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Zacks Company Profile for Arrow Financial Corporation (AROW : NSDQ)

• Company Description    Arrow Financial Corporation is registered as a bank holding company. They own two nationally chartered banks, Glens Falls National Bank and Trust Company, and Saratoga National Bank and Trust Company, as well as two non-bank subsidiaries, the operations of which are not significant. They own directly or indirectly all voting stock of all its subsidiaries. The business of the Company consists primarily of the ownership, supervision and control of its bank subsidiaries. Number of Employees: 554

• Price / Volume Information    Yesterday's Closing Price: $27.07 Daily Weekly Monthly 20 Day Moving Average: 43,460 shares Shares Outstanding: 16.67 (millions) Market Capitalization: $451.39 (millions) Beta: 0.78 52 Week High: $34.63 52 Week Low: $22.72 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 3.52% -0.03% 12 Week 13.98% -3.81% Year To Date -5.71% -9.99%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 250 GLEN ST - GLENS FALLS,NY 12801 USA ph: 518-745-1000 fax: 518-745-5513 None http://www.arrowfinancial.com

• General Corporate Information    Officers David S. DeMarco - President and Chief Executive Officer Penko Ivanov - Chief Financial Officer Mark L. Behan - Director David G. Kruczlnicki - Director Tenee R. Casaccio - Director Peer Information Arrow Financial Corporation (CNBKA) Arrow Financial Corporation (CNBI2) Arrow Financial Corporation (CNOB) Arrow Financial Corporation (FBNK.) Arrow Financial Corporation (FMBN) Arrow Financial Corporation (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 042744102 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 03/01/25 Next Expected EPS Date: 07/24/25 Share - Related Items Shares Outstanding: 16.67 Most Recent Split Date: 9.00 (1.03:1) Beta: 0.78 Market Capitalization: $451.39 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 4.14% Current Fiscal Quarter EPS Consensus Estimate: $0.66 Indicated Annual Dividend: $1.12 Current Fiscal Year EPS Consensus Estimate: $2.40 Payout Ratio: 0.59 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.14 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 05/13/2025 - $0.28 Next EPS Report Date: 07/24/25

• Fundamental Ratios P/E Current FY Estimate: 11.28 Trailing 12 Months: 14.25 PEG Ratio: - Price Ratios Price/Book: 1.12 Price/Cash Flow: 11.40 Price / Sales: 1.99 EPS Growth vs. Year Ago Period: -15.56% vs. Previous Quarter: -19.15% Sales Growth vs. Year Ago Period: 6.73% vs. Previous Quarter: 5.58% ROE 06/30/25 - - 03/31/25 - 8.01 12/31/24 - 8.50 ROA 06/30/25 - - 03/31/25 - 0.73 12/31/24 - 0.76 Current Ratio 06/30/25 - - 03/31/25 - 0.93 12/31/24 - 0.92 Quick Ratio 06/30/25 - - 03/31/25 - 0.93 12/31/24 - 0.92 Operating Margin 06/30/25 - - 03/31/25 - 13.98 12/31/24 - 14.81 Net Margin 06/30/25 - - 03/31/25 - 12.51 12/31/24 - 13.32 Pre-Tax Margin 06/30/25 - - 03/31/25 - 15.79 12/31/24 - 16.75 Book Value 06/30/25 - - 03/31/25 - 24.26 12/31/24 - 23.95 Inventory Turnover 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Equity 06/30/25 - - 03/31/25 - 0.06 12/31/24 - 0.06 Debt-to-Capital 06/30/25 - - 03/31/25 - 5.82 12/31/24 - 5.87

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