Arrow Financial Corporation (AROW)
NASDAQ: AROW · Real-Time Price · USD
38.47
-0.14 (-0.36%)
Nov 6, 2026, 4:00 PM EST - Market closed
Arrow Financial Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 53.17 | 29.13 | 27.42 | 36.76 | 64.66 | 457.7 |
Investment Securities | 1,019 | 382.71 | 392.51 | 463.21 | 348.18 | 296.89 |
Trading Asset Securities | - | 7.94 | 12.66 | 11.21 | 7.51 | 2.08 |
Mortgage-Backed Securities | - | 370.79 | 301.04 | 278.71 | 408.92 | 466.12 |
Total Investments | 1,019 | 761.43 | 706.21 | 753.13 | 764.6 | 765.09 |
Gross Loans | 4,145 | 3,453 | 3,395 | 3,213 | 2,983 | 2,668 |
Allowance for Loan Losses | -41.13 | -34.32 | -33.6 | -31.27 | -29.95 | -27.28 |
Net Loans | 4,103 | 3,419 | 3,361 | 3,182 | 2,953 | 2,641 |
Property, Plant & Equipment | 76.21 | 63.61 | 64.35 | 64.59 | 62.12 | 53.16 |
Goodwill | 69.81 | 23.79 | 23.79 | 21.87 | 21.87 | 21.87 |
Other Intangible Assets | 18.38 | 1.34 | 1.65 | 0.54 | 0.72 | 0.91 |
Other Real Estate Owned & Foreclosed | 0.23 | 0.28 | 0.46 | 0.31 | 0.59 | 0.13 |
Other Long-Term Assets | 206.62 | 143.14 | 117.18 | 111.03 | 101.69 | 88.44 |
Total Assets | 5,547 | 4,446 | 4,306 | 4,170 | 3,970 | 4,028 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 3,372 | 3,061 | 2,933 | 2,750 | 2,585 | 2,657 |
Institutional Deposits | 229.69 | 155.8 | 191.96 | 179.3 | 76.22 | 82.81 |
Non-Interest Bearing Deposits | 1,137 | 722.37 | 702.98 | 758.43 | 836.87 | 810.27 |
Total Deposits | 4,739 | 3,939 | 3,828 | 3,688 | 3,498 | 3,550 |
Short-Term Borrowings | - | 3.48 | 8.64 | 34.6 | 34.51 | 2.08 |
Current Portion of Long-Term Debt | - | - | 6.9 | 4.25 | 27.8 | 5 |
Current Portion of Leases | - | 1.04 | - | - | - | - |
Federal Home Loan Bank Debt, Long-Term | 185.19 | 4.27 | 1.7 | 2.25 | - | 40 |
Long-Term Leases | 4.87 | 8.28 | 9.85 | 10.22 | 10.94 | 12.29 |
Trust Preferred Securities | 28.25 | 20 | 20 | 20 | 20 | 20 |
Other Long-Term Liabilities | 74.76 | 37.47 | 30.43 | 31.22 | 24.36 | 26.89 |
Total Liabilities | 5,032 | 4,014 | 3,905 | 3,790 | 3,616 | 3,657 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 22.07 | 22.07 | 22.07 | 22.07 | 21.42 | 20.8 |
Additional Paid-In Capital | 468.44 | 414.51 | 413.48 | 412.55 | 400.27 | 378 |
Retained Earnings | 116.95 | 102.27 | 77.22 | 65.79 | 65.4 | 54.08 |
Treasury Stock | -74.04 | -102.96 | -93.4 | -87.22 | -83.9 | -82.04 |
Comprehensive Income & Other | -18.32 | -4.04 | -18.45 | -33.42 | -49.66 | 0.35 |
Shareholders' Equity | 515.09 | 431.85 | 400.9 | 379.77 | 353.54 | 371.19 |
Total Liabilities & Equity | 5,547 | 4,446 | 4,306 | 4,170 | 3,970 | 4,028 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 218.3 | 37.07 | 47.09 | 71.31 | 93.25 | 79.38 |
Net Cash (Debt) | 160.47 | 185.05 | 120.12 | 82.43 | -21.08 | 380.4 |
Net Cash Growth | -55.88% | 54.05% | 45.73% | - | - | 32.37% |
Net Cash Per Share | 9.47 | 11.21 | 7.17 | 4.84 | -1.24 | 22.31 |
Filing Date Shares Outstanding | 18.54 | 16.51 | 16.72 | 16.55 | 17.05 | 16.99 |
Total Common Shares Outstanding | 18.54 | 16.45 | 16.74 | 16.94 | 17.05 | 17.02 |
Book Value Per Share | 27.79 | 26.26 | 23.94 | 22.42 | 20.74 | 21.81 |
Tangible Book Value | 426.9 | 406.72 | 375.46 | 357.36 | 330.95 | 348.41 |
Tangible Book Value Per Share | 23.03 | 24.73 | 22.43 | 21.09 | 19.41 | 20.47 |