20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Arrow Financial Corporation (AROW) operates in the BANKS - REGIONAL industry and is headquartered in Glens Falls, United States with about 725 employees. Its market capitalization is roughly $716 million. In the fiscal year ended 2025-12-31, AROW reported $243M in revenue and $44M in net income.
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $212M | $243M | $223M | $192M | $149M | $148M | $145M | $138M | $125M | $112M | $105M | $99M | $95M | $92M | $96M | $103M | $104M | $104M | $107M | $103M | $51M |
| Gross Profit | $135M | $158M | $135M | $131M | $149M | $142M | $123M | $115M | $110M | $103M | $97M | $93M | $88M | $84M | $84M | $83M | $79M | $76M | $73M | $62M | $16M |
| Gross Margin % | 63.6% | 65.3% | 60.4% | 68.1% | 100.0% | 96.3% | 84.8% | 82.8% | 88.0% | 91.3% | 93.0% | 93.8% | 92.0% | 91.2% | 86.7% | 81.0% | 76.0% | 72.8% | 68.4% | 60.3% | 30.7% |
| Operating Income (EBIT) | $34M | $55M | $37M | $38M | $74M | $64M | $52M | $47M | $45M | $40M | $38M | $35M | $34M | $31M | $32M | $32M | $32M | $32M | $29M | $24M | $24M |
| Operating Margin % | 16.2% | 22.8% | 16.8% | 19.6% | 49.7% | 43.5% | 35.9% | 34.0% | 36.1% | 35.5% | 36.0% | 35.7% | 35.2% | 33.5% | 33.0% | 30.8% | 30.4% | 30.4% | 27.4% | 23.5% | 46.8% |
| Net Income | $51M | $44M | $30M | $30M | $49M | $50M | $41M | $37M | $36M | $29M | $27M | $25M | $23M | $22M | $22M | $22M | $22M | $22M | $20M | $17M | $17M |
| Net Margin % | 24.2% | 18.1% | 13.3% | 15.7% | 32.7% | 33.7% | 28.2% | 27.1% | 28.9% | 26.1% | 25.3% | 24.9% | 24.5% | 23.6% | 23.0% | 21.3% | 21.0% | 21.0% | 19.0% | 16.9% | 32.9% |
| EBITDA | $37M | $61M | $43M | $44M | — | $72M | $59M | $53M | $50M | $45M | $44M | $42M | $41M | $40M | $41M | $38M | $35M | $34M | $32M | $27M | $27M |
| Earnings Per Share (EPS) | $3.12 | $2.66 | $1.77 | $1.77 | $2.95 | $2.92 | $2.41 | $2.22 | $2.22 | $1.81 | $1.65 | $1.55 | $1.47 | $1.38 | $1.41 | $1.36 | $1.37 | $1.41 | $1.32 | $1.07 | $1.02 |
| Shares Outstanding (M) | 16M | 17M | 17M | 17M | 17M | 17M | 17M | 17M | 16M | 16M | 16M | 16M | 16M | 16M | 16M | 16M | 16M | 15M | 15M | 16M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $24M | $62M | $63M | $62M | $59M | $58M | $55M | $58M |
| Gross Profit | $6M | $44M | $43M | $42M | $40M | $34M | $31M | $36M |
| Gross Margin % | 24.9% | 70.8% | 67.7% | 67.5% | 66.8% | 58.7% | 56.3% | 61.9% |
| Operating Income (EBIT) | ($16M) | $17M | $17M | $17M | $14M | $8M | $5M | $12M |
| Operating Margin % | -67.7% | 27.8% | 26.7% | 26.6% | 23.5% | 14.0% | 9.5% | 20.0% |
| Net Income | $11M | $13M | $14M | $13M | $11M | $6M | $4M | $9M |
| Net Margin % | 45.2% | 21.6% | 22.3% | 20.6% | 18.3% | 10.8% | 8.1% | 15.6% |
| EBITDA | ($18M) | $19M | $18M | $18M | $15M | $9M | $7M | $13M |
| Earnings Per Share (EPS) | $0.67 | $0.82 | $0.85 | $0.78 | $0.65 | $0.38 | $0.27 | $0.54 |
| Shares Outstanding (M) | 16M | 16M | 16M | 16M | 17M | 17M | 17M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $52M | $41M | $34M | $60M | $60M | $68M | $42M | $44M | $42M | $38M | $35M | $29M | $31M | $37M | $32M | $36M | $10M | $19M | $26M | $21M | $23M |
| Capital Expenditures (CapEx) | $7M | $5M | $6M | $14M | $14M | $7M | $5M | $8M | $5M | $3M | $1M | $2M | $1M | $2M | $8M | $5M | $1M | $3M | $2M | $1M | $1M |
| Free Cash Flow (FCF) | $45M | $36M | $29M | $45M | $45M | $61M | $37M | $36M | $37M | $35M | $33M | $27M | $29M | $34M | $24M | $31M | $9M | $16M | $23M | $20M | $22M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $19M | $19M | $18M | $17M | $17M | $16M | $16M | $15M | $14M | $14M | $13M | $13M | $12M | $12M | $12M | $11M | $11M | $11M | $10M | $10M | $10M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $16M | $15M | $6M | $15M | $10M | $10M | $6M | $9M |
| Capital Expenditures (CapEx) | $4M | $1M | $1M | $1M | $2M | $1M | $2M | $1M |
| Free Cash Flow (FCF) | $12M | $14M | $5M | $14M | $8M | $9M | $4M | $8M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B | $4.4B | $4.3B | $4.2B | $4.0B | $4.0B | $3.7B | $3.2B | $3.0B | $2.8B | $2.6B | $2.4B | $2.2B | $2.2B | $2.0B | $2.0B | $1.9B | $1.8B | $1.7B | $1.6B | $1.5B |
| Cash & Cash Equivalents | $31M | $29M | $155M | $143M | $65M | $458M | $381M | $70M | $84M | $73M | $57M | $51M | $46M | $50M | $49M | $44M | $31M | $67M | $58M | $35M | $44M |
| Total Liabilities | $4.0B | $4.0B | $3.9B | $3.8B | $3.6B | $3.7B | $3.4B | $2.9B | $2.7B | $2.5B | $2.4B | $2.2B | $2.0B | $2.0B | $1.8B | $1.8B | $1.8B | $1.7B | $1.5B | $1.5B | $1.4B |
| Total Debt (Short + Long-Term) | $640M | $24M | $29M | $46M | $75M | $66M | $37M | $201M | $309M | $190M | $179M | $125M | $80M | $97M | $62M | $88M | $143M | $214M | $220M | $234M | $241M |
| Total Shareholders' Equity | $446M | $432M | $401M | $380M | $354M | $371M | $334M | $302M | $270M | $250M | $233M | $214M | $201M | $192M | $176M | $166M | $152M | $141M | $126M | $122M | $118M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive AROW viewer.
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