Arrow Financial CorporationAROWNASDAQ

Revenue (LTM)

$243M

+8.7% YoY

Net Income (LTM)

$44M

+47.9% YoY

Free Cash Flow

$36M

Revenue CAGR (5Y)

+10.9%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	148	161↑8.5%	192↑19.4%	223↑16.4%	243↑8.7%
Gross Profit	142	144↑1.4%	131↓9.6%	135↑3.1%	158↑17.6%
Operating Income	64	63↓2.3%	38↓40.4%	37↓0.4%	55↑48.3%
Net Income	50	49↓2.1%	30↓38.4%	30↓1.2%	44↑47.9%
EBITDA	72	70↓2.4%	44↓37.2%	43↓3.4%	55↑29.7%
EPS Diluted	2.92	2.86↓2.1%	1.77↓38.1%	1.77↓0.0%	2.65↑49.7%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	458	65↓85.9%	143↑120.4%	155↑8.4%	29↓81.1%
Total Current Assets	1,017	638↓37.3%	640↑0.3%	618↓3.5%	29↓95.3%
Total Assets	4,028	3,970↓1.5%	4,170↑5.0%	4,306↑3.3%	4,446↑3.2%
Total Current Liabilities	3,550	3,525↓0.7%	3,708↑5.2%	3,828↑3.2%	722↓81.1%
Total Liabilities	3,657	3,616↓1.1%	3,790↑4.8%	3,905↑3.0%	4,014↑2.8%
Total Equity	371	354↓4.8%	380↑7.4%	401↑5.6%	432↑7.7%
Total Debt	70	107↑52.4%	72↓33.1%	34↓53.0%	29↓13.1%
Net Debt	-388	42↑110.9%	-71↓267.9%	-121↓70.4%	0↑100.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	68	60↓12.5%	21↓65.5%	34↑67.5%	41↑19.8%
Capital Expenditure	-7	-14↓99.7%	-7↑50.3%	-6↑21.0%	-5↑9.1%
Free Cash Flow	61	45↓25.6%	13↓70.3%	29↑113.9%	36↑25.3%
Stock-Based Comp	1	1↑8.7%	1↓4.2%	1↓1.7%	1↓15.6%
Net Change in Cash	77	-393↓612.4%	78↑119.8%	12↓84.6%	60↑396.6%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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