Growth & profitability
- Free cash flow has declined 0.5% per year over the past 5 years.
Financial health
- The company holds more cash ($214M) than total debt ($9M).
AROW Financials ARROW FINANCIAL CORP
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $44M | — | — | 10.2% | 1.0% | $36M | $9M | $214M |
| 2024 | — | $30M | — | — | 7.4% | 0.7% | $29M | $17M | $155M |
| 2023 | — | $30M | — | — | 7.9% | 0.7% | $13M | $33M | $143M |
| 2022 | — | $49M | — | — | 13.8% | 1.2% | $45M | $83M | $65M |
| 2021 | — | $50M | — | — | 13.4% | 1.2% | $61M | $45M | $458M |
| 2020 | — | $41M | — | — | 12.2% | 1.1% | $37M | $62M | $381M |
| 2019 | — | $37M | — | — | 12.4% | 1.2% | $36M | $211M | $70M |
| 2018 | — | $36M | — | — | 13.5% | 1.2% | $37M | $334M | $84M |
| 2017 | — | $29M | — | — | 11.7% | 1.1% | $35M | $225M | $73M |
| 2016 | — | $27M | — | — | 11.4% | 1.0% | $33M | $214M | $57M |
| 2015 | — | $25M | — | — | 11.5% | 1.0% | $27M | $160M | — |
| 2014 | — | $23M | — | — | 11.6% | 1.1% | $29M | $70M | — |
| 2013 | — | $22M | — | — | 11.3% | 1.0% | $34M | $85M | — |
| 2012 | — | $22M | — | — | 12.6% | 1.1% | $24M | $72M | — |
| 2011 | — | $22M | — | — | 13.2% | 1.1% | $31M | $108M | — |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $11M | — | — | 2.5% | 0.2% | $12M | — | $187M |
| Mar '26 | — | $13M | — | — | 3.1% | 0.3% | $14M | — | $286M |
| Dec '25 | — | $14M | — | — | 3.2% | 0.3% | $5M | $9M | $214M |
| Sep '25 | — | $13M | — | — | 3.1% | 0.3% | $14M | — | $397M |
| Jun '25 | — | $11M | — | — | 2.6% | 0.2% | $8M | — | $268M |
| Mar '25 | — | $6M | — | — | 1.6% | 0.1% | $9M | — | $301M |
| Dec '24 | — | $4M | — | — | 1.1% | 0.1% | $4M | $17M | $155M |
| Sep '24 | — | $9M | — | — | 2.3% | 0.2% | $8M | — | $340M |
| Jun '24 | — | $9M | — | — | 2.2% | 0.2% | $8M | — | $200M |
| Mar '24 | — | $8M | — | — | 2.0% | 0.2% | $9M | — | $282M |
| Dec '23 | — | $8M | — | — | 2.0% | 0.2% | -$17M | $33M | $143M |
| Sep '23 | — | $8M | — | — | 2.2% | 0.2% | $10M | — | $295M |
| Jun '23 | — | $6M | — | — | 1.7% | 0.1% | $10M | — | $174M |
| Mar '23 | — | $9M | — | — | 2.4% | 0.2% | $11M | — | $203M |
| Dec '22 | — | $12M | — | — | 3.4% | 0.3% | $8M | $83M | $65M |
| Sep '22 | — | $12M | — | — | 3.5% | 0.3% | $13M | — | $373M |
| Jun '22 | — | $12M | — | — | 3.4% | 0.3% | $11M | — | $217M |
| Mar '22 | — | $13M | — | — | 3.5% | 0.3% | $14M | — | $488M |
| Dec '21 | — | $10M | — | — | 2.8% | 0.3% | $9M | $45M | $458M |
| Sep '21 | — | $13M | — | — | 3.6% | 0.3% | $14M | — | $598M |
Valuation over time
How the market has priced AROW against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 9.4× (Mar '23) to 16.6× (Sep '26).
- The dividend yield has fallen from 3.8% (Mar '23) to 3.4% (Dec '23).
P/E
Dividend yield %
Frequently asked questions
Is AROW growing its revenue and profit?
See the revenue and net-income charts above for ARROW FINANCIAL CORP's multi-year trend.
How much debt does AROW have?
As of FY2025, ARROW FINANCIAL CORP reported $9M of total debt against $214M of cash.
What is AROW's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is AROW's P/E ratio?
As of Sep '26, ARROW FINANCIAL CORP traded at a price-to-earnings ratio of about 16.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.