AROW (Arrow Financial) Scaled Net Operating Assets: -0.09 (As of Mar. 2026)


AROW Arrow Financial Corp AROW
69 GF Score
Price $40.96
GF Value $35.64
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Arrow Financial Scaled Net Operating Assets?

Arrow Financial AROW +2.09% 69 Scaled Net Operating Assets is -0.09 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Arrow Financial's operating assets for the quarter that ended in Mar. 2026 was $3,671.4 Mil. Arrow Financial's operating liabilities for the quarter that ended in Mar. 2026 was $4,052.7 Mil. Arrow Financial's Total Assets for the quarter that ended in Dec. 2025 was $4,445.9 Mil. Therefore, Arrow Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.09.

AROW
69GF Score
Arrow Financial Corp AROW
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Arrow Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Arrow Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4231.679-3984.816)/4306.348
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4445.862 - 214.183
=4231.679

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4014.01 - 29.194 - 0
=3984.816

Arrow Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3671.449-4052.703)/4445.862
=-0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4522.019 - 850.57
=3671.449

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4081.876 - 29.173 - 0
=4052.703

* 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.

What does a Scaled Net Operating Assets of -0.09 mean?
Arrow Financial (AROW) has a Scaled Net Operating Assets of -0.09 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Arrow Financial and its competitors.
Is Arrow Financial's Scaled Net Operating Assets too high?
Arrow Financial's current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets compare to CARE and BCAL?
Arrow Financial's Scaled Net Operating Assets of -0.09 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Arrow Financial and its competitors. Arrow Financial's current Scaled Net Operating Assets is -0.09. 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 $35.64, compared to a current price of $40.96 — trading 14.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Arrow Financial (AROW), the current Scaled Net Operating Assets is -0.09 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 $40.96 is trading 14.9% above its estimated GF Value™ of $35.64. GuruFocus considers Arrow Financial to be Modestly Overvalued.

Key valuation signals for AROW:

  • Scaled Net Operating Assets: -0.09
  • GF Value™: $35.64 vs. price of $40.96 (14.9% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.96
Price
$35.64
GF Value