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ARROW FINANCIAL CORP

AROW

$39.37 ▼ -0.54 (-1.35%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

ARROW FINANCIAL CORP shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $649.7M

Dividend Yield 2.90%

Revenue Growth None

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 14.9x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.02

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$133.95M

↓ -10.2% —

Net Income Profit after all expenses

$43.95M

↑ +47.9% —

Long-Term Debt Long-term obligations

$4.26M

↓ -50.4% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.14 Latest / share

+4.6% YoY

+1.5% 12-yr CAGR

$0.97

FY 2014

$0.96

FY 2015

$0.95

FY 2016

$0.95

FY 2017

$0.97

FY 2018

$1.02

FY 2019

$0.99

FY 2020

$0.99

FY 2021

$1.03

FY 2022

$1.06

FY 2023

$1.09

FY 2024

$1.14

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	—	—	-10.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-271%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	8.2% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	7.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-5%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	4.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	0.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	—	—
EPS Growth YoY (%)	49.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-38.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	2.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	2.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	19.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.2% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	4.6% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-3.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-3.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	0.5% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	47.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.2% Weak ↑ Weak Improving Year-over-year change in net income	-38.4% Weak ↓ Weak Declining Year-over-year change in net income	-2.1% Weak ↓ Weak Declining Year-over-year change in net income	22.1% Good ↑ Good Improving Year-over-year change in net income	8.9% Fair ↓ Fair Declining Year-over-year change in net income	3.3% Caution ↓ Caution Declining Year-over-year change in net income	23.7% Good ↑ Good Improving Year-over-year change in net income	10.5% Fair ↑ Fair Improving Year-over-year change in net income	7.6% Fair ↑ Fair Improving Year-over-year change in net income	5.6% Fair ↑ Fair Improving Year-over-year change in net income	7.2% Fair ↑ Fair Improving Year-over-year change in net income	-1.7% Weak ↓ Weak Declining Year-over-year change in net income	1.1% Caution ↑ Caution Improving Year-over-year change in net income	0.2% Caution Caution Year-over-year change in net income	0.5% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	—	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak Weak Compound annual revenue growth over 3 years	1.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	—	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.2% Caution Caution Compound annual revenue growth over 5 years	2.3% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-2.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-16.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.7% Fair → Fair Stable Compound annual EPS growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	0.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-0.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-2.7% Weak Weak Compound annual EPS growth over 3 years	-1.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Profit Margin (%) (%)	—	—	22.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	32.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	31.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	26.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	26.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	25.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	26.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	26.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	27.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	12.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	11.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	14.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	15.5% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	1.24x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.90x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.92x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-23%)	0.75x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.35x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.41x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.65x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	—	—	$7.86	$8.77	$8.65	$8.28	$7.80	$7.61	$7.36	$7.21	$7.08	$6.95	$6.72	$6.90	$7.02	$6.93	$6.91	—
Basic EPS, GAAP (USD)	$2.65	$1.77	$1.77	$2.86	$3.02	$2.56	$2.51	$2.44	$2.05	$1.92	$1.86	$1.82	$1.74	$1.81	$1.83	$1.89	$1.88	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.14	$1.09	$1.06	$1.03	$0.99	$0.99	$1.02	$0.97	$0.95	$0.95	$0.96	$0.97	$0.97	$0.97	$0.96	$0.95	$0.92	—
Book Value per Share (USD)	$26.26	$23.94	$22.29	$20.79	$22.50	$20.99	$20.20	$18.17	$17.44	$16.88	$16.11	$15.63	$15.32	$14.36	$13.90	$13.12	$12.17	—
Tangible Book Value per Share (USD)	$24.81	$22.52	$21.01	$19.50	$21.17	$19.62	$18.73	$16.69	$15.91	$15.30	$14.46	$13.92	$13.57	$12.56	$12.06	$11.76	$12.17	—
Basic Weighted Avg Shares (shares)	16.50M	16.74M	17.04M	17.01M	16.50M	15.93M	14.94M	14.84M	14.31M	13.79M	13.28M	12.86M	12.54M	12.25M	11.97M	11.60M	11.57M	—
Dividend Payout Ratio (%)	43.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	61.6% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$4.26M	$8.60M	$6.50M	$27.80M	$45.00M	$45.00M	$30.00M	$45.00M	$55.00M	$55.00M	$55.00M	$10.00M	$20.00M	$30.00M	$40.00M	—	—	—
Total Equity (USD)	$431.85M	$400.90M	$379.77M	$353.54M	$371.19M	$334.39M	$301.73M	$269.58M	$249.60M	$232.85M	$213.97M	$200.93M	$192.15M	$175.82M	$166.38M	$152.26M	$140.82M	$125.80M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	$133.95M	$149.24M	$142.72M	$131.86M	$116.60M	$112.97M	$105.30M	$99.39M	$94.05M	$89.41M	$84.28M	$84.52M	$84.04M	$80.37M	$79.96M	—
Depreciation Expense (USD)	$4.73M	$4.43M	$3.75M	$3.33M	$2.99M	$2.76M	$2.21M	$1.89M	$1.92M	$1.93M	$1.89M	$1.88M	$1.93M	$1.52M	$1.38M	—	—	—
Net Income, GAAP (USD)	$43.95M	$29.71M	$30.07M	$48.80M	$49.86M	$40.83M	$37.48M	$36.28M	$29.33M	$26.53M	$24.66M	$23.36M	$21.80M	$22.18M	$21.93M	$21.89M	$21.79M	—
Operating Cash Flow (USD)	$41.28M	$34.47M	$20.58M	$59.71M	$68.21M	$42.31M	$43.94M	$41.98M	$37.83M	$34.70M	$28.93M	$30.64M	$36.67M	$32.46M	$36.09M	$10.22M	$19.33M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	—	—	2.5%	3.0%	2.7%	2.7%	2.8%	2.8%	2.8%	2.7%	2.7%	2.8%	2.6%	2.8%	3.0%	3.2%	—	—
Efficiency Ratio (%) (%)	—	—	69.5%	54.6%	54.7%	53.6%	57.8%	57.6%	59.6%	60.0%	61.1%	60.4%	63.1%	61.3%	61.3%	59.0%	58.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 65 quarters

ARROW FINANCIAL CORP

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18-Year Financial Trajectory

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