Arrow Financial Quarterly Cash Flow Statement
NASDAQ: AROWFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Arrow Financial free cash flow
In the quarter ended Jun 30, 2026, Arrow Financial generated $15.8 million of operating cash flow and spent $4.2 million on capital expenditures. That left free cash flow of $11.6 million, a free-cash-flow margin of 28.0% of revenue. Free cash flow was up 40.0% from the prior year's $8.3 million.
Arrow Financial returned $5.3 million to shareholders: $5.0 million in dividends and $370,000 in share repurchases, equal to 46% of free cash flow. Free cash flow covered dividend payments 2.3 times.
Summary generated from market data by MetaCap's automated system. Methodology
Arrow Financial cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 10.96M | 13.48M | 14.01M | 12.82M | 10.80M | 6.31M | 4.47M | 8.97M | 8.60M | 7.66M | 7.72M | 7.74M |
| Net Income growth (YoY) | +1.45% | +113.71% | +213.49% | +42.90% | +25.58% | -17.62% | -42.12% | +15.91% | +42.29% | -10.53% | -36.10% | -36.34% |
| Depreciation & Amortization | 1.33M | 1.25M | 1.29M | 1.51M | 1.41M | 1.21M | 1.35M | 1.36M | 1.25M | 1.39M | 1.76M | 1.53M |
| Stock-Based Compensation | 323.00K | 228.00K | 136.00K | 125.00K | 297.00K | 125.00K | 87.00K | 63.00K | 81.00K | 83.00K | 88.00K | 270.00K |
| Change in Working Capital | 3.38M | 2.47M | 1.20M | -1.80M | -1.31M | 138.00K | -5.32M | -2.59M | -419.00K | 914.00K | -25.60M | 1.23M |
| Operating Cash Flow | 15.79M | 15.24M | 5.91M | 15.02M | 10.28M | 10.07M | 5.63M | 9.42M | 9.08M | 10.35M | -16.32M | 11.20M |
| Capital Expenditures | -4.21M | -1.30M | -1.07M | -739.00K | -2.00M | -1.27M | -1.51M | -1.36M | -1.56M | -1.16M | -607.00K | -1.41M |
| Investing Cash Flow | -57.16M | -15.11M | -23.42M | -49.68M | 6.56M | 5.08M | -90.12M | 32.70M | 6.16M | -37.69M | -1.83M | -52.34M |
| Dividends Paid | -4.96M | -4.95M | -4.77M | -4.77M | -4.66M | -4.70M | -4.68M | -4.53M | -4.51M | -4.57M | -4.58M | -4.47M |
| Share Repurchases | -370.00K | -113.00K | -154.00K | -1.43M | -5.17M | -3.48M | -265.00K | -54.00K | -510.00K | -5.96M | -2.76M | 0 |
| Financing Cash Flow | -57.45M | 71.29M | -165.75M | 163.65M | -49.84M | 131.75M | -101.04M | 97.77M | -97.51M | 167.27M | -134.06M | 162.28M |
| Net Change in Cash | -98.82M | 71.42M | -183.25M | 128.99M | -33.00M | 146.90M | -185.54M | 139.89M | -82.27M | 139.93M | -152.20M | 121.14M |
| Free Cash Flow | 11.59M | 13.94M | 4.83M | 14.28M | 8.28M | 8.80M | 4.11M | 8.05M | 7.51M | 9.19M | -16.93M | 9.79M |
This table shows 12 quarterly periods of Arrow Financial's cash flow statement, from Q2 2026 back to Q3 2023, 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?