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Arrow Financial Corporation (AROW)
NASDAQ: AROW · Real-Time Price · USD
39.26
+0.90 (2.35%)
At close: Nov 2, 2026, 4:00 PM EST
39.26
0.00 (0.00%)
After-hours: Nov 2, 2026, 4:04 PM EST

Arrow Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
43.9529.7130.0848.849.86
Depreciation & Amortization
5.425.366.727.557.83
Gain (Loss) on Sale of Assets
0.290.40.190.170.28
Gain (Loss) on Sale of Investments
-0.542.910.09-0.43-0.11
Provision for Credit Losses
7.275.183.384.80.27
Net Decrease (Increase) in Loans Originated / Sold - Operating
-1.81-0.380.520.5812.32
Change in Other Net Operating Assets
-1.78-7.42-19.95-0.57-1.03
Other Operating Activities
-11.97-1.92-1.25-1.990.32
Operating Cash Flow
41.2834.4720.5859.7168.21
Operating Cash Flow Growth
19.76%67.49%-65.53%-12.45%61.19%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-5.09-5.6-7.08-14.25-7.14
Sale of Property, Plant and Equipment
3.153.332.711.481.55
Cash Acquisitions
-32.35---
Investment in Securities
18.767.78150.3-60.06-183.86
Net Decrease (Increase) in Loans Originated / Sold - Investing
-75.17-187.51-228.9-319.55-85.12
Other Investing Activities
-3.040.70.32-0.68-0.03
Investing Cash Flow
-61.45-88.95-82.65-393.06-274.6

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
-102.1256.527-
Total Debt Issued
-102.1256.527-
Long-Term Debt Repaid
-4.41-120.06-284.85-17.25-17.53
Total Debt Repaid
-4.41-120.06-284.85-17.25-17.53
Net Debt Issued (Repaid)
-4.41-17.96-28.359.75-17.53
Issuance of Common Stock
0.580.720.693.013.82
Repurchase of Common Stock
-10.24-6.79-3.61-2.87-2.66
Common Dividends Paid
-18.9-18.29-17.98-17.44-16.3
Net Increase (Decrease) in Deposit Accounts
111.54102.68189.2-52.13315.77
Other Financing Activities
1.246.12---
Financing Cash Flow
79.8166.49139.95-59.69283.1

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
59.6412.0177.88-393.0476.71

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
36.1928.8713.545.4661.07
Free Cash Flow Growth
25.35%113.88%-70.31%-25.55%64.24%
Free Cash Flow Margin
22.86%21.45%10.34%31.47%42.87%
Free Cash Flow Per Share
2.191.720.792.673.58

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
77.2184.4951.835.755.37
Cash Income Tax Paid
18.658.856.6413.0214.76
SEC Filings: 10-K · 10-Q