Arrow Financial Corp (AROW)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 43,953 | 29,709 | 30,075 | 48,799 | 49,857 |
| Depreciation Amortization | 5,418 | 5,361 | 6,718 | 7,548 | 7,826 |
| Income taxes - deferred | 193 | -789 | 1,799 | -1,252 | 945 |
| Other Working Capital | -4,403 | -8,015 | -19,460 | -72 | 8,903 |
| Loans | -2,624 | -593 | 491 | 498 | 9,931 |
| Other Operating Activity | -1,257 | 8,796 | 957 | 4,192 | -9,256 |
| Operating Cash Flow | $41,280 | $34,469 | $20,580 | $59,713 | $68,206 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -1,942 | -2,271 | -4,374 | -12,775 | -5,590 |
| Net Acquisitions | N/A | 32,354 | N/A | N/A | N/A |
| Purchase Of Investment | -157,421 | -156,523 | -80,817 | -196,928 | -332,780 |
| Sale Of Investment | 176,099 | 225,000 | 232,132 | 136,188 | 148,891 |
| Net Loans | -75,169 | -187,510 | -228,899 | -319,547 | -85,123 |
| Other Investing Activity | -3,017 | 0 | -692 | 0 | 0 |
| Investing Cash Flow | $-61,450 | $-88,950 | $-82,650 | $-393,062 | $-274,602 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -4,335 | -17,900 | -28,300 | 9,800 | -17,486 |
| Debt Repayment | -76 | -61 | -53 | -50 | -48 |
| Common Stock Issued | 581 | 724 | 688 | 3,012 | 3,822 |
| Common Stock Repurchased | -10,240 | -6,790 | -3,608 | -2,872 | -2,662 |
| Dividend Paid | -18,897 | -18,286 | -17,983 | -17,444 | -16,296 |
| Other Financing Activity | 1,235 | 6,120 | 0 | 0 | 0 |
| Financing Cash Flow | $79,807 | $66,491 | $139,946 | $-59,687 | $283,101 |
| Beginning Cash Position | 154,546 | 142,536 | 64,660 | 457,696 | 380,991 |
| End Cash Position | 214,183 | 154,546 | 142,536 | 64,660 | 457,696 |
| Net Cash Flow | $59,637 | $12,010 | $77,876 | $-393,036 | $76,705 |
| Free Cash Flow | |||||
| Operating Cash Flow | 41,280 | 34,469 | 20,580 | 59,713 | 68,206 |
| Capital Expenditure | -5,089 | -5,597 | -7,081 | -14,250 | -7,137 |
| Free Cash Flow | 36,191 | 28,872 | 13,499 | 45,463 | 61,069 |