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Arrow Financial AROW Net margin

Net margin at other companies

KeyCorpKEY

25.4%+24.9pp

Trustco Bank CorpTRST

32.9%+3.9pp

Community Financial SystemCBU

26.1%+1.1pp

Independent Bank CorporationIBCP

30.3%+0.7pp

ACNBACNB

25.7%+7.7pp

Financial InstitutionsFISI

31.5%—

Other financials

Income statement

Revenue$35.0M+7.1%

Net income$13.5M+114%

EPS (diluted)$0.82+116%

Balance sheet

Total debt$14.1M+41.0%

Total equity$440.1M+8.8%

Total assets$4.5B+1.6%

Cash flow

Operating cash flow$15.2M+51.4%

CapEx$1.3M+2.2%

Free cash flow$13.9M+58.5%

Valuation

Market cap$663.47M+60.5%

P/E13×-1.6×

P/S4.9×+1.5×

Profitability

FCF margin27.8%-4.0pp

Returns & leverage

Return on equity12.1%+4.9pp

Debt / equity0×0.0×

Where this comes from

Calculated from Arrow Financial’s reported figures.

net income/total revenue=23.4%

Based on trailing twelve months.

The official record: Arrow Financial’s 10-Q, filed August 8, 2025, on SEC EDGAR. View the filing →

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Harbor at dusk

Questions, answered.

What is Arrow Financial's net margin?: Arrow Financial (AROW) reported net margin of 23.4% in Q2 2024.
How has Arrow Financial's net margin changed year-over-year?: Arrow Financial's net margin decreased by 13.5% year-over-year, from 27% to 23.4%.
What is the long-term trend for Arrow Financial's net margin?: Over 3 years (2020 to 2023), Arrow Financial's net margin has grown at a -10.2% compound annual growth rate (CAGR), from 31% to 22.5%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.