Arrow Financial Corporation Cash Flow-to-Debt Ratio
Arrow Financial Corporation cash flow-to-debt ratio. Arrow Financial Corporation (AROW) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $15.79 Million could theoretically repay 0% of its total liabilities ($4.04 Billion) in one year. Check Arrow Financial Corporation cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Arrow Financial Corporation (1991–2025)
Cash flow-to-debt ratio of Arrow Financial Corporation from 1991 to 2025. Historical debt coverage capacity for Arrow Financial Corporation across 35 annual periods. Check Arrow Financial Corporation total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Arrow Financial Corporation Cash Flow-to-Debt Ratio by Year (1991–2025)
Arrow Financial Corporation cash flow-to-debt ratio by year from 1991 to 2025. Year-by-year debt coverage analysis for Arrow Financial Corporation. For the full cash flow conversion analysis, see AROW cash generation efficiency.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $41.28 Million | $4.01 Billion | ▲ +16.5% |
| 2024 | 0.01x | $34.47 Million | $3.91 Billion | ▼ -44.0% |
| 2023 | 0.02x | $59.71 Million | $3.79 Billion | ▼ -4.6% |
| 2022 | 0.02x | $59.71 Million | $3.62 Billion | ▼ -11.5% |
| 2021 | 0.02x | $68.21 Million | $3.66 Billion | ▲ +47.9% |
| 2020 | 0.01x | $42.31 Million | $3.35 Billion | ▼ -17.3% |
| 2019 | 0.02x | $43.94 Million | $2.88 Billion | ▼ -1.3% |
| 2018 | 0.02x | $41.98 Million | $2.72 Billion | ▲ +2.5% |
| 2017 | 0.02x | $37.83 Million | $2.51 Billion | ▲ +3.0% |
| 2016 | 0.01x | $34.70 Million | $2.37 Billion | ▲ +12.9% |
| 2015 | 0.01x | $28.93 Million | $2.23 Billion | ▼ -14.7% |
| 2014 | 0.02x | $30.64 Million | $2.02 Billion | ▼ -18.3% |
| 2013 | 0.02x | $36.67 Million | $1.97 Billion | ▲ +5.8% |
| 2012 | 0.02x | $32.46 Million | $1.85 Billion | ▼ -12.5% |
| 2011 | 0.02x | $36.09 Million | $1.80 Billion | ▲ +245.2% |
| 2010 | 0.01x | $10.22 Million | $1.76 Billion | ▼ -47.8% |
| 2009 | 0.01x | $18.96 Million | $1.70 Billion | ▼ -32.9% |
| 2008 | 0.02x | $25.59 Million | $1.54 Billion | ▲ +14.7% |
| 2007 | 0.01x | $21.21 Million | $1.46 Billion | ▼ -12.3% |
| 2006 | 0.02x | $23.18 Million | $1.40 Billion | ▼ -2.5% |
| 2005 | 0.02x | $23.77 Million | $1.40 Billion | ▼ -1.2% |
| 2004 | 0.02x | $21.61 Million | $1.26 Billion | ▼ -16.8% |
| 2003 | 0.02x | $26.15 Million | $1.27 Billion | ▲ +27.3% |
| 2002 | 0.02x | $18.96 Million | $1.17 Billion | ▼ -39.0% |
| 2001 | 0.03x | $28.13 Million | $1.06 Billion | ▲ +31.5% |
| 2000 | 0.02x | $20.21 Million | $1.00 Billion | ▲ +33.0% |
| 1999 | 0.02x | $14.10 Million | $928.82 Million | ▼ -44.8% |
| 1998 | 0.03x | $23.70 Million | $861.90 Million | ▲ +73.6% |
| 1997 | 0.02x | $12.00 Million | $757.70 Million | ▼ -29.0% |
| 1996 | 0.02x | $12.90 Million | $578.30 Million | ▼ -44.8% |
| 1995 | 0.04x | $29.20 Million | $722.30 Million | ▲ +32.4% |
| 1994 | 0.03x | $21.00 Million | $688.00 Million | ▼ -52.6% |
| 1993 | 0.06x | $44.00 Million | $683.30 Million | ▲ +15.7% |
| 1992 | 0.06x | $38.00 Million | $682.70 Million | ▲ +94.8% |
| 1991 | 0.03x | $21.00 Million | $735.00 Million | — |