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Arrow Financial Corporation (AROW)
Financial Services · Banks - Regional · NasdaqGS
Arrow Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $149.24M | $133.95M | $139.81M | $165.60M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $26.53M | $29.33M | $36.28M | $37.48M | $40.83M | $49.86M | $48.80M | $30.07M | $29.71M | $43.95M |
| Net margin | — | — | — | — | — | — | 32.7% | 22.5% | 21.3% | 26.5% |
Source: Arrow Financial Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into AROW stock?
At today's market cap of $624.30M, Arrow Financial Corporation is priced for free-cash-flow growth of about 5.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $36.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -0.5%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Arrow Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Arrow Financial Corporation financial history by metric
About Arrow Financial Corporation
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and enhancement to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses, as well as maintains an indirect lending program. In addition, it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. Further, the company offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products. The company was founded in 1851 and is headquartered in Glens Falls, New York.
Arrow Financial Corporation — frequently asked questions
What is Arrow Financial Corporation's revenue?
Arrow Financial Corporation (AROW) reported revenue of $165.60M for fiscal year 2025, up 18.4% from the prior year, according to its SEC filings.
Is Arrow Financial Corporation profitable?
Yes. AROW earned net income of $43.95M in fiscal 2025, a net margin of 26.5%.
What is AROW's P/E ratio?
Arrow Financial Corporation trades at a price-to-earnings ratio of about 12.2 based on the latest data in our nightly-refreshed cache.
How much debt does Arrow Financial Corporation have?
As of fiscal year 2025, AROW carried roughly $28.53M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Arrow Financial Corporation's market cap?
Arrow Financial Corporation (AROW) has a market capitalization of about $624.30M, based on the latest data in our nightly-refreshed cache.
When does Arrow Financial Corporation's fiscal year end?
AROW's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into AROW stock?
At today's market cap of $624.30M, Arrow Financial Corporation is priced for free-cash-flow growth of about 5.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $36.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -0.5%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Arrow Financial Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.