Arrow Financial Corporation Financial Flexibility Index
Arrow Financial Corporation financial flexibility index. Arrow Financial Corporation (AROW) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $20.00 Million (operating CF $15.79 Million minus capex $4.21 Million) represents 0% of total liabilities ($4.04 Billion). See Arrow Financial Corporation free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Arrow Financial Corporation (1991–2025)
Financial flexibility index of Arrow Financial Corporation from 1991 to 2025. Historical Financial Flexibility Index trend for Arrow Financial Corporation across 35 annual periods. Check Arrow Financial Corporation cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
Arrow Financial Corporation Financial Flexibility Index by Year (1991–2025)
Arrow Financial Corporation financial flexibility index by year from 1991 to 2025. Year-by-year free cash flow to debt coverage for Arrow Financial Corporation. For the full cash flow conversion analysis, see Arrow Financial Corporation cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $46.37 Million | $41.28 Million | $4.01 Billion | ▲ +12.6% |
| 2024 | 0.01x | $40.07 Million | $34.47 Million | $3.91 Billion | ▼ -47.4% |
| 2023 | 0.02x | $73.96 Million | $59.71 Million | $3.79 Billion | ▼ -4.6% |
| 2022 | 0.02x | $73.96 Million | $59.71 Million | $3.62 Billion | ▼ -0.7% |
| 2021 | 0.02x | $75.34 Million | $68.21 Million | $3.66 Billion | ▲ +45.7% |
| 2020 | 0.01x | $47.45 Million | $42.31 Million | $3.35 Billion | ▼ -21.2% |
| 2019 | 0.02x | $51.73 Million | $43.94 Million | $2.88 Billion | ▲ +3.6% |
| 2018 | 0.02x | $47.08 Million | $41.98 Million | $2.72 Billion | ▲ +7.5% |
| 2017 | 0.02x | $40.43 Million | $37.83 Million | $2.51 Billion | ▲ +5.7% |
| 2016 | 0.02x | $36.14 Million | $34.70 Million | $2.37 Billion | ▲ +11.3% |
| 2015 | 0.01x | $30.55 Million | $28.93 Million | $2.23 Billion | ▼ -14.1% |
| 2014 | 0.02x | $32.11 Million | $30.64 Million | $2.02 Billion | ▼ -19.3% |
| 2013 | 0.02x | $38.91 Million | $36.67 Million | $1.97 Billion | ▼ -10.1% |
| 2012 | 0.02x | $40.53 Million | $32.46 Million | $1.85 Billion | ▼ -4.9% |
| 2011 | 0.02x | $41.46 Million | $36.09 Million | $1.80 Billion | ▲ +258.7% |
| 2010 | 0.01x | $11.30 Million | $10.22 Million | $1.76 Billion | ▼ -49.0% |
| 2009 | 0.01x | $21.46 Million | $18.96 Million | $1.70 Billion | ▼ -30.8% |
| 2008 | 0.02x | $28.06 Million | $25.59 Million | $1.54 Billion | ▲ +17.7% |
| 2007 | 0.02x | $22.66 Million | $21.21 Million | $1.46 Billion | ▼ -11.4% |
| 2006 | 0.02x | $24.53 Million | $23.18 Million | $1.40 Billion | ▼ -3.3% |
| 2005 | 0.02x | $25.36 Million | $23.77 Million | $1.40 Billion | ▼ -2.9% |
| 2004 | 0.02x | $23.46 Million | $21.61 Million | $1.26 Billion | ▼ -14.7% |
| 2003 | 0.02x | $27.68 Million | $26.15 Million | $1.27 Billion | ▲ +24.3% |
| 2002 | 0.02x | $20.55 Million | $18.96 Million | $1.17 Billion | ▼ -37.8% |
| 2001 | 0.03x | $29.94 Million | $28.13 Million | $1.06 Billion | ▲ +28.6% |
| 2000 | 0.02x | $21.98 Million | $20.21 Million | $1.00 Billion | ▲ +27.5% |
| 1999 | 0.02x | $16.00 Million | $14.10 Million | $928.82 Million | ▼ -40.8% |
| 1998 | 0.03x | $25.10 Million | $23.70 Million | $861.90 Million | ▲ +71.1% |
| 1997 | 0.02x | $12.90 Million | $12.00 Million | $757.70 Million | ▼ -34.4% |
| 1996 | 0.03x | $15.00 Million | $12.90 Million | $578.30 Million | ▼ -37.1% |
| 1995 | 0.04x | $29.80 Million | $29.20 Million | $722.30 Million | ▲ +30.2% |
| 1994 | 0.03x | $21.80 Million | $21.00 Million | $688.00 Million | ▼ -51.2% |
| 1993 | 0.06x | $44.40 Million | $44.00 Million | $683.30 Million | ▲ +14.6% |
| 1992 | 0.06x | $38.70 Million | $38.00 Million | $682.70 Million | ▲ +83.5% |
| 1991 | 0.03x | $22.70 Million | $21.00 Million | $735.00 Million | — |