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Arrow FinancialAROW +3.03%69 5-Year Yield-on-Cost % is 3.41 as of Jul. 16, 2026, which is 12% below its 10-year median of 3.86. GuruFocus rates AROW with a GF Score™ of 69/100 and a GF Value™ of $36.18 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Arrow Financial ranks worse than 55.94% on this metric.
Arrow Financial's yield on cost for the quarter that ended in Mar. 2026 was 3.41.
The historical rank and industry rank for Arrow Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
AROW'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.87 Med: 3.86 Max: 7.59
Current: 3.41
During the past 13 years, Arrow Financial's highest Yield on Cost was 7.59. The lowest was 2.87. And the median was 3.86.
AROW's 5-Year Yield-on-Cost % is ranked worse than 55.94% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs AROW: 3.41
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Arrow Financial 5-Year Yield-on-Cost % Related Terms
AROW vs TCBX, HIFS, PFIS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Arrow Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Arrow Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Arrow Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Arrow Financial is calculated as
Arrow Financial (AROW) has a 5-Year Yield-on-Cost % of 3.41 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Arrow Financial and its competitors. This is 12% below median its historical median of 3.86. Over the past decade, Arrow Financial's 5-Year Yield-on-Cost % has ranged from 2.87 to 7.59. According to the industry distribution chart, Arrow Financial ranks #702 out of 1255 companies in the Banks industry, placing it in the top 55.9%.
Is Arrow Financial's 5-Year Yield-on-Cost % too high?
Arrow Financial's current 5-Year Yield-on-Cost % of 3.41 is 12% below median its 10-year median of 3.86. Over the past 10 years, this metric has ranged from a low of 2.87 to a high of 7.59. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Arrow Financial's value of 3.41 is 12.1% below this industry median. Based on the distribution chart, Arrow Financial ranks #702 out of 1255 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to TCBX and HIFS?
According to the Banks industry distribution chart, Arrow Financial ranks #702 out of 1255 companies for 5-Year Yield-on-Cost %. This places Arrow Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Arrow Financial's value of 3.41 is 12.1% below this benchmark. Historically, Arrow Financial's own 5-Year Yield-on-Cost % has ranged from 2.87 to 7.59 over the past decade. While the company's 10-year median is 3.86 vs. the industry median of 3.88, Arrow Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arrow Financial's current 5-Year Yield-on-Cost % of 3.41 is 12.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Arrow Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arrow Financial's current 5-Year Yield-on-Cost % is 3.41, which is 12% below median its own 10-year median of 3.86. 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 $36.18, compared to a current price of $42.50 — trading 17.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.41, which is 12% below median its 10-year median of 3.86 and 12.1% below the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Arrow Financial (AROW), the current 5-Year Yield-on-Cost % is 3.41 as of Jul. 16, 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 $42.50 is trading 17.5% above its estimated GF Value™ of $36.18.
GuruFocus considers Arrow Financial to be Modestly Overvalued.
Key valuation signals for AROW:
5-Year Yield-on-Cost %: 3.41 (12% below median its 10-year median of 3.86)
GF Value™: $36.18 vs. price of $42.50 (17.5% above fair value)
Industry Position: 12.1% below the Banks median (#702 of 1255)
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
Get the complete analysis for AROW
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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