Arrow Financial Corporation (AROW) — Cash Flow-to-Debt Ratio
Arrow Financial Corporation (AROW) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $5.91 Million could theoretically repay 0% of its total liabilities ($4.01 Billion) in one year. See AROW free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Arrow Financial Corporation Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Arrow Financial Corporation across 35 annual periods. Also explore Arrow Financial Corporation equity growth rate to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Arrow Financial Corporation (1991–2025)
Year-by-year debt coverage analysis for Arrow Financial Corporation. For market capitalisation and broader financial context, see AROW company net worth.
| 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 | — |