the past decade. While the company's 10-year median is 29.41 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current Net Margin % of 30.13% is 11.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Arrow Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current Net Margin % is 30.13%, which is near median its own 10-year median of 29.41. 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 Net Margin % is 30.13%, which is near median its 10-year median of 29.41 and 11.7% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Arrow Financial (AROW), the current Net Margin % is 30.13% 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:
Net Margin %: 30.13% (near median its 10-year median of 29.41)
GF Value™: $35.58 vs. price of $40.39 (13.5% above fair value)
Industry Position: 11.7% above the Banks median (#609 of 1526)
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.
69GF Score
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