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Arrow Financial AROW Free cash flow

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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%

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
FCF margin27.8%-4.0pp

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.

The official record: Arrow Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Arrow Financial's free cash flow?
Arrow Financial (AROW) reported free cash flow of $13.94M in Q1 2026.
How has Arrow Financial's free cash flow changed year-over-year?
Arrow Financial's free cash flow increased by 58.5% year-over-year, from $8.8M to $13.94M.
What is the long-term trend for Arrow Financial's free cash flow?
Over 3 years (2021 to 2025), Arrow Financial's free cash flow has grown at a -16.0% compound annual growth rate (CAGR), from $61.07M to $36.19M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.