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ARROW FINANCIAL CORP AROW

Nasdaq · stock · National Commercial Banks · website · IPO 1980-09-18 · LEI

ARROW FINANCIAL CORP financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$26.5M $29.3M $36.3M $37.5M $40.8M $49.9M $48.8M $30.1M $29.7M $44.0M 2016201720182019202020212022202320242025
Free cash flow
$33.3M $35.2M $36.9M $36.2M $37.2M $61.1M $45.5M $13.5M $28.9M $36.2M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense$77.0M$83.3M$57.7M$11.3M$5.2M$12.7M$21.7M$12.5M$7.0M$5.4M
Income tax$11.4M$7.6M$7.4M$14.1M$14.5M$11.0M$9.6M$9.0M$10.5M$11.2M
Net income$44.0M$29.7M$30.1M$48.8M$49.9M$40.8M$37.5M$36.3M$29.3M$26.5M
EPS (diluted)$2.65$1.77$1.77$2.86$2.92$2.49$2.36$2.36$1.98$1.86
Operating cash flow$41.3M$34.5M$20.6M$59.7M$68.2M$42.3M$43.9M$42.0M$37.8M$34.7M
Free cash flow$36.2M$28.9M$13.5M$45.5M$61.1M$37.2M$36.2M$36.9M$35.2M$33.3M
Cash & equivalents———————$84.2M$72.8M$57.4M
Total assets$4.4B$4.3B$4.2B$4.0B$4.0B$3.7B$3.2B$3.0B$2.8B$2.6B
Total liabilities$4.0B$3.9B$3.8B$3.6B$3.7B$3.4B$2.9B$2.7B$2.5B$2.4B
Shareholders' equity$431.9M$400.9M$379.8M$353.5M$371.2M$334.4M$301.7M$269.6M$249.6M$232.9M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth+47.9%-1.2%-38.4%-2.1%+22.1%+8.9%+3.3%+23.7%+10.5%+7.6%
EPS growth+49.7%+0.0%-38.1%-2.1%+17.3%+5.5%+0.0%+19.2%+6.5%+3.3%
Free cash flow growth+25.3%+113.9%-70.3%-25.6%+64.2%+2.8%-1.9%+4.7%+5.9%+21.8%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.