Arrow Financial Cash Flow Statement
NASDAQ: AROWFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Arrow Financial free cash flow
In fiscal 2025, Arrow Financial generated $41.3 million of operating cash flow and spent $5.1 million on capital expenditures. That left free cash flow of $36.2 million, a free-cash-flow margin of 22.9% of revenue. Free cash flow was up 25.3% from the prior year's $28.9 million.
Arrow Financial returned $29.1 million to shareholders: $18.9 million in dividends and $10.2 million in share repurchases, equal to 81% of free cash flow. Free cash flow covered dividend payments 1.9 times.
Summary generated from market data by MetaCap's automated system. Methodology
Arrow Financial cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 43.95M | 29.71M | 30.07M | 48.80M | 49.86M | 40.83M | 37.48M | 36.28M | 29.33M | 26.53M |
| Net Income growth (YoY) | +47.95% | -1.22% | -38.37% | -2.12% | +22.12% | +8.94% | +3.30% | +23.71% | +10.52% | +7.59% |
| Depreciation & Amortization | 5.42M | 5.36M | 6.72M | 7.55M | 7.83M | 6.87M | 5.50M | 4.75M | 5.40M | 5.94M |
| Stock-Based Compensation | 683.00K | 314.00K | 605.00K | 451.00K | 414.00K | 301.00K | 316.00K | 322.00K | 351.00K | 287.00K |
| Change in Working Capital | -1.78M | -7.42M | -19.95M | -570.00K | -1.03M | -1.75M | -2.50M | -1.86M | 825.00K | -521.00K |
| Operating Cash Flow | 41.28M | 34.47M | 20.58M | 59.71M | 68.21M | 42.31M | 43.94M | 41.98M | 37.83M | 34.70M |
| Capital Expenditures | -5.09M | -5.60M | -7.08M | -14.25M | -7.14M | -5.13M | -7.79M | -5.10M | -2.60M | -1.44M |
| Investing Cash Flow | -61.45M | -88.95M | -82.65M | -393.06M | -274.60M | -187.32M | -192.23M | -227.77M | -148.57M | -157.79M |
| Dividends Paid | -18.90M | -18.29M | -17.98M | -17.44M | -16.30M | -15.74M | -15.21M | -14.39M | -13.60M | -13.09M |
| Share Repurchases | -10.24M | -6.79M | -3.61M | -2.87M | -2.66M | -1.58M | -2.47M | -2.10M | -3.25M | -2.14M |
| Financing Cash Flow | 79.81M | 66.49M | 139.95M | -59.69M | 283.10M | 455.77M | 134.27M | 197.19M | 126.22M | 129.38M |
| Net Change in Cash | 59.64M | 12.01M | 77.88M | -393.04M | 76.70M | 310.77M | -14.02M | 11.40M | 15.48M | 6.29M |
| Free Cash Flow | 36.19M | 28.87M | 13.50M | 45.46M | 61.07M | 37.18M | 36.16M | 36.87M | 35.23M | 33.25M |
This table shows 10 annual periods of Arrow Financial's cash flow statement, from FY 2025 back to FY 2016, across 12 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow AROW's reporting calendar. What is a cash flow statement?