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

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

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Columns are period end dates

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