
Arrow Financial (AROW) Stock Forecast & Price Target
Arrow Financial (AROW) Analyst Ratings
Bulls say
Arrow Financial Corp has experienced a 3.7% increase in total deposits, reflecting a seasonal uptick that enhances liquidity and supports ongoing lending activities. The company's net interest margin (NIM) has improved by 23 basis points to 3.08%, largely attributed to strategic restructuring and anticipated rate adjustments, signaling effective management of interest income. Additionally, while non-performing charge-offs (NCOs) saw a marginal increase, non-performing assets (NPAs) decreased by 6 basis points to 44 basis points of total assets, indicating a strengthening asset quality and effective risk management practices.
Bears say
Arrow Financial Corp faces challenges due to a modest decline of approximately 1% in non-interest bearing deposits, which still constitute roughly 18% of total deposits, suggesting a potential weakening in customer confidence. Additionally, core fees have seen a notable decrease, declining 6% quarter-over-quarter (LQ) and 4% year-over-year (Y/Y), resulting in a $0.03 shortfall relative to expectations. Furthermore, a seasonal expectation indicates a decrease in deposit balances in the next quarter, which may further exacerbate liquidity concerns and overall financial performance.
This aggregate rating is based on analysts' research of Arrow Financial and is not a guaranteed prediction by Public.com or investment advice.
Arrow Financial (AROW) Analyst Forecast & Price Prediction
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