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Arrow Financial AROW Deposits, Negotiable Order of Withdrawal (NOW)

Deposits, Negotiable Order of Withdrawal (NOW) at other companies

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$1.08B+1.0%

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
FCF margin27.8%-4.0pp

Returns & leverage

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

Where this comes from

Reported directly by Arrow Financial in its filing.

Tagged under the XBRL concept us-gaap:DepositsNegotiableOrderOfWithdrawalNOW.

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 deposits, negotiable order of withdrawal (NOW)?
Arrow Financial (AROW) reported deposits, negotiable order of withdrawal (NOW) of $898.17M in Q1 2026.
How has Arrow Financial's deposits, negotiable order of withdrawal (NOW) changed year-over-year?
Arrow Financial's deposits, negotiable order of withdrawal (NOW) decreased by 2.8% year-over-year, from $924.2M to $898.17M.
What is the long-term trend for Arrow Financial's deposits, negotiable order of withdrawal (NOW)?
Over 5 years (2020 to 2025), Arrow Financial's deposits, negotiable order of withdrawal (NOW) has grown at a 0.7% compound annual growth rate (CAGR), from $832.43M to $862.19M.
What does deposits, negotiable order of withdrawal (NOW) mean?
NOW accounts are interest-bearing transaction accounts that allow customers to withdraw funds via negotiable instruments. These deposits represent a hybrid between traditional checking and savings accounts, serving as a stable source of core funding for the bank. The volume of these deposits reflects the bank's success in capturing retail and small business liquidity.