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Arrow Financial Corporation logo
Arrow Financial Corporation AROW
$ 38.74 -0.87%
report update icon

Quarterly report 2026-Q3
added 11-09-2026

Arrow Financial Corporation Income Statement 2025-2008 | AROW

Brief overview of financial performance at Arrow Financial Corporation

The conclusions below are based on five years of reported results. Revenue reported by Arrow Financial Corporation was 94 million dollars at the beginning of the period and 132 million dollars at the end. The total change was +40.2%, with a CAGR of approximately 7%. This represents moderate business growth.

The net result moved from $24.7 million to $40.8 million, or +65.5%. Net profit ended the five years at a local peak.

The five-year change in capitalization reached +20.8%: from 376 million dollars to 455 million dollars. Market value lagged the financial performance.

Summary assessment

The key indicators are moving favorably, but the picture is not uniformly strong. Key strengths include a larger revenue base and net-income growth. Future reports should be judged by revenue momentum, margins, and the conversion of sales into net income.

Annual Income Statement Arrow Financial Corporation

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

Market Cap

548 M 556 M 428 M 427 M 584 M 455 M 474 M 484 M 401 M 395 M 274 M 255 M 228 M 238 M 179 M 225 M 228 M -

Shares

16.5 M 16.7 M 17 M 17 M 17 M 15.5 M 15.8 M 15.3 M 14.7 M 14.2 M 13.7 M 13.2 M 12.8 M 11.8 M 12.2 M 11.8 M 11.6 M -

Historical Prices

33.2 33.2 25.1 25.1 34.4 31.1 29.9 31.7 27.2 27.8 20 19.3 17.8 15.7 14.7 19 19.7 16.6

Net Income

44 M 29.7 M 30.1 M 48.8 M 49.9 M 40.8 M 37.5 M 36.3 M 29.3 M 26.5 M 24.7 M 23.4 M 21.8 M - 21.9 M 21.9 M 21.8 M -

Revenue

- - - - - 132 M 117 M 113 M 105 M 99.4 M 94 M 89.4 M 84.3 M - 84 M - - -

Cost of Revenue

56.3 M 52.7 M 47.7 M 47 M 44.8 M 42.1 M 38.4 M 38.8 M 37.7 M 34.6 M 33.1 M 30.9 M 31.2 M 31.7 M 30.2 M 27.6 M 27 M -

Gross Profit

- - - - - 112 M 78.2 M 74.2 M 67.6 M 64.8 M 61 M 58.5 M 53.1 M - 53.8 M - - -

Interest Expense

77 M 83.3 M 57.7 M 11.3 M 5.2 M 12.7 M 21.7 M 12.5 M 7.01 M 5.36 M 4.81 M 5.77 M 7.92 M 12 M 18.7 M 23.7 M 26.5 M -

EBITDA

5.42 M 5.36 M 6.72 M 7.55 M 7.83 M 3.69 M 5.5 M 4.75 M 5.4 M 5.94 M 6.29 M 7.04 M 8.87 M - 6.51 M 3.56 M 2.81 M -

Operating Expenses

- - - - - 8.96 M 91 M 80 M 72 M 67 M 64 M 62 M 61 M 65 M 71 M - - -

General and Administrative Expenses

- - - - - 44.8 M 40.4 M 48 M 45.7 M 42.9 M 40.8 M 38.4 M 38.3 M - 31.5 M - - -

All numbers in USD currency

Quarterly Income Statement Arrow Financial Corporation

2026-Q3 2026-Q2 2026-Q1 2025-Q4 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Shares

18.4 M 16.4 M 16.4 M -38.3 K 16.4 M 16.5 M 16.7 M -6.82 K 16.7 M 16.7 M 16.9 M -11.7 K 17 M 17 M 16.6 M - 17 M 16.5 M 16.5 M - 16.5 M 16 M 16 M - 15.9 M 15.4 M 15.4 M - 15.4 M 14.9 M 14.9 M - 14.9 M 14.4 M 14.4 M - 14.3 M 13.9 M 13.9 M - 13.8 M 13.4 M 13.3 M - 13.3 M 12.9 M 12.9 M - 12.9 M 12.6 M 12.6 M - 12.6 M 12.3 M 12.3 M - 12.3 M 12 M 12 M - 12 M 11.7 M 11.7 M

Net Income

5.67 M 11 M 13.5 M 13.9 M 12.8 M 10.8 M 6.31 M 4.47 M 8.98 M 8.6 M 7.66 M - 7.74 M 6.05 M 8.56 M - 12.2 M 12 M 12.6 M - 13 M 13.3 M 13.3 M - 11 M 9.16 M 8.13 M - 10.1 M 8.93 M 8.73 M - 9.26 M 9.73 M 8.53 M - 7.42 M 7.21 M 6.63 M - 6.74 M 6.65 M 6.55 M - 5.93 M 6.3 M 5.86 M - 6.15 M 5.52 M 5.32 M - 5.62 M 5.21 M 5.18 M - 5.75 M 5.59 M 5.29 M - 5.37 M 5.85 M 5.28 M

Cost of Revenue

19.4 M 15.1 M 14.9 M 14.3 M 14.3 M 14.1 M 13.6 M 13.3 M 13.4 M 13 M 12.9 M 11.7 M 12 M 12 M 11.9 M - 12.4 M 11.7 M 11.3 M - 11.4 M 10.8 M 11.1 M - 10.4 M 10.2 M 10.4 M - 10 M 9.73 M 9.32 M - 9.77 M 9.81 M 9.37 M - 9.38 M 9.21 M 9.15 M - 8.69 M 8.41 M 8.12 M - 8.7 M 8.19 M 7.69 M - 7.78 M 7.88 M 7.64 M - 7.86 M 7.64 M 7.62 M - 7.96 M 7.79 M 7.9 M - 7.93 M 7.23 M 7.2 M

Operating Income

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 8.47 M -

Interest Expense

19.3 M 17.7 M 17.7 M 19.5 M 19.5 M 19 M 19 M 21.2 M 21 M 27.2 M 20.2 M 25.6 M 25.4 M 25.8 M 8.02 M - 3.31 M 29 M 1.12 M - 1.17 M 28.4 M 1.54 M - 2.4 M 3.16 M 5.22 M - 5.65 M 5.52 M 5.09 M - 3.5 M 2.63 M 2.02 M - 1.95 M 1.7 M 1.54 M - 1.4 M 1.28 M 1.26 M - 1.25 M 1.24 M 1.09 M - 1.4 M 1.56 M 1.59 M - 1.75 M 2.22 M 2.24 M - 2.64 M 3.28 M 3.53 M - 4.34 M 4.98 M 5.34 M

EBITDA

- 2.58 M 1.25 M - 1.51 M - - - 1.36 M - - - 1.53 M - - - 5.84 M - 1.94 M - 5.89 M - 1.95 M - 4.67 M 3.5 M 1.6 M - 3.99 M 2.52 M 1.31 M - 3.58 M 2.41 M 1.2 M - 4.25 M 2.99 M 1.52 M - 4.6 M 3.11 M 1.58 M - 4.84 M 3.27 M 1.63 M - 5.62 M 3.85 M 1.96 M - 6.91 M 4.78 M 2.37 M - 6.56 M 4.36 M 2.04 M - 4.6 M 11.4 M 1.41 M

All numbers in USD currency

The income statement is one of the three key financial reports of a company Arrow Financial Corporation (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:

  • How much revenue the company earned
  • How much it spent on production, personnel, marketing, taxes, etc.
  • What profit remained in the end

Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.

Features
  • The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
  • Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
  • A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.

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