Arrow Financial Corporation (AROW) — Cash Flow Quality Index
Arrow Financial Corporation (AROW) has a Cash Flow Quality Index of 1.13x as of March 2026. Operating cash flow of $15.24 Million exceeds net income of $13.48 Million, indicating high earnings quality where cash backs reported profits. Explore Arrow Financial Corporation (AROW) cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Arrow Financial Corporation Cash Flow Quality Index (1992–2025)
Historical Cash Flow Quality Index for Arrow Financial Corporation across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check AROW cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Arrow Financial Corporation (1992–2025)
Year-by-year earnings quality comparison for Arrow Financial Corporation. For live market cap and the full company financial profile, see market cap of Arrow Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.94x | $41.28 Million | $43.95 Million | ▼ -19.1% |
| 2024 | 1.16x | $34.47 Million | $29.71 Million | ▼ -5.2% |
| 2023 | 1.22x | $59.71 Million | $48.80 Million | ▲ +0.0% |
| 2022 | 1.22x | $59.71 Million | $48.80 Million | ▼ -10.6% |
| 2021 | 1.37x | $68.21 Million | $49.86 Million | ▲ +32.0% |
| 2020 | 1.04x | $42.31 Million | $40.83 Million | ▼ -11.6% |
| 2019 | 1.17x | $43.94 Million | $37.48 Million | ▲ +1.3% |
| 2018 | 1.16x | $41.98 Million | $36.28 Million | ▼ -10.3% |
| 2017 | 1.29x | $37.83 Million | $29.33 Million | ▼ -1.4% |
| 2016 | 1.31x | $34.70 Million | $26.53 Million | ▲ +11.5% |
| 2015 | 1.17x | $28.93 Million | $24.66 Million | ▼ -10.6% |
| 2014 | 1.31x | $30.64 Million | $23.36 Million | ▼ -22.0% |
| 2013 | 1.68x | $36.67 Million | $21.80 Million | ▲ +15.0% |
| 2012 | 1.46x | $32.46 Million | $22.18 Million | ▼ -11.0% |
| 2011 | 1.65x | $36.09 Million | $21.93 Million | ▲ +252.5% |
| 2010 | 0.47x | $10.22 Million | $21.89 Million | ▼ -46.4% |
| 2009 | 0.87x | $18.96 Million | $21.79 Million | ▼ -30.5% |
| 2008 | 1.25x | $25.59 Million | $20.44 Million | ▲ +2.3% |
| 2007 | 1.22x | $21.21 Million | $17.33 Million | ▼ -10.8% |
| 2006 | 1.37x | $23.18 Million | $16.89 Million | ▲ +7.6% |
| 2005 | 1.28x | $23.77 Million | $18.64 Million | ▲ +14.9% |
| 2004 | 1.11x | $21.61 Million | $19.48 Million | ▼ -19.7% |
| 2003 | 1.38x | $26.15 Million | $18.92 Million | ▲ +37.7% |
| 2002 | 1.00x | $18.96 Million | $18.89 Million | ▼ -43.6% |
| 2001 | 1.78x | $28.13 Million | $15.82 Million | ▲ +20.4% |
| 2000 | 1.48x | $20.21 Million | $13.68 Million | ▲ +35.1% |
| 1999 | 1.09x | $14.10 Million | $12.90 Million | ▼ -45.6% |
| 1998 | 2.01x | $23.70 Million | $11.80 Million | ▲ +84.1% |
| 1997 | 1.09x | $12.00 Million | $11.00 Million | ▲ +71.7% |
| 1996 | 0.64x | $12.90 Million | $20.30 Million | ▼ -73.0% |
| 1995 | 2.35x | $29.20 Million | $12.40 Million | ▲ +26.7% |
| 1994 | 1.86x | $21.00 Million | $11.30 Million | ▼ -65.4% |
| 1993 | 5.37x | $44.00 Million | $8.20 Million | ▼ -59.1% |
| 1992 | 13.10x | $38.00 Million | $2.90 Million | — |