Arrow Financial Corporation (AROW) — Defensive Interval Ratio
Arrow Financial Corporation (AROW) has a Defensive Interval Ratio of 274 days as of December 2025. Defensive assets of $542.19 Million (cash $-, short-term investments $542.19 Million, receivables $-) cover 274 days of daily cash needs of $1.98 Million/day. Check Arrow Financial Corporation tangible equity quality to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Arrow Financial Corporation Defensive Interval Ratio (2001–2025)
This chart shows how Arrow Financial Corporation's Defensive Interval Ratio has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the ratio stands at 274 days, meaning defensive assets of $542.19 Million can fund 274 days of operations without new revenue. Also explore AROW net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Arrow Financial Corporation (2001–2025)
The table below presents the year-by-year Defensive Interval Ratio for Arrow Financial Corporation from 2001 to 2025, covering 25 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see AROW market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 274 days | $542.19 Million | $1.98 Million/day | $- | $542.19 Million | ▲ +230 days |
| 2024 | 44 days | $463.11 Million | $10.49 Million/day | $- | $463.11 Million | ▼ -5 days |
| 2023 | 49 days | $497.77 Million | $10.16 Million/day | $- | $497.77 Million | ▼ -7704 days |
| 2022 | 7753 days | $573.50 Million | $73.97K/day | $- | $573.50 Million | ▲ +7695 days |
| 2021 | 57 days | $559.32 Million | $9.73 Million/day | $- | $559.32 Million | ▼ -271 days |
| 2020 | 329 days | $2.93 Billion | $8.91 Million/day | $- | $365.29 Million | ▲ +282 days |
| 2019 | 47 days | $357.33 Million | $7.66 Million/day | $- | $357.33 Million | ▲ +3 days |
| 2018 | 44 days | $317.54 Million | $7.22 Million/day | $- | $317.54 Million | ▼ -1 days |
| 2017 | 45 days | $300.20 Million | $6.62 Million/day | $- | $300.20 Million | ▼ -10 days |
| 2016 | 56 days | $347.00 Million | $6.23 Million/day | $- | $347.00 Million | ▼ -13 days |
| 2015 | 69 days | $402.31 Million | $5.85 Million/day | $- | $402.31 Million | ▲ +1 days |
| 2014 | 68 days | $366.14 Million | $5.38 Million/day | $- | $366.14 Million | ▼ -19 days |
| 2013 | 87 days | $457.61 Million | $5.26 Million/day | $- | $457.61 Million | ▼ -13 days |
| 2012 | 100 days | $484.18 Million | $4.86 Million/day | $- | $478.70 Million | ▼ -20 days |
| 2011 | 120 days | $562.62 Million | $4.69 Million/day | $- | $556.54 Million | ▲ +117 days |
| 2010 | 3 days | $11.63 Million | $4.35 Million/day | $- | $5.12 Million | ▼ -4 days |
| 2009 | 7 days | $29.84 Million | $4.16 Million/day | $- | $22.73 Million | ▼ -83 days |
| 2008 | 90 days | $331.70 Million | $3.67 Million/day | $- | $325.09 Million | ▲ +86 days |
| 2007 | 5 days | $16.00 Million | $3.45 Million/day | $- | $16.00 Million | ▲ +2 days |
| 2006 | 3 days | $9.00 Million | $3.51 Million/day | $- | $9.00 Million | ▼ -96 days |
| 2005 | 99 days | $326.36 Million | $3.31 Million/day | $- | $326.36 Million | ▲ +96 days |
| 2004 | 2 days | $7.00 Million | $2.95 Million/day | $- | $7.00 Million | ▲ +0 days |
| 2003 | 2 days | $5.80 Million | $2.98 Million/day | $- | $5.80 Million | ▲ +1 days |
| 2002 | 1 days | $3.00 Million | $3.15 Million/day | $- | $3.00 Million | ▼ -4 days |
| 2001 | 5 days | $14.00 Million | $2.84 Million/day | $- | $14.00 Million | — |