Arrow Financial Corporation logo AROW - Arrow Financial Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
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| PRICE TARGET: $30.00 DETAILS
HIGH: $30.00
LOW: $30.00
MEDIAN: $30.00
CONSENSUS: $30.00
DOWNSIDE: 18.52%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 242.6 223.1 191.7 160.5 147.9 144.6 138.3 125.5 112.3 104.7 98.9 95.2 92.2 96.5 102.7 104.1 103.9 107.4 102.9 51.4 87.1 81.6 83.1 86.5 88.9 85.8 76.6 71.6 63.1 78.6 75.3 61.1 61
Cost of Revenue 84.3 88.4 61.1 16.1 5.5 22.0 23.8 15.1 9.7 7.4 6.2 7.6 8.1 12.8 19.5 25.0 28.3 33.9 40.8 35.6 25.1 20.2 23.1 27.4 35.5 38.8 30.7 29.5 25.2 22.8 26.1 17.2 20.3
Gross Profit 158.3 134.6 130.6 144.4 142.5 122.5 114.5 110.4 102.6 97.4 92.7 87.6 84.1 83.7 83.2 79.1 75.6 73.4 62.1 15.8 61.9 61.4 60.0 59.1 53.4 47.0 45.9 42.1 37.9 55.8 49.2 43.9 40.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 84.8 56.7 50.9 49.4 46.9 45.9 41.7 42.5 41.4 44.3 41.8 39.3 39.2 38.6 37.0 35.0 27.0 24.6 21.4 22.1 20.7 19.8 19.0 18.9 17.2 15.6 15.2 13.8 12.7 15 16.7 16.2 16.1
Other Expenses 18.1 40.5 42.2 32.2 31.1 24.7 25.8 22.5 21.3 15.3 15.6 14.7 14.0 13.2 14.6 12.4 17.0 19.5 16.5 (30.3) 14.5 13.1 13.5 12.5 13.3 12.0 12.1 10.8 9 9.7 13.1 15.3 16
Operating Expenses 102.9 97.3 93.0 81.5 78.0 70.7 67.5 65.1 62.7 59.6 57.4 54.0 53.2 51.8 51.5 47.4 44.0 44.0 37.9 (8.2) 35.2 33.0 32.5 31.4 30.5 27.6 27.3 24.6 21.7 24.7 29.8 31.5 32.1
Operating Income
Operating Income 55.4 37.4 37.5 62.9 64.4 51.9 47.1 45.3 39.9 37.7 35.3 33.5 30.9 31.8 31.6 31.6 31.6 29.4 24.1 24.0 26.7 28.4 27.5 27.7 22.9 19.4 18.6 17.5 16.2 31.1 19.4 12.4 8.6
Interest Expense 77.0 83.3 57.7 11.3 5.2 12.7 21.7 12.5 7.0 5.4 4.8 5.8 7.9 12.0 18.7 23.7 26.5 32.3 40.3 34.7 24.1 19.2 21.6 25.1 33.2 37.4 29.3 28.1 23.9 21.9 24.9 18.2 19.6
Interest Income 210.1 195.0 162.6 129.7 115.5 111.9 109.8 96.5 84.7 76.9 70.7 66.9 64.1 69.4 76.8 85.0 86.9 89.5 86.6 80.6 72.1 68.4 70.7 75.1 78.4 75.6 67.2 63 54.9 54.9 60.8 52.5 51.9
Profitability
EBITDA 55.4 42.7 44.2 70.5 72.2 58.7 52.6 50.1 45.3 43.7 41.6 40.6 39.7 40.7 38.2 35.2 34.4 32.0 27.0 27.0 29.5 31.6 32.4 30.8 25.6 21.9 20.6 18.9 17.6 32.3 21 14.6 12.2
EBIT 55.4 37.4 37.5 62.9 64.4 51.9 47.1 45.3 39.9 37.7 35.3 33.5 30.9 31.8 31.6 31.6 31.6 29.4 24.1 24.0 26.7 28.4 27.5 27.7 22.9 19.4 18.6 17.5 16.2 31.1 19.4 12.4 8.6
Income Before Tax 55.4 37.4 37.5 62.9 64.4 51.9 47.1 45.3 39.9 37.7 35.3 33.5 30.9 31.8 31.6 31.6 31.6 29.4 24.1 24.0 26.7 28.4 27.5 27.7 22.9 19.4 18.6 17.5 16.2 31.1 19.4 12.4 8.6
Income Tax Expense 11.4 7.6 7.4 14.1 14.5 11.0 9.6 9.0 10.5 11.2 10.6 10.2 9.1 9.7 9.7 9.8 9.8 9.0 6.8 7.1 8.1 9.0 8.6 8.8 7.1 5.7 5.7 5.7 5.2 10.8 7 1.1 0.4
Net Income 44.0 29.7 30.1 48.8 49.9 40.8 37.5 36.3 29.3 26.5 24.7 23.4 21.8 22.2 21.9 21.9 21.8 20.4 17.3 16.9 18.6 19.5 18.9 18.9 15.8 13.7 12.9 11.8 11 20.3 12.4 11.3 9.7
Per Share Data
EPS (Basic) 2.66 1.78 1.77 2.87 2.93 2.42 2.23 2.24 1.82 1.66 1.56 1.48 1.39 1.42 1.36 1.37 1.37 1.29 1.08 1.00 1.13 1.07 1.14 1.12 0.89 0.77 0.72 0.52 0.59 1.01 0.59 0.55 0.49
EPS (Diluted) 2.65 1.77 1.77 2.86 2.92 2.41 2.22 2.22 1.81 1.65 1.55 1.47 1.38 1.41 1.36 1.37 1.37 1.29 1.07 1.02 1.11 1.05 1.15 1.10 0.88 0.77 0.71 0.52 0.58 1.01 0.59 0.55 0.49
Shares Outstanding 16.5 16.7 17.0 17.0 17.0 16.9 16.8 16.2 16.1 16.0 15.9 15.8 15.7 15.7 16.1 15.9 15.4 15.8 16.1 16.9 16.6 18.1 16.6 16.8 17.7 17.8 17.8 22.2 18.1 20.0 20.4 21.1 20.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 29.1 154.5 142.5 64.7 457.7 381.0 70.2 84.2 72.8 57.4 67.1 58.3 29.8 27.5 29.1 27.9 26.6 28.1 30.7 46.9 37.5 58.5 34.6 28.9
Short-Term Investments 0 463.1 497.8 573.5 559.3 365.3 357.3 317.5 300.2 347.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 7.1 6.6 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 29.1 617.7 640.3 638.2 1,017.0 746.3 427.6 401.8 373.0 404.4 74.2 64.9 29.8 27.5 29.1 27.9 26.6 28.1 30.7 46.9 37.5 58.5 34.6 28.9
Non-Current Assets
Property, Plant & Equipment 59.4 59.7 59.6 56.5 46.2 42.6 40.6 30.4 27.6 26.9 18.8 17.6 14.9 14.2 13.7 13.1 12.4 11.8 11.1 10.8 9.4 13.9 14.6 15.4
Goodwill 23.8 23.8 21.9 21.9 21.9 21.9 21.9 21.9 21.9 21.9 15.3 14.7 10.7 9.3 9.3 0 0 0 0 0 0 0 0 0
Intangible Assets 1.7 2.1 1.1 1.5 1.9 1.9 1.7 1.9 2.3 2.7 1.4 1.7 1.0 0.2 0.4 0 0 0 0 0 0 0 0 0
Long-Term Investments 4,176.6 3,468.6 3,320.0 3,136.9 2,844.4 2,791.2 2,622.4 2,476.8 2,278.0 2,092.6 1,713.7 1,555.6 1,296.6 1,298.9 1,201.3 1,072.1 1,016.6 931.9 870.1 745.5 590.5 698.2 678.8 668.4
Other Non-Current Assets (4,176.6) 134.5 126.9 114.6 96.6 84.7 70.2 55.6 57.6 56.8 18.2 10.6 24.8 23.8 17.6 37.9 25.7 29.4 27.1 28.4 15.2 19.2 18.4 20.7
Total Non-Current Assets 85.0 3,688.7 3,529.6 3,331.4 3,010.9 2,942.4 2,756.7 2,586.6 2,387.4 2,200.9 1,767.4 1,600.1 1,348.1 1,346.4 1,242.3 1,123.1 1,054.7 973.0 908.3 784.7 615.1 731.3 711.8 704.5
Total Assets 4,445.9 4,306.3 4,169.9 3,969.5 4,028.0 3,688.6 3,184.3 2,988.3 2,760.5 2,605.2 1,841.6 1,665.1 1,377.9 1,373.9 1,271.4 1,151.0 1,081.4 1,001.1 939 831.6 652.6 789.8 746.4 733.4
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 2.3 3.0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 0 20 27 0 17.5 181.1 288.7 170.0 158.8 73.9 60.0 44.0 40.9 193.5 152.6 127.9 121.0 24.1 24.7 22.7 15.3 24.9 12.5
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 722.4 3,827.9 3,687.6 3,498.4 3,550.5 3,234.7 2,616.1 2,345.6 2,245.1 2,116.5 1,443.6 1,275.1 1,032.3 1,046.6 958.0 885.5 858.9 795.2 775.6 720.9 541.7 694.5 650.5 659.4
Total Current Liabilities 722.4 3,827.9 3,707.6 3,525.4 3,550.5 3,252.2 2,797.2 2,634.2 2,415.1 2,275.4 1,519.7 1,338.0 1,076.3 1,087.6 1,151.5 1,038.1 986.8 916.2 799.7 745.6 564.4 709.8 675.4 671.9
Non-Current Liabilities
Long-Term Debt 24.3 28.6 46.5 74.8 65 65 180 299 180 198 160 180 170 165 5 5 0 85 45 0 0 0 5 5.3
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 3,262.4 43.9 31.0 10.7 36.1 31.8 (99.9) (214.5) (84.2) (101.0) 21.1 21.3 13.7 15.5 13.5 16.4 13.8 (72.4) 17.2 12.1 13.9 12.5 7.6 6.1
Total Non-Current Liabilities 3,291.6 77.5 82.5 90.6 106.3 102.0 85.4 84.5 95.8 97.0 181.1 201.3 183.7 180.5 18.5 21.4 13.8 12.6 62.2 12.1 13.9 12.5 12.6 11.4
Total Liabilities 4,014.0 3,905.4 3,790.1 3,616.0 3,656.8 3,354.2 2,882.5 2,718.8 2,510.9 2,372.4 1,700.8 1,539.3 1,259.9 1,268.1 1,170.0 1,059.5 1,000.6 928.8 861.9 757.7 578.3 722.3 688 683.3
Stockholders' Equity
Common Stock 22.1 22.1 22.1 21.4 20.8 20.2 19.6 19.0 18.5 17.9 15.2 14.7 13.5 13.1 10.5 10.0 9.5 9.5 0 0 0 0 0 0
Retained Earnings 102.3 77.2 65.8 65.4 54.1 41.9 33.2 29.3 28.8 28.6 24.1 25.5 23.4 24.3 13.6 17.3 21.9 14.1 6.7 22.5 27 24.3 19.1 13.4
Accumulated Other Comprehensive Income (4.0) (18.5) (33.4) (49.7) 0.3 (0.8) (6.4) (13.8) (8.5) (6.8) (6.6) (9.4) (0.9) (0.7) 1.4 (0.4) (2.5) (6.4) 0 0 0 0 0 0
Total Stockholders' Equity 431.9 400.9 379.8 353.5 371.2 334.4 301.7 269.6 249.6 232.9 140.8 125.8 118.0 105.9 101.4 91.5 80.8 72.3 77.1 73.9 74.3 67.5 58.4 50.1
Total Liabilities & Equity 4,445.9 4,306.3 4,169.9 3,969.5 4,028.0 3,688.6 3,184.3 2,988.3 2,760.5 2,605.2 1,841.6 1,665.1 1,377.9 1,373.9 1,271.4 1,151.0 1,081.4 1,006.1 939 831.6 652.6 789.8 746.4 733.4
Debt Metrics
Total Debt 29.2 33.6 71.6 106.9 70.2 87.7 366.4 587.7 350.0 356.8 233.9 240.0 214.0 205.9 198.5 157.6 127.9 206.0 69.1 24.7 22.7 15.3 29.9 17.8
Net Debt 0.1 (120.9) (71.0) 42.3 (387.5) (293.3) 296.1 503.4 277.1 299.5 166.8 181.6 184.2 178.4 169.4 129.7 101.3 177.9 38.4 (22.2) (14.8) (43.2) (4.7) (11.1)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 44.0 29.7 30.1 48.8 49.9 40.8 37.5 36.3 29.3 26.5 18.6 19.5 18.9 18.9 15.8 13.7 12.9 11.8 11 20.3 12.4 11.3 8.2
Depreciation & Amortization 5.4 5.4 6.7 7.5 7.8 6.9 5.5 4.8 5.4 5.9 2.8 3.1 4.9 3.1 2.8 2.5 2 1.4 1.4 1.2 1.6 2.2 3.6
Stock-Based Compensation 0.7 0.8 0.8 0.9 0.8 0.5 0.8 0.7 0.9 1.6 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (1.8) (7.4) (20.0) (0.6) (1.0) (1.8) (2.5) (1.9) 0.8 (0.5) 2.4 (2.9) (1.0) (6.3) 2.4 0.4 (5.3) 5.5 (4.1) 0.3 2.2 1.9 (0.7)
Other Non-Cash Items (7.2) 6.8 1.1 4.3 9.8 (1.9) 2.3 2.2 2.9 1.4 (0.2) 1.3 1.1 2.7 7.6 3.5 4.2 4.7 3.3 (9) 13.5 7.6 35.6
Operating Cash Flow 41.3 34.5 20.6 59.7 68.2 42.3 43.9 42.0 37.8 34.7 23.8 21.6 26.2 19.0 28.1 20.2 14.1 23.7 12 12.9 29.2 21 44
Investing Activities
Capital Expenditure (5.1) (5.6) (7.1) (14.2) (7.1) (5.1) (7.8) (5.1) (2.6) (1.4) (1.6) (1.8) (1.5) (1.6) (1.8) (1.8) (1.9) (1.4) (0.9) (2.1) (0.6) (0.8) (0.4)
Acquisitions 0 32.4 0 0 0 0 0 0.1 0.1 0.1 47.1 0.0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (136.6) (157.2) (81.8) (196.2) (332.7) (181.2) (135.4) (92.3) (158.1) (217.4) (110.2) (81.3) (327.5) (205.9) (111.4) (82.1) (103) (268) (131.4) (100.2) (43.1) (55.5) (72.1)
Sales/Maturities of Investments 124.1 225 232.1 136.2 148.9 204.1 137.7 120.8 210.3 243.1 90.6 101.4 277.3 133.3 107.2 82.3 142 204 69 88.3 37.2 51.3 22
Other Investing Activities (49.0) (183.5) (225.9) (318.8) (83.6) (205.1) (186.8) (251.3) (198.2) (182.1) (113.6) (21.1) (56.3) (56.9) (55.6) (80.9) (112.4) (64.9) (96.5) 123.1 (23.7) (11.3) (22.1)
Investing Cash Flow (61.5) (89.0) (82.7) (393.1) (274.6) (187.3) (192.2) (227.8) (148.6) (157.8) (87.7) (2.8) (108.0) (131.0) (61.6) (82.5) (75.3) (130.3) (159.8) 109.1 (30.2) (16.3) (72.6)
Financing Activities
Net Debt Issuance (4.4) (18.0) (28.4) 9.8 (17.5) (148.7) (122.6) 108.7 11.1 53.7 6.1 8.0 7.4 40.9 29.7 6.9 52 44.3 2 7.4 (14.3) 12.3 (2.7)
Stock Repurchased (10.2) (6.8) (3.6) (2.9) (2.7) (1.6) (2.5) (2.1) (3.2) (2.1) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (18.9) (18.3) (18.0) (17.4) (16.3) (15.7) (15.2) (14.4) (13.6) (13.1) (9.6) (9) (8.2) (7.5) (6.6) (5.8) (5.5) (5.1) (4.6) (3.9) (3.2) (2) (0.6)
Other Financing Activities 112.8 109.5 189.4 (51.0) 317.8 619.9 272.8 103.2 130.3 89.2 72.1 (13.5) 88.1 72.5 26.5 63.3 19.7 54.6 167.2 (136.9) 44.1 (9) 1.6
Financing Cash Flow 79.8 66.5 139.9 (59.7) 283.1 455.8 134.3 197.2 126.2 129.4 62.7 (15.3) 83.0 102.2 48.8 60.9 58.5 90.4 157.2 (143) 24.8 1 (0.8)
Cash Position
Net Change in Cash 59.6 12.0 77.9 (393.0) 76.7 310.8 (14.0) 11.4 15.5 6.3 (1.2) 3.5 1.2 (9.8) 15.3 (1.5) (2.6) (16.2) (37.5) (58.5) (34.6) (28.9) (58.3)
Cash at Beginning 154.5 142.5 64.7 457.7 381.0 70.2 84.2 72.8 57.4 51.1 36.8 33.3 32.1 41.9 26.6 28.1 30.7 46.9 37.5 58.5 34.6 28.9 58.3
Cash at End 214.2 154.5 142.5 64.7 457.7 381.0 70.2 84.2 72.8 57.4 35.6 36.8 33.3 32.1 41.9 26.6 28.1 30.7 0 0 0 0 0
Free Cash Flow 36.2 28.9 13.5 45.5 61.1 37.2 36.2 36.9 35.2 33.3 22.2 19.8 24.6 17.4 26.3 18.4 12.2 22.3 11.1 10.8 28.6 20.2 43.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 242.6 223.1 191.7 160.5 147.9 144.6 138.3 125.5 112.3 104.7 98.9 95.2 92.2 96.5 102.7 104.1 103.9 107.4 102.9 51.4 87.1 81.6 83.1 86.5 88.9 85.8 76.6 71.6 63.1 78.6 75.3 61.1 61
Gross Profit 158.3 134.6 130.6 144.4 142.5 122.5 114.5 110.4 102.6 97.4 92.7 87.6 84.1 83.7 83.2 79.1 75.6 73.4 62.1 15.8 61.9 61.4 60.0 59.1 53.4 47.0 45.9 42.1 37.9 55.8 49.2 43.9 40.7
Operating Income 55.4 37.4 37.5 62.9 64.4 51.9 47.1 45.3 39.9 37.7 35.3 33.5 30.9 31.8 31.6 31.6 31.6 29.4 24.1 24.0 26.7 28.4 27.5 27.7 22.9 19.4 18.6 17.5 16.2 31.1 19.4 12.4 8.6
Net Income 44.0 29.7 30.1 48.8 49.9 40.8 37.5 36.3 29.3 26.5 24.7 23.4 21.8 22.2 21.9 21.9 21.8 20.4 17.3 16.9 18.6 19.5 18.9 18.9 15.8 13.7 12.9 11.8 11 20.3 12.4 11.3 9.7
EPS (Diluted) 2.65 1.77 1.77 2.86 2.92 2.41 2.22 2.22 1.81 1.65 1.55 1.47 1.38 1.41 1.36 1.37 1.37 1.29 1.07 1.02 1.11 1.05 1.15 1.10 0.88 0.77 0.71 0.52 0.58 1.01 0.59 0.55 0.49
Balance Sheet
Cash & Equivalents 29.1 154.5 142.5 64.7 457.7 381.0 70.2 84.2 72.8 57.4 67.1 58.3 29.8 27.5 29.1 27.9 26.6 28.1 30.7 46.9 37.5 58.5 34.6 28.9
Total Assets 4,445.9 4,306.3 4,169.9 3,969.5 4,028.0 3,688.6 3,184.3 2,988.3 2,760.5 2,605.2 1,841.6 1,665.1 1,377.9 1,373.9 1,271.4 1,151.0 1,081.4 1,001.1 939 831.6 652.6 789.8 746.4 733.4
Total Debt 29.2 33.6 71.6 106.9 70.2 87.7 366.4 587.7 350.0 356.8 233.9 240.0 214.0 205.9 198.5 157.6 127.9 206.0 69.1 24.7 22.7 15.3 29.9 17.8
Stockholders' Equity 431.9 400.9 379.8 353.5 371.2 334.4 301.7 269.6 249.6 232.9 140.8 125.8 118.0 105.9 101.4 91.5 80.8 72.3 77.1 73.9 74.3 67.5 58.4 50.1
Cash Flow
Operating Cash Flow 41.3 34.5 20.6 59.7 68.2 42.3 43.9 42.0 37.8 34.7 23.8 21.6 26.2 19.0 28.1 20.2 14.1 23.7 12 12.9 29.2 21 44
Capital Expenditure (5.1) (5.6) (7.1) (14.2) (7.1) (5.1) (7.8) (5.1) (2.6) (1.4) (1.6) (1.8) (1.5) (1.6) (1.8) (1.8) (1.9) (1.4) (0.9) (2.1) (0.6) (0.8) (0.4)
Free Cash Flow 36.2 28.9 13.5 45.5 61.1 37.2 36.2 36.9 35.2 33.3 22.2 19.8 24.6 17.4 26.3 18.4 12.2 22.3 11.1 10.8 28.6 20.2 43.6