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Arrow Financial Corporation operates as the holding company for Glens Falls National Bank and Trust Company, and Saratoga National Bank and Trust Company that provide various banking products and services in the United States. It offers various deposit products, including regular savings, NOW, and money market deposit accounts, as well as time and demand deposits. The company's loan portfolio comprises commercial and industrial loans primarily to small and midsized companies; mortgage loans for residential and commercial properties; and consumer installment and home equity financing. It also maintains an indirect lending program through its sponsorship of automobile dealer programs, under which it purchases dealer paper from dealers meeting pre-established specifications. In addition, the company provides trust administration and investment management services; pension, profit-sharing, and employee benefit plan administration services for corporations; and investment advisory services to its mutual funds. Further, it holds an insurance agency that specializes in group health and life insurance products. The company operates primarily in Warren, Washington, Saratoga, Essex, and Clinton counties and surrounding areas in northern New York State. As of December 31, 2008, it owned 27 branch offices, as well as leased 6 offices. The company was founded in 1851 and is headquartered in Glens Falls, New York.

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Key Statistics

Closing Price	24.06
Volume	42060
Volume Avg	38072
52 Week High	27.15
52 Week Low	21.50
PE	13.32
PE (group average)	27
EPS Year	1.87
EPS change Q/Q	2.17%
EPS change Q/Q Yr ago	-2.08%
EPS change Q/Q next Q est	6.82%
EPS change Y/Y	-5.67%
REV change Q/Q	0.39%
REV change Q/Q Yr ago	-0.78%
EPS next Q est	0.44
EPS next Y est	1.82
Divident Annual	0.99
Dividend Yield	4.11%