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Arrow Financial AROW Occupancy and equipment

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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$644.1M+42.2%
P/E12.6×-2.3×

Profitability

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Net margin23.4%-3.6pp
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

Reported directly by Arrow Financial in its filing.

Tagged under the XBRL concept us-gaap:OccupancyNet.

The source filing: Arrow Financial’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 1:50 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000717538-26-000117
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Total Non-Interest Income8,2567,60916,88415,448
NON-INTEREST EXPENSE
Salaries and Employee Benefits15,09714,08630,01927,641
Occupancy Expenses, Net2,1011,9524,5603,974
Technology and Equipment Expense4,7575,5899,80910,676
FDIC Assessments4416491,0261,319
Other Operating Expense5,0683,3768,9158,087
Total Non-Interest Expense27,46425,65254,32951,697

Item 1. FINANCIAL STATEMENTS

FAQ

What is Arrow Financial's occupancy and equipment?
Arrow Financial (AROW) reported occupancy and equipment of $2.1M in Q2 2026.
How has Arrow Financial's occupancy and equipment changed year-over-year?
Arrow Financial's occupancy and equipment increased by 7.6% year-over-year, from $1.95M to $2.1M.
What is the long-term trend for Arrow Financial's occupancy and equipment?
Over 4 years (2021 to 2025), Arrow Financial's occupancy and equipment has grown at a 7.5% compound annual growth rate (CAGR), from $5.81M to $7.76M.
What does occupancy and equipment mean?
Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

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