Arrow Financial Corp (AROW)

Name: Arrow Financial Corp (AROW) annual fundamentals
Creator: TickerFacts
License: https://creativecommons.org/publicdomain/zero/1.0/

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SEC name ARROW FINANCIAL CORP · CIK 0000717538 · Nasdaq · National Commercial Banks

Sector Finance & Real Estate
Incorporated NY
Fiscal year ends Dec 31

Key ratios (year ended 2025-12-31)

10.2%

Return on year-end equity

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Latest selected filing: Form 4 (ownership change) · 2026-09-25

Headquarters locality: Glens Falls · View on map

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period ended	TTM to 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
Depreciation & Amortization	$5.38M	$5.42M	$5.36M	$6.72M	$7.55M	$7.83M	$6.87M	$5.50M	$4.75M	$5.40M	$5.94M
Net Income	$51.28M	$43.95M	$29.71M	$30.07M	$48.80M	$49.86M	$40.83M	$37.48M	$36.28M	$29.33M	$26.53M
EPS (Diluted)	n/a	$2.65	$1.77	$1.77	$2.86	$2.92	$2.49	$2.36	$2.36	$1.98	$1.86
Total Assets	$4.48B	$4.45B	$4.31B	$4.17B	$3.97B	$4.03B	$3.69B	$3.18B	$2.99B	$2.76B	$2.61B
Total Liabilities	$4.04B	$4.01B	$3.91B	$3.79B	$3.62B	$3.66B	$3.35B	$2.88B	$2.72B	$2.51B	$2.37B
Long-Term Debt	n/a	$4.26M	$8.60M	$6.50M	$27.80M	$45.00M	$45.00M	$30.00M	$45.00M	$55.00M	$55.00M
Shareholders' Equity	$446.31M	$431.85M	$400.90M	$379.77M	$353.54M	$371.19M	$334.39M	$301.73M	$269.58M	$249.60M	$232.85M
Cash & Equivalents	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	$84.24M	$72.84M	$57.35M
Operating Cash Flow	$51.97M	$41.28M	$34.47M	$20.58M	$59.71M	$68.21M	$42.31M	$43.94M	$41.98M	$37.83M	$34.70M
Capital Expenditures	$7.32M	$5.09M	$5.60M	$7.08M	$14.25M	$7.14M	$5.13M	$7.79M	$5.10M	$2.60M	$1.44M
Free Cash Flow	$44.65M	$36.19M	$28.87M	$13.50M	$45.46M	$61.07M	$37.18M	$36.16M	$36.87M	$35.23M	$33.25M
Share Repurchases	$2.07M	$10.24M	$6.79M	$3.61M	$2.87M	$2.66M	$1.58M	$2.47M	$2.10M	$3.25M	$2.14M
Dividends Paid	n/a	n/a	n/a	n/a	$17.44M	$16.30M	$15.74M	$15.21M	$14.39M	$13.60M	$13.09M
Shares Outstanding	16.55M	16.45M	16.74M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Dividends Per Share	n/a	$1.14	$1.09	$1.06	$1.03	$0.96	$0.96	$0.96	$0.94	$0.92	$0.92
Weighted Average Diluted Shares	n/a	16.51M	16.75M	17.04M	17.06M	17.05M	16.42M	15.90M	15.37M	14.84M	14.30M
EPS (Basic)	n/a	$2.65	$1.77	$1.77	$2.86	$2.93	$2.49	$2.36	$2.37	$1.99	$1.87

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