← ARROW FINANCIAL CORP AROW
Market Price
$39.32
Market Cap
$645.95M
P/E Ratio
14.84
Revenue (FY 2025)
↑19.2% YoY
$133.16M
3-Yr CAGR: 4.0%
Net Income
↑47.9% YoY
$43.95M
Net Margin: 33.0%
Free Cash Flow
↑25.3% YoY
$36.19M
FCF Yield: 5.60%
EPS (Diluted)
↑49.7% YoY
$2.65
Basic: $2.65
Return on Equity
Efficiency
10.2%
ROA: 1.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (AROW)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $71.6M | — | $66.2M | $26.5M | — | $1.97 | — | $34.7M | $33.3M | — |
| FY 2017 | $77.7M | +8.5% | $70.6M | $29.3M | +10.5% | $2.10 | +6.6% | $37.8M | $35.2M | +5.9% |
| FY 2018 | $84.0M | +8.2% | $71.5M | $36.3M | +23.7% | $2.50 | +19.0% | $42.0M | $36.9M | +4.7% |
| FY 2019 | $88.0M | +4.8% | $66.3M | $37.5M | +3.3% | $2.50 | 0.0% | $43.9M | $36.2M | -1.9% |
| FY 2020 | $99.2M | +12.7% | $86.5M | $40.8M | +8.9% | $2.64 | +5.6% | $42.3M | $37.2M | +2.8% |
| FY 2021 | $110.4M | +11.2% | $105.2M | $49.9M | +22.1% | $3.10 | +17.4% | $68.2M | $61.1M | +64.2% |
| FY 2022 | $118.3M | +7.2% | $107.0M | $48.8M | -2.1% | $2.95 | -4.8% | $59.7M | $45.5M | -25.6% |
| FY 2023 | $104.8M | -11.4% | $47.1M | $30.1M | -38.4% | $1.77 | -40.0% | $20.6M | $13.5M | -70.3% |
| FY 2024 | $111.7M | +6.6% | $28.5M | $29.7M | -1.2% | $1.77 | 0.0% | $34.5M | $28.9M | +113.9% |
| FY 2025 | $133.2M | +19.2% | $56.2M | $44.0M | +47.9% | $2.65 | +49.7% | $41.3M | $36.2M | +25.3% |
Valuation
Market Price
$39.32
Market Cap
$645.95M
Enterprise Value
$565.98M
P/E Ratio
14.84
P/B Ratio
1.50
FCF Yield
5.60%
Dividend Yield
2.90%
Shares Outstanding
Profitability & Margins
Gross Margin
42.19%
Operating Margin
1.50%
Net Margin
33.01%
Return on Equity (ROE)
10.18%
Return on Assets (ROA)
0.99%
Asset Turnover
0.03x
Revenue 3-Yr CAGR
4.01%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.010
Debt / Assets
0.001
Cash & Equivalents
$84.24M
Total Debt
$4.26M
Book Value / Share
$26.13
Cash Flow Efficiency
Operating Cash Flow
$41.28M
Capital Expenditures (CapEx)
$5.09M
Free Cash Flow
$36.19M
OCF / Revenue
31.00%
FCF / Revenue
27.18%
FCF 3-Yr CAGR
-7.32%
Per Share Metrics
EPS (Diluted)
$2.65
EPS (Basic)
$2.65
Dividends / Share
$1.14
Book Value / Share
$26.13
EPS YoY Growth
49.72%
Balance Sheet (FY 2025)
Total Assets
$4.45B
Total Liabilities
$2.59M
Stockholders' Equity
$431.85M
Current Assets
N/A
Current Liabilities
N/A