Arrow Financial Corporation Cash Flow Quality Index
Arrow Financial Corporation cash flow quality index. Arrow Financial Corporation (AROW) has a Cash Flow Quality Index of 1.44x as of June 2026. Operating cash flow of $15.79 Million exceeds net income of $10.96 Million, indicating high earnings quality where cash backs reported profits. See Arrow Financial Corporation (AROW) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Arrow Financial Corporation (1992–2025)
Cash flow quality index of Arrow Financial Corporation from 1992 to 2025. Historical Cash Flow Quality Index for Arrow Financial Corporation across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore AROW debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Arrow Financial Corporation Cash Flow Quality Index by Year (1992–2025)
Arrow Financial Corporation cash flow quality index by year from 1992 to 2025. Year-by-year earnings quality comparison for Arrow Financial Corporation. For the full cash flow conversion analysis, see cash efficiency ratio 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 | — |