Arrow Financial Corporation

10-Year Study

AROW.US · Financial Services · US · Common Stock

Executive Summary: Arrow Financial Corporation has compounded at 6.7% annually over the last 10 years, with a maximum drawdown of 49.9% and an annualized volatility of 30.4%.

1Y CAGR
+50.4%
3Y CAGR
+32.5%
5Y CAGR
+3.5%
10Y CAGR
+6.7%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
49.9%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.25
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
0.47
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
27.0%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2019 · +21.3%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2020 · -18.3%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
50%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
20267.7-0.60.88.4————————16.9%
2025-7.32.6-2.7-6.76.12.61.412.1-4.8-1.49.14.114.0%
2024-9.8-3.74.3-11.014.03.721.0-2.3-6.00.615.6-12.97.2%
2023-2.9-7.4-17.6-13.3-15.512.0-0.1-11.2-3.325.216.913.3-13.5%
20220.4-2.2-5.6-3.56.7-4.05.5-3.5-10.220.81.8-3.6-0.8%
2021-1.78.45.36.15.0-2.50.32.2-6.24.3-3.82.821.1%
2020-7.2-9.7-11.42.32.62.5-8.24.9-11.79.18.71.3-18.3%
2019-0.511.9-7.12.3-4.48.7-4.2-3.34.65.22.16.121.3%
2018-3.4-1.05.34.36.3-2.76.32.3-3.2-5.0-0.4-7.9-0.5%
2017-12.8-0.5-2.91.0-7.00.03.0-0.39.52.84.8-7.7-11.5%
2016———6.03.25.04.33.34.3-3.720.47.060.1%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 30.4%. The dominant macroeconomic risk driver is VTV.US, accounting for 30.8% of variance. Idiosyncratic stock-specific factors contribute 30.4%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0110598.423492692706
2016-05-0110937.13335383704
2016-06-0111485.322762532893
2016-07-0111978.20911503719
2016-08-0112374.5002221235
2016-09-0112906.970121541424
2016-10-0112423.367392270102
2016-11-0114963.207235530646
2016-12-0116010.775837519506
2017-01-0113955.108270967889
2017-02-0113880.839285104057
2017-03-0113483.067354679972
2017-04-0113622.264748430896
2017-05-0112673.113943660368
2017-06-0112673.113943660368
2017-07-0113053.457722493706
2017-08-0113020.367016368795
2017-09-0114262.151294581325
2017-10-0114656.619849867295
2017-11-0115366.048138149426
2017-12-0114176.035722015287
2018-01-0113695.850277369604
2018-02-0113553.976010661927
2018-03-0114268.416316394992
2018-04-0114877.832074633494
2018-05-0115808.244768706785
2018-06-0115385.526660515554
2018-07-0116357.68718176537
2018-08-0116728.405608903166
2018-09-0116201.232500654978
2018-10-0115386.779664878288
2018-11-0115322.249940197518
2018-12-0114110.423857203064
2019-01-0114035.471414414107
2019-02-0115708.915695588285
2019-03-0114586.850288760552
2019-04-0114923.908462335827
2019-05-0114267.505040494822
2019-06-0115510.997961020172
2019-07-0114854.480629691647
2019-08-0114363.189010012642
2019-09-0115018.396382234676
2019-10-0115796.512091492099
2019-11-0116129.355614029093
2019-12-0117112.2236271059
2020-01-0115871.806262743625
2020-02-0114337.103737370286
2020-03-0112709.564979667157
2020-04-0112996.844707195663
2020-05-0113338.857943478113
2020-06-0113666.803358051691
2020-07-0112549.74996867489
2020-08-0113170.328856690472
2020-09-0111627.53875770313
2020-10-0112684.163163949926
2020-11-0113791.819020606226
2020-12-0113973.049015252482
2021-01-0113734.750367358098
2021-02-0114883.983186959642
2021-03-0115678.50186242012
2021-04-0116638.70188748021
2021-05-0117462.38139174612
2021-06-0117030.607479296952
2021-07-0117077.993826105776
2021-08-0117456.97069108886
2021-09-0116381.09558145098
2021-10-0117091.492100377043
2021-11-0116447.84654113841
2021-12-0116916.071489594367
2022-01-0116988.062285707776
2022-02-0116614.325257150667
2022-03-0115680.837006914306
2022-04-0115139.083484263405
2022-05-0116148.264588957612
2022-06-0115504.903803437786
2022-07-0116353.016892777
2022-08-0115774.98319835059
2022-09-0114158.6645251683
2022-10-0117106.35728849856
2022-11-0117408.331339917302
2022-12-0116779.72183303147
2023-01-0116289.683217715203
2023-02-0115086.912938978687
2023-03-0112438.28953513538
2023-04-0110780.50780849537
2023-05-019107.803938990079
2023-06-0110203.157570994088
2023-07-0110193.0196266047
2023-08-019051.70351638588
2023-09-018748.476460604405
2023-10-0110953.536320040095
2023-11-0112809.007962273177
2023-12-0114518.618505735341
2024-01-0113089.623984781692
2024-02-0112601.180102290718
2024-03-0113147.66086867375
2024-04-0111702.60510997961
2024-05-0113343.983870416565
2024-06-0113843.533927940858
2024-07-0116750.39013999476
2024-08-0116362.870063447586
2024-09-0115380.742462039663
2024-10-0115466.345441911857
2024-11-0117872.455546822493
2024-12-0115558.498217316519
2025-01-0114420.485482235814
2025-02-0114802.196174919409
2025-03-0114396.963173062684
2025-04-0113433.118044401917
2025-05-0114250.58948159792
2025-06-0114621.36486347948
2025-07-0114831.641777443643
2025-08-0116628.7348073221
2025-09-0115828.919340691888
2025-10-0115599.562587567916
2025-11-0117026.278918771146
2025-12-0117732.17601294012
2026-01-0119093.1665698436
2026-02-0118971.625146658465
2026-03-0119119.707480436045
2026-04-0120725.831254485187
Annual Return Matrix
YearAnnual Return
2017-0.1145940792703316
2018-0.004628364805142726
20190.21273632885028348
2020-0.1834463293759756
20210.21062135194182674
2022-0.00806036180721792
2023-0.13475213414116738
20240.07162387462487496
20250.13971000062231642
20260.16882616320526234
Total Factor Risk
0.30423000609549294
VTI.US Exposure
-0.0966664205154963
VEA.US Exposure
-0.1357919507436217
VWO.US Exposure
0.09614873612279819
QQQ.US Exposure
-0.00838262800128038
VTV.US Exposure
0.3078369207203267
IJR.US Exposure
0.2696127075828767
QUAL.US Exposure
-0.04951632154776325
SHV.US Exposure
0.0919342789569558
TLT.US Exposure
-0.015232273198667944
LQD.US Exposure
-0.0015048788405350464
HYG.US Exposure
0.0113681611278445
GLD.US Exposure
-0.005860608458442098
USO.US Exposure
0.017476712521476815
VNQ.US Exposure
0.0025109363655532687
BTC-USD.CC Exposure
-0.00032897657750524743
CPER.US Exposure
-0.021798136067589655
VIX.INDX Exposure
0.07084130344272975
UUP.US Exposure
0.04309905718118929
TIP.US Exposure
0.12015011099440015
Idiosyncratic Exposure
0.3041032689347506
Value Score
44.8
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
40.2
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
30.4%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →12.9x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →3.35%
Market Cap$563.5M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$171
Avg Yield on Cost
1.71%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2026$170.861.71%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+6.6%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+20.3%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
0.1% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.76
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Arrow Financial Corporation a high-risk investment?

Arrow Financial Corporation (AROW.US) has an annualized volatility of 30.4% and experienced a maximum drawdown of 49.9% over the last 10 years. Its primary macro risk driver is VTV.US.

What is the 10-year return of AROW.US?

Over the past 10 years, AROW.US has generated a Compound Annual Growth Rate (CAGR) of 6.7%. It has had a positive return in 50% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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