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Arrow Financial Corporation: Business Overview, Financials & Competitive Analysis

Arrow Financial Corporation is a bank holding company that provides commercial and consumer banking, and financial products and services in the United States. Through its subsidiary Arrow Bank National Association, th...

Analyst-debate audio for Arrow Financial Corporation

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What's in This Report
Arrow Financial Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Solid

Cyborg Score thesis

Growing regional community bank with strategic acquisition expanding market reach while maintaining profitability and disciplined...

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Industry Commercial Banking & Bank Holding Companies
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Arrow Financial Corporation Overview

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Arrow Financial Corporation is a bank holding company that provides commercial and consumer banking, and financial products and services in the United States. Through its subsidiary Arrow Bank National Association, the company provides a full range of services to individuals and small to mid-size businesses in New York State from Albany to the Canadian border.

Strategic Profile

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The company is extending its eight-county footprint through the acquisition of Adirondack Bancorp, expanding into the Adirondack region and Mohawk Valley. Arrow was recognized by Piper Sandler as a top-performing small-cap bank, qualifying for the Sm-All Stars: Class of 2024 list by outperforming industry medians across key metrics and is the sole bank from Upstate New York on the list.

Competitive Landscape

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Arrow Financial operates as a regional community bank in Upstate New York, competing against larger regional institutions and community banks in the Northeast. The company differentiates through focused service in underserved regions and a diversified product suite including insurance and wealth management services.

Industry Context

Arrow Financial Corporation operates in Commercial Banking & Bank Holding Companies.

Key facts

Founded: 1851 · Headquarters: Glens Falls, New York · Employees: 600 · Revenue: N/A · Market cap: $548M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Arrow Financial Corporation.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community BankingRegional bank competitor in Northeast market→Community BankingCommunity bank operator in region→Community BankingRegional competitor in Northeast→

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Industry context

Arrow Financial Corporation operates in Commercial Banking & Bank Holding Companies. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Arrow Financial Corporation do?+
Arrow Financial Corporation is a bank holding company that provides commercial and consumer banking, and financial products and services in the United States. Through its subsidiary Arrow Bank National Association, th...
What is Arrow Financial Corporation's Cyborg Score?+
Arrow Financial Corporation has a Cyborg Score of 7/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Arrow Financial Corporation's main competitors?+
Named competitors include Community Banking, Community Banking, Community Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Arrow Financial Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Arrow Financial Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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