AROW

Arrow FinancialC

Nasdaq / Banks

At close

2026-07-18

Current thesis

The strongest supported bull point is still the Adirondack acquisition math: management presented an end-Q2 2026 closing target and estimated about 18% 2027 EPS accretion, while January results showed strong standalone 2025 profitability and margin momentum.

Posture

Mixed

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-23.

What can break

If the merger accretion case slips, the stock has limited valuation support given the packet median target sits below the current anchor price.

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $34.50 · Bull $40.00 · Bear $31.00

Earnings

2026-07-23

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-29 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net —

Target $41.00

Why

Momentum68 · Δ7d -8.1

Value51 · Δ7d -0.2

Sentiment42 · Δ7d -4.8

So what

Balanced signals. Wait for confirmation before sizing up.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-8.1

Δ21d

-4.7

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.2

Δ21d

+0.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.8

Δ21d

-2.8

Why this grade

Composite grade C. Momentum 67.6 / Value 50.9 / Sentiment 42.4

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$686.95M

Beta

0.80

Shares Out

16.53M

P/E (TTM)

15.4

P/S (TTM)

3.38

P/FCF (TTM)

31.65

Rev YoY

+7.2%

EPS YoY

+115.7%

Gross Margin

Op Margin

+28.1%

Net Debt

$4.45M

Current Ratio

0.19

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology