Arrow Financial Corporation (AROW) — Financial Flexibility Index
Arrow Financial Corporation (AROW) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $16.55 Million (operating CF $15.24 Million minus capex $1.30 Million) represents 0% of total liabilities ($4.08 Billion). Check AROW strategic asset allocation to assess the company's strategic physical and investment asset allocation.
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. See AROW working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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 Arrow Financial Corporation (AROW) market capitalisation.
| 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 | — |