Arrow Financial Corporation (AROW) — 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). Check Arrow Financial Corporation investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see Arrow Financial Corporation (AROW) cash flow conversion.
Annual Financial Flexibility Index for Arrow Financial Corporation (1991–2025)
Year-by-year free cash flow to debt coverage for Arrow Financial Corporation. Explore debt repayment capacity of Arrow Financial Corporation to assess how comfortably operating cash covers total debt obligations.
| 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 | — |