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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : MAJOR BANKS
  4. ARROW FINANCIAL CORP.
Arrow Financial Corp.
XNAS: AROW
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Arrow Fin Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Arrow Fin Corp share price target, revenues, EPS, net income and more

Arrow Fin Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Arrow Fin Corp Jun-2026 Quarterly Revenue is $44 Million which is growth of 10.1% YoY.

  • POSITIVE

    Quarterly Net Profit Arrow Fin Corp Jun-2026 Quarterly Net Profit is $11 Million which is growth of 1.5% YoY.

Arrow Financial Corp., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
44.244.843.442.940.139.233.936.63534.333.133.432.7
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------12.512.5
Operating Profit
-----------
⌄
-------------
Profit Before Tax
13.917.316.816.613.98.15.211.510.99.79.49.67.7
Tax
2.93.92.83.83.11.80.82.62.321.71.81.6
⌄
10.913.513.912.810.86.34.598.67.77.77.76.1
Diluted NI Avail to Com Stockholders Ann.
10.913.513.912.810.86.34.598.67.77.77.76.1
Basic EPS
0.70.80.90.80.70.40.30.50.50.50.50.50.4
Diluted EPS After ExtraOrdinary
0.70.80.90.80.70.40.30.50.50.50.50.50.4
Number Of Shares End
16.416.416.416.416.516.716.716.716.716.91717.117.1
Net Income Continuing Discontinued Operations
1113.51412.810.86.34.598.67.77.77.76.1
Normalized Income
11.714.114.513.111.16.55.39.18.57.97.986.2
Interest Income
53.653.854.653.651.650.450.949.44846.744.342.140
Interest
17.717.719.519.5191921.22120.820.218.716.814.2
Net Interest Income
35.936.135.134.132.531.429.728.427.226.525.625.425.8
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.31.31.31.51.41.21.41.41.31.41.81.51.7
Profit From Continuing Operations
1113.51412.810.86.34.598.67.77.77.76.1
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Arrow Fin Corp competitor comparison and performance snapshot within industry

Arrow Fin Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Arrow Fin Corp Dec-2025 Annual Revenue is $166 Million which is growth of 18.4% YoY.

  • POSITIVE

    Annual Net Profit Arrow Fin Corp Dec-2025 Annual Net Profit is $44 Million which is growth of 47.9% YoY.

Arrow Financial Corp., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.5%
4.7%
 165.6139.8134149.2142.7131.9116.6113105.399.494.1
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----11.3-5.2-12.7-21.7-12.5-7-5.4-4.8
Operating Profit Ann.
-
-
 ---160.6147.9144.6138.3125.5112.3104.898.9
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-4.1%
1.3%
64.655.437.437.562.964.451.947.145.339.937.835.3
Tax Ann.
-6.8%
0.7%
13.311.47.77.414.114.6119.6910.511.210.6
⌄
-3.5%
1.4%
51.143.829.730.148.849.940.837.536.329.326.524.7
Diluted NI Avail to Com Stockholders Ann.
-3.5%
1.4%
51.143.829.730.148.849.940.837.536.329.326.524.7
EPS Ann.
-2.4%
2.4%
 2.71.81.82.92.92.42.22.21.81.61.5
Diluted EPS Ann.
-2.4%
2.4%
 2.71.81.82.92.92.42.22.21.81.61.5
Number Of Shares End
-1.2%
-0.6%
 16.416.717171716.916.916.816.616.516.4
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-3.4%
1.5%
51.34429.730.148.849.940.837.536.329.326.524.7
Normalized Income Ann.
-3.1%
1.9%
53.345.130.730.949.651.841.138.83730.227.825.5
Interest Income Ann.
17.5%
13.4%
215.6210.2195162.6129.7115.6111.9109.896.584.776.970.7
Interest Ann.
89.6%
43.4%
74.37783.357.711.35.212.721.712.575.44.8
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-10.8%
-4.8%
5.45.45.46.77.67.86.95.54.85.45.96.3
Profit From Continuing Operations Ann.
-3.4%
1.5%
51.34429.730.148.849.940.837.536.329.326.524.7
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
18.5%
2Y CAGR
11.2%
3Y CAGR
3.5%
5Y CAGR
4.7%
7Y CAGR
5.6%
10Y CAGR
5.8%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
48.1%
2Y CAGR
20.9%
3Y CAGR
-3.4%
5Y CAGR
1.5%
7Y CAGR
2.8%
10Y CAGR
5.9%
Net Profit Annual growth is higher than historical averages.

Arrow Fin Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Arrow Fin Corp Dec-2025 Total Shareholders Fund is $432 Million which is growth of 7.7% YoY.

  • POSITIVE

    Total Assets Arrow Fin Corp Dec-2025 Total Assets is $4,446 Million which is growth of 3.2% YoY.

Arrow Financial Corp., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.9%
3.8%
4,445.94,306.44,169.93,969.54,0283,688.63,184.32,988.32,760.52,605.22,446.2
⌄
3.5%
3.7%
4,0143,905.53,790.13,6163,656.83,354.22,882.62,718.82,510.92,372.42,232.2
⌄
6.9%
5.3%
431.9400.9379.8353.5371.2334.4301.7269.6249.6232.9214
Total Capitalization Ann.
2.1%
2.7%
456.1429.5426.3428.3436.2399.4481.7568.6429.6430.9289
Tangible Assets Ann.
7.2%
5.5%
406.3375.1356.8330.2347.4310.6278.2245.9225.4208.3189
Working Capital Ann.
-
-
---
Invested Capital Ann.
2.1%
2.7%
456.1429.5426.3428.3436.2399.4481.7568.6429.6430.9394.1
Tangible Book Value Ann.
7.2%
5.5%
406.3375.1356.8330.2347.4310.6278.2245.9225.4208.3189
Borrowings Ann.
-28.5%
-16.1%
29.233.651.679.970.270.2185.3299180198180.2
Net Debt Ann.
-
-
---10.1--109.8214.8107.2140.7129.1
Share Issued Ann.
0%
0%
22.122.122.122.122.122.122.122.122.122.122.1
Number Of Shares End
-1.2%
-0.6%
16.416.717171716.916.916.816.616.516.4
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
3.2%
2Y CAGR
3.3%
3Y CAGR
3.9%
5Y CAGR
3.8%
7Y CAGR
5.8%
10Y CAGR
6.2%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
7.7%
2Y CAGR
6.6%
3Y CAGR
6.9%
5Y CAGR
5.3%
7Y CAGR
7%
10Y CAGR
7.3%
Total ShareHolders Funds Annual growth is higher than historical averages.

Arrow Fin Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • NEGATIVE

    Book Value Per Share Arrow Fin Corp Book Value Per Share is $24 which is growth of -2.9% YoY.

  • NEUTRAL

    ROE Arrow Fin Corp ROE is 0% which is growth of 0% YoY.

Arrow Financial Corp., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.70%0.74%1.22%1.29%1.19%1.21%1.26%1.09%1.05%1.06%
ROE Ann. %
-
-
-7.61%8.20%13.47%14.13%12.84%13.12%13.98%12.16%11.88%11.89%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---107.58%103.64%109.63%118.62%111.05%106.65%105.39%105.12%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.10.10.20.20.20.61.10.70.90.7
*All financials are in USD Million and price data in USD
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Arrow Fin Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Arrow Fin Corp Dec-2025 Cash From Operating Activity is $41 Million which is growth of 19.8% YoY.

  • POSITIVE

    Net Cash Flow Arrow Fin Corp Dec-2025 Net Cash Flow is $60 Million which is growth of 396.6% YoY.

Arrow Financial Corp., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-11.6%
-0.5%
41.334.520.659.768.242.343.94237.834.728.9
⌄
-
-
-61.5-89-82.7-393.1-274.6-187.3-192.2-227.8-148.6-157.8-229.5
⌄
-
-29.4%
79.866.5140-59.7283.1455.8134.3197.2126.2129.4205.4
Cash Plus Cash Eqv. End Of Year Ann.
49%
-10.9%
214.2154.6142.564.7457.738170.284.272.857.451.1
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-28.1%
59.61277.9-39376.7310.8-1411.415.56.34.8
Cash Plus Cash Eqv. Begin Of Year Ann.
-30.4%
17.1%
154.6142.564.7457.738170.284.272.857.451.146.3
Income Tax Paid Supplemental Data Ann.
12.9%
11.2%
18.78.96.61314.8119.91011.5129.4
Interest Paid Supplemental Data Ann.
137%
41.1%
77.284.551.85.85.413.820.812.275.34.9
Capex Ann.
-
-
-5.1-5.6-7.1-14.3-7.1-5.1-7.8-5.1-2.6-1.4-1.6
Issuance Of Capital Stock Ann.
-
-
0.51.91.81.81.81.81.71.70.9
Issuance Of Debt Ann.
-
-
102.1256.545---55
Repayment Of Debt Ann.
-
-
-4.4-120.1-284.9-17.3-17.5-30-15-10--10
Repurchase Of Capital Stock Ann.
-
-
-10.2-6.8-3.6-2.9-2.7-1.6-2.5-2.1-3.3-2.1-1.5
Free Cash Flow Ann.
-7.3%
-0.5%
36.228.913.545.561.137.236.236.935.233.327.3
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
19.7%
2Y CAGR
41.6%
3Y CAGR
-11.6%
5Y CAGR
-0.5%
7Y CAGR
-0.2%
10Y CAGR
3.6%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
20%
2Y CAGR
-24.5%
5Y CAGR
-29.4%
7Y CAGR
-12.1%
10Y CAGR
-9%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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