Financials in USD. Standardized financial statements.
A compact view of how Arrow Financial Corporation turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $242.58M | $223.07M | $191.68M | $160.55M | $147.92M | $144.55M | $138.31M | $125.45M | $112.30M | $104.75M |
| Revenue Growth? | +8.7% | +16.4% | +19.4% | +8.5% | +2.3% | +4.5% | +10.3% | +11.7% | +7.2% | 0.0% |
| Cost of Revenue? | $84.26M | $88.44M | $61.11M | $16.11M | $5.47M | $22.01M | $23.79M | $15.09M | $9.74M | $7.39M |
| Gross Profit? | $158.32M | $134.63M | $130.57M | $144.44M | $142.45M | $122.54M | $114.53M | $110.36M | $102.56M | $97.36M |
| Gross Margin? | +65.3% | +60.4% | +68.1% | +90.0% | +96.3% | +84.8% | +82.8% | +88.0% | +91.3% | +92.9% |
| Operating Expenses? | $102.93M | $97.27M | $93.05M | $81.53M | $78.05M | $70.68M | $67.45M | $65.06M | $62.70M | $59.61M |
| Operating Income? | $55.39M | $37.36M | $37.52M | $62.91M | $64.40M | $51.86M | $47.08M | $45.30M | $39.85M | $37.75M |
| EBITDA? | $55.39M | $42.72M | $44.24M | $70.46M | $72.23M | $58.73M | $52.58M | $50.06M | $45.25M | $43.69M |
| Income Before Tax | $55.39M | $37.36M | $37.52M | $62.91M | $64.40M | $51.86M | $47.08M | $45.30M | $39.85M | $37.75M |
| Income Tax Expense | $11.44M | $7.65M | $7.45M | $14.11M | $14.55M | $11.04M | $9.60M | $9.03M | $10.53M | $11.21M |
| Net Income? | $43.95M | $29.71M | $30.07M | $48.80M | $49.86M | $40.83M | $37.48M | $36.28M | $29.33M | $26.53M |
| EPS? | $2.66 | $1.78 | $1.77 | $2.87 | $2.93 | $2.42 | $2.23 | $2.24 | $1.82 | $1.66 |
| Diluted EPS? | $2.65 | $1.77 | $1.77 | $2.86 | $2.92 | $2.41 | $2.22 | $2.22 | $1.81 | $1.65 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality