Saturday 17 October 2026 Export AROW’s income statement to Excel — free account

Arrow Financial Corporation

Arrow Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $242.6 million, up 8.75% from fiscal 2024. In the quarter to June 2026, revenue grew 4.55%, EPS grew 1.54%, free cash flow grew 37.2% and total debt was flat, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

36.85 0.05 +0.14%

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Market cap: $681.7M
P/E: 11.9×
Fwd P/E: 13.8×
Dividend yield: 3.23%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	13.67	11.85	10.86	13.22
P/S ratio Full definition →		1.98	2.14	2.23	2.70
P/FCF ratio Full definition →		12.10	13.17	12.41	14.11
P/Operating CF Full definition →		30.90	87.70	36.08	42.63
P/B ratio Full definition →		1.11	1.20	1.25	1.51
Price to Tangible BV Full definition →		1.18	1.28	1.33	1.60
EV/Sales Full definition →		0.39	1.36	1.17	2.05
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		2.24	7.97	6.23	9.84
EV/FCF Full definition →		2.39	8.36	6.53	10.72
Quick Ratio Full definition →		0.10	0.05	0.07	0.05
Current Ratio Full definition →		0.93	0.92	0.92	0.92
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		0.54%	0.56%	0.55%	0.56%
Debt/Equity Full definition →		0.06	0.06	0.06	0.06
Asset Turnover Full definition →		0.05	0.06	0.06	0.06
Operating CF/Net income Full definition →		1.17	0.42	1.13	1.44
Capex/Depreciation Full definition →		0.07	(0.16)	(0.67)	(2.50)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		42.12%	42.38%	43.92%	48.96%
Intangible Assets out of Total Assets Full definition →		0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →		0.37%	0.38%	0.57%	0.71%
Graham Net Nets Full definition →		(0.78)	(0.74)	(0.71)	(0.58)
Graham Number Full definition →		34.44	39.50	43.22	43.53
Earnings Yield Full definition →		7.31%	8.44%	9.20%	7.56%
Free Cash Flow Yield Full definition →		8.27%	7.59%	8.06%	7.09%
Revenue per Share Full definition →		3.80	3.81	3.81	3.77
Operating CF per Share Full definition →		0.92	0.36	0.93	0.96
Capex per Share Full definition →		0.01	(0.01)	(0.05)	(0.20)
Free Cash Flow per Share Full definition →		0.92	0.35	0.88	0.76
Cash per Share Full definition →		24.23	12.98	17.43	11.37
Shareholders Equity per Share Full definition →		25.47	26.17	26.87	27.17
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		25.47	26.17	26.87	27.17
Free Cash Flow Full definition →		15.13	5.70	14.41	12.48
Working Capital Full definition →		(299.05)	(310.78)	(327.69)	(318.25)
Capital Expenditures Full definition →		0.11	(0.21)	(0.83)	(3.32)
Net Current Asset Value Full definition →		(364.16)	(381.06)	(391.36)	(388.91)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.00	0.00	0.01	0.05
Price to Operating Income Full definition →		10.59	9.36	8.51	10.42
Other line items
Average Payables Full definition →		3,968.75	3,883.70	3,991.05	3,792.27
Average Assets Full definition →		4,499.28	4,376.11	4,485.45	4,448.54
Average Common Equity Full definition →		405.50	416.38	422.28	427.41

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Columns are period end dates

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