AROW NASDAQ
Arrow Financial Corporation
1W: +2.9%
1M: +1.2%
3M: +4.7%
YTD: +18.5%
1Y: +41.2%
3Y: +140.4%
5Y: +30.4%
$36.82
+0.06 (+0.16%)
Weekly Expected Move ±3.3%
$33
$34
$35
$36
$37
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
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Revenue Segmentation
By Product / Service
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$243M
+8.7% ▲
5Y CAGR: +10.9%
Gross Profit
$158M
+17.6% ▲
5Y CAGR: +5.3%
Operating Income
$55M
+48.3% ▲
5Y CAGR: +1.3%
Net Income
$44M
+47.9% ▲
5Y CAGR: +1.5%
EPS (Diluted)
$2.65
+49.7% ▲
5Y CAGR: +1.9%
EBITDA
$55M
+29.7% ▲
5Y CAGR: -1.2%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $148M | $161M | $192M | $223M | $243M |
| YoY Growth | +2.3% | +8.5% | +19.4% | +16.4% | +8.7% |
| Cost of Revenue | $5M | $16M | $61M | $88M | $84M |
| Gross Profit | $142M | $144M | $131M | $135M | $158M |
| Gross Margin | 96.3% | 90.0% | 68.1% | 60.4% | 65.3% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $47M | $49M | $51M | $57M | $85M |
| Operating Expenses | $78M | $82M | $93M | $97M | $103M |
| Operating Income | $64M | $63M | $38M | $37M | $55M |
| Operating Margin | 43.5% | 39.2% | 19.6% | 16.7% | 22.8% |
| Interest Expense | $5M | $11M | $58M | $83M | $77M |
| Income Before Tax | $64M | $63M | $38M | $37M | $55M |
| Tax Expense | $15M | $14M | $7M | $8M | $11M |
| Net Income | $50M | $49M | $30M | $30M | $44M |
| Net Margin | 33.7% | 30.4% | 15.7% | 13.3% | 18.1% |
| EPS (Diluted) | $2.92 | $2.86 | $1.77 | $1.77 | $2.65 |
| EBITDA | $72M | $70M | $44M | $43M | $55M |
| Shares Outstanding | 17M | 17M | 17M | 17M | 17M |