Arrow Financial Corporation (AROW) — Financial Flexibility Index
Arrow Financial Corporation (AROW) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $6.98 Million (operating CF $5.91 Million minus capex $1.07 Million) represents 0% of total liabilities ($4.01 Billion). Also explore AROW net asset momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Arrow Financial Corporation Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for Arrow Financial Corporation across 35 annual periods. Check strategic asset allocation of Arrow Financial Corporation to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Arrow Financial Corporation (1991–2025)
Year-by-year free cash flow to debt coverage for Arrow Financial Corporation. For the full company profile including market capitalisation, see AROW company net worth.
| 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 | — |