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Arrow Financial AROW Free cash flow margin

Free cash flow margin at other companies

KeyCorp logo
KeyCorpKEY
28.4%
Trustco Bank Corp logo
Trustco Bank CorpTRST
30.8%+7.0pp
Community Financial System logo
Community Financial SystemCBU
28.9%+3.3pp
Independent Bank Corporation logo
Independent Bank CorporationIBCP
16.6%-7.1pp
ACNB logo
ACNBACNB
39.5%+20.6pp
Financial Institutions logo
Financial InstitutionsFISI
33%-35.0pp

Other financials

Income statement

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Revenue$35.0M+7.1%
Net income$13.5M+114%
EPS (diluted)$0.82+116%

Balance sheet

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Total debt$14.1M+41.0%
Total equity$440.1M+8.8%
Total assets$4.5B+1.6%

Cash flow

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Operating cash flow$15.2M+51.4%
CapEx$1.3M+2.2%
Free cash flow$13.9M+58.5%

Valuation

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Market cap$663.47M+60.5%
P/E13×-1.6×
P/S4.9×+1.5×

Profitability

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Net margin23.4%-3.6pp

Returns & leverage

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Return on equity12.1%+4.9pp
Debt / equity0.0×

Where this comes from

Calculated from Arrow Financial’s reported figures.

Based on trailing twelve months.

The official record: Arrow Financial’s 10-Q, filed November 7, 2024, on SEC EDGAR. View the filing →

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Questions, answered.

What is Arrow Financial's free cash flow margin?
Arrow Financial (AROW) reported free cash flow margin of 27.8% in Q3 2023.
How has Arrow Financial's free cash flow margin changed year-over-year?
Arrow Financial's free cash flow margin decreased by 12.6% year-over-year, from 31.9% to 27.8%.
What is the long-term trend for Arrow Financial's free cash flow margin?
Over 2 years (2020 to 2022), Arrow Financial's free cash flow margin has grown at a 3.9% compound annual growth rate (CAGR), from 28.2% to 30.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.