AROW
Arrow Financial Corporation
NASDAQ · Financial Services · Banks - Regional · US
$39.57
+0.30%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 211.9M | 242.6M | 223.1M | 191.7M | 160.5M |
| Cost of Revenue | 77.0M | 84.3M | 88.4M | 61.1M | 16.1M |
| Gross Profit | 134.8M | 158.3M | 134.6M | 130.6M | 144.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 81.2M | 84.8M | 56.7M | 50.9M | 49.4M |
| General & Admin Expense | 81.2M | 84.8M | 55.5M | 49.7M | 48.2M |
| Selling & Marketing Expense | — | — | 1.3M | 1.2M | 1.2M |
| Other Expenses | 19.4M | 18.1M | 40.5M | 42.2M | 32.2M |
| Total Operating Expenses | 100.5M | 102.9M | 97.3M | 93.0M | 81.5M |
| Cost and Expenses | 177.6M | 187.2M | 185.7M | 154.2M | 97.6M |
| Operating Income (EBIT) | 34.3M | 55.4M | 37.4M | 37.5M | 62.9M |
| Non-Operating | |||||
| Interest Income | 108.2M | 210.1M | 195.0M | 162.6M | 129.7M |
| Interest Expense | 74.3M | 77.0M | 83.3M | 57.7M | 11.3M |
| Net Interest Income | 33.9M | 133.2M | 111.7M | 104.8M | 118.3M |
| Other Non-Op Income/Expense | 30.3M | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 64.6M | 55.4M | 37.4M | 37.5M | 62.9M |
| Income Tax Expense | 13.3M | 11.4M | 7.6M | 7.4M | 14.1M |
| Bottom Line | |||||
| Net Income | 51.3M | 44.0M | 29.7M | 30.1M | 48.8M |
| Earnings from Cont. Ops | 51.3M | 44.0M | 29.7M | 30.1M | 48.8M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 51.3M | 44.0M | 29.7M | 30.1M | 48.8M |
| Per Share | |||||
| Basic EPS | $3.12 | $2.66 | $1.78 | $1.77 | $2.87 |
| Diluted EPS | $3.12 | $2.65 | $1.77 | $1.77 | $2.86 |
| Revenue Per Share | $12.91 | $14.70 | $13.33 | $11.25 | $9.44 |
| Shares | |||||
| Basic Shares Outstanding | 16.4M | 16.5M | 16.7M | 17.0M | 17.0M |
| Diluted Shares Outstanding | 16.4M | 16.5M | 16.7M | 17.0M | 17.1M |
| Profitability Metrics | |||||
| EBITDA | 37.1M | 60.8M | 42.7M | 44.2M | 70.5M |
| D&A | 2.8M | 5.4M | 5.4M | 6.7M | 7.5M |
| EBIT | 34.3M | 55.4M | 37.4M | 37.5M | 62.9M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026