What one share of Arrow Financial holds
Arrow was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. As of December 31, 2025 the Company had one wholly-owned banking subsidiary, Arrow Bank National Association.
Arrow Financial’s numbers from its SEC filings, divided by its shares. Results cover the last 12 months to 2026-06-30; the balance sheet is as of 2026-06-30.
| Sales | $10.67 |
|---|---|
| Profit | $3.11 |
| Capex (buildings and equipment) | $0.45 |
| Free cash flow | $2.72 |
| Dividends | $1.18 |
| Cash and investments | $11.29 |
| Debt | $0.52 |
| Book value | $26.98 |
Per share by fiscal year
| Year | Sales | Profit | Capex | Free cash | Dividends | Book value |
|---|---|---|---|---|---|---|
| 2009 | $6.88 | $1.88 | $0.22 | $1.45 | $0.92 | $12.17 |
| 2010 | $6.77 | $1.84 | $0.09 | $0.77 | $0.93 | $13.37 |
| 2011 | $6.88 | $1.79 | $0.44 | $2.51 | $0.94 | $14.00 |
| 2012 | $6.76 | $1.77 | $0.65 | $1.95 | $0.95 | $14.50 |
| 2013 | $6.57 | $1.70 | $0.17 | $2.69 | $0.95 | $15.44 |
| 2014 | $6.74 | $1.76 | $0.11 | $2.20 | $0.94 | $15.83 |
| 2015 | $6.85 | $1.80 | $0.12 | $1.99 | $0.93 | $16.46 |
| 2016 | $6.95 | $1.86 | $0.10 | $2.33 | $0.92 | $17.25 |
| 2017 | $7.10 | $1.98 | $0.18 | $2.37 | $0.92 | $17.91 |
| 2018 | $7.35 | $2.36 | $0.33 | $2.40 | $0.94 | $18.62 |
| 2019 | $7.34 | $2.36 | $0.49 | $2.27 | $0.96 | $20.12 |
| 2020 | $8.03 | $2.49 | $0.31 | $2.26 | $0.96 | $21.55 |
| 2021 | $8.37 | $2.92 | $0.42 | $3.58 | $0.96 | $23.14 |
| 2022 | $8.75 | $2.86 | $0.84 | $2.67 | $1.03 | $21.36 |
| 2023 | $7.86 | $1.77 | $0.42 | $0.79 | $1.06 | $22.42 |
| 2024 | $8.35 | $1.77 | $0.33 | $1.72 | $1.09 | $23.94 |
| 2025 | $10.03 | $2.65 | $0.31 | $2.19 | $1.14 | $26.26 |
Common questions about Arrow Financial
How much does one share of Arrow Financial earn?
Over the last 12 months, each share of Arrow Financial earned $3.11 of profit on $10.67 of sales, keeping about 29¢ of every $1 (profit margin).
Does Arrow Financial pay a dividend?
Yes. Arrow Financial paid $1.18 per share in dividends over the last 12 months, and it paid a dividend in every year from 2009 to 2025 in StockSlicer’s data. That’s about 38¢ of each $1 of profit (payout ratio).
What is Arrow Financial’s book value per share?
Arrow Financial’s book value is $26.98 per share: what would be left for each share if it sold everything at the values on its books and paid every debt, as of June 30, 2026.
How much cash and debt does each share of Arrow Financial have?
Each share of Arrow Financial has $11.29 of cash and investments and $0.52 of debt, as of June 30, 2026.
What is Arrow Financial’s free cash flow per share?
$2.72 per share over the last 12 months. Free cash flow is the cash left over after spending on buildings and equipment.
How has Arrow Financial’s profit per share changed over time?
Profit per share went from $1.88 in 2009 to $2.65 in 2025, growing about 2.2% a year (adjusted for stock splits).
Has Arrow Financial bought back shares?
Arrow Financial’s share count rose about 42% from 2009 to 2025. That dilution means each share owns a smaller slice of the company.
From its SEC filings. For education only, not investment advice. New to these words? See the StockSlicer glossary.