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Arrow Financial AROW Net margin

Net margin at other companies

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KeyCorpKEY
26.1%+22.6pp
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Trustco Bank CorpTRST
33%+3.1pp
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26.6%+1.6pp
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27.1%+11.5pp
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32.4%—
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Eagle Financial ServicesEFSI
20.6%+8.6pp

Other financials

Income statement

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Revenue$35.0M+7.1%
Net income$11.0M+1.5%
EPS (diluted)$0.66+1.5%

Balance sheet

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Total debt$315.1M+1,622%
Total equity$446.3M+9.3%
Total assets$4.5B+1.5%

Cash flow

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Operating cash flow$15.8M+53.7%
CapEx$4.2M+110%
Free cash flow$11.6M+40.0%

Valuation

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Market cap$651.88M+43.9%
P/E12.7×-2.1×

Profitability

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FCF margin27.8%-4.0pp

Returns & leverage

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Return on equity12%+4.3pp
Debt / equity0.7×+0.7×

Where this comes from

Calculated from Arrow Financial’s reported figures.

net income/total revenue=23.4%

Based on trailing twelve months.

The source filing: Arrow Financial’s 10-Q, filed August 8, 2025. Open the filing →

Filed
Aug 8, 2025
Fiscal quarter
Q2 FY2025
Calendar quarter
Q2 2025
Accession
0000717538-25-000079

FAQ

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.

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