Arrow Financial (AROW) Net Margin (2010 - 2026)
Arrow Financial (AROW) recorded Net Margin of 24.81% in Q2 2026, down 2.11 percentage points from 26.92% a year earlier and down 5.32 percentage points from the prior quarter.
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Analysis
Arrow Financial (AROW) Net Margin (2010 - 2026) Analysis & Trends
On a TTM basis, Arrow Financial's Net Margin came in at 29.27% as of Jun 30, 2026, up 8.87 percentage points year-over-year; for FY2025, it came in at 26.54%, up 5.29 percentage points from FY2024.
- Annual Net Margin has a five-year change of -4.42 percentage points (FY2020 to FY2025).
- Across earlier years, Net Margin came in at 21.25% in FY2024 (-1.20 pp), 22.45% in FY2023 (-10.25 pp), 32.70% in FY2022 (-2.23 pp) and 34.93% in FY2021 (+3.97 pp).
- The Q2 2026 figure is the lowest quarterly Net Margin since Q1 2025.
- On a year-over-year basis, Net Margin rose in five of the last eight quarters, with an average year-over-year change of +2.97 percentage points.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 19.10 percentage points in Q4 2025, against a drop of 14.05 percentage points in Q2 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 30.13% (Q1 2026), 32.28% (Q4 2025) and 29.93% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 918.91 Bn | 918.91 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 870.35 Bn | 846.93 Bn | - | - |
| 3 | Bank Of America | 358.55 Bn | -2,017.56 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 315.74 Bn | -668.95 Bn | - | - |
| 5 | Morgan Stanley | 290.88 Bn | -253.14 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 287.92 Bn | 137.98 Bn | - | 32.48% |
| 7 | Goldman Sachs | 270.57 Bn | -3,472.88 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 258.79 Bn | 258.79 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 247.94 Bn | 129.81 Bn | - | - |
| 10 | Arrow Financial | 636.42 Mn | 613.46 Mn | - | 24.81% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 24.81% |
| Mar 31, 2026 | 30.13% |
| Dec 31, 2025 | 32.28% |
| Sep 30, 2025 | 29.93% |
| Jun 30, 2025 | 26.92% |
| Mar 31, 2025 | 16.10% |
| Dec 31, 2024 | 13.18% |
| Sep 30, 2024 | 24.54% |
| Jun 30, 2024 | 24.58% |
| Mar 31, 2024 | 22.32% |
| Dec 31, 2023 | 23.33% |
| Sep 30, 2023 | 23.18% |
| Jun 30, 2023 | 18.50% |
| Mar 31, 2023 | 24.62% |
| Dec 31, 2022 | 32.02% |
| Sep 30, 2022 | 31.41% |
| Jun 30, 2022 | 32.55% |
| Mar 31, 2022 | 34.94% |
| Dec 31, 2021 | 29.63% |
| Sep 30, 2021 | 35.75% |
API Access
Arrow Financial Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=AROW&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "AROW", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=AROW&period=max&api_key=YOUR_API_KEY");
const data = await res.json();