Arrow Financial Corporation (AROW) — Free Cash Flow Generation Index
Arrow Financial Corporation (AROW) has a Free Cash Flow Generation Index of 0.82x as of December 2025. Free cash flow of $4.83 Million represents 1% of operating cash flow ($5.91 Million). See working capital position of Arrow Financial Corporation to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Arrow Financial Corporation Free Cash Flow Generation Index (1991–2025)
Historical FCF Generation Index trend for Arrow Financial Corporation across 35 annual periods. Explore Arrow Financial Corporation cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Arrow Financial Corporation (1991–2025)
Year-by-year Free Cash Flow Generation Index for Arrow Financial Corporation. For the full company profile including market capitalisation, see AROW company net worth.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.88x | $36.19 Million | $41.28 Million | $5.09 Million | ▲ +4.7% |
| 2024 | 0.84x | $28.87 Million | $34.47 Million | $5.60 Million | ▲ +10.0% |
| 2023 | 0.76x | $45.46 Million | $59.71 Million | $14.25 Million | ▲ +0.0% |
| 2022 | 0.76x | $45.46 Million | $59.71 Million | $14.25 Million | ▼ -15.0% |
| 2021 | 0.90x | $61.07 Million | $68.21 Million | $7.14 Million | ▲ +1.9% |
| 2020 | 0.88x | $37.18 Million | $42.31 Million | $5.13 Million | ▲ +6.8% |
| 2019 | 0.82x | $36.16 Million | $43.94 Million | $7.79 Million | ▼ -6.3% |
| 2018 | 0.88x | $36.87 Million | $41.98 Million | $5.10 Million | ▼ -5.7% |
| 2017 | 0.93x | $35.23 Million | $37.83 Million | $2.60 Million | ▼ -2.8% |
| 2016 | 0.96x | $33.25 Million | $34.70 Million | $1.44 Million | ▲ +1.5% |
| 2015 | 0.94x | $27.30 Million | $28.93 Million | $1.62 Million | ▼ -0.9% |
| 2014 | 0.95x | $29.17 Million | $30.64 Million | $1.47 Million | ▲ +1.4% |
| 2013 | 0.94x | $34.44 Million | $36.67 Million | $2.23 Million | ▲ +25.0% |
| 2012 | 0.75x | $24.39 Million | $32.46 Million | $8.07 Million | ▼ -11.7% |
| 2011 | 0.85x | $30.71 Million | $36.09 Million | $5.37 Million | ▼ -4.8% |
| 2010 | 0.89x | $9.14 Million | $10.22 Million | $1.08 Million | ▲ +3.0% |
| 2009 | 0.87x | $16.46 Million | $18.96 Million | $2.50 Million | ▼ -3.9% |
| 2008 | 0.90x | $23.13 Million | $25.59 Million | $2.47 Million | ▼ -3.0% |
| 2007 | 0.93x | $19.76 Million | $21.21 Million | $1.45 Million | ▼ -1.1% |
| 2006 | 0.94x | $21.83 Million | $23.18 Million | $1.35 Million | ▲ +0.9% |
| 2005 | 0.93x | $22.18 Million | $23.77 Million | $1.59 Million | ▲ +2.0% |
| 2004 | 0.91x | $19.77 Million | $21.61 Million | $1.85 Million | ▼ -2.9% |
| 2003 | 0.94x | $24.62 Million | $26.15 Million | $1.53 Million | ▲ +2.8% |
| 2002 | 0.92x | $17.37 Million | $18.96 Million | $1.59 Million | ▼ -2.1% |
| 2001 | 0.94x | $26.32 Million | $28.13 Million | $1.81 Million | ▲ +2.6% |
| 2000 | 0.91x | $18.44 Million | $20.21 Million | $1.77 Million | ▲ +5.4% |
| 1999 | 0.87x | $12.20 Million | $14.10 Million | $1.90 Million | ▼ -8.0% |
| 1998 | 0.94x | $22.30 Million | $23.70 Million | $1.40 Million | ▲ +1.7% |
| 1997 | 0.93x | $11.10 Million | $12.00 Million | $900.00K | ▲ +10.5% |
| 1996 | 0.84x | $10.80 Million | $12.90 Million | $2.10 Million | ▼ -14.5% |
| 1995 | 0.98x | $28.60 Million | $29.20 Million | $600.00K | ▲ +1.8% |
| 1994 | 0.96x | $20.20 Million | $21.00 Million | $800.00K | ▼ -2.9% |
| 1993 | 0.99x | $43.60 Million | $44.00 Million | $400.00K | ▲ +1.0% |
| 1992 | 0.98x | $37.30 Million | $38.00 Million | $700.00K | ▲ +6.8% |
| 1991 | 0.92x | $19.30 Million | $21.00 Million | $1.70 Million | — |