Arrow Financial Corporation Working Capital to Net Assets Ratio
Arrow Financial Corporation working capital to net assets ratio. Arrow Financial Corporation (AROW) has a Working Capital to Net Assets ratio of -881.6% as of June 2026. Working capital of $-3.93 Billion (current assets of $30.88 Million minus current liabilities of $3.97 Billion) is measured against net assets of $446.31 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. Check AROW intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Working Capital to Net Assets Ratio of Arrow Financial Corporation (1991–2025)
Working capital to net assets ratio of Arrow Financial Corporation from 1991 to 2025. This chart shows how Arrow Financial Corporation's Working Capital to Net Assets ratio has evolved across 35 annual periods from 1991 to 2025. As of June 2026, the ratio stands at -881.6%, reflecting working capital of $-3.93 Billion against net assets of $446.31 Million USD. See defensive interval ratio of Arrow Financial Corporation to measure how many days the company can operate on defensive assets alone.
Arrow Financial Corporation Working Capital to Net Assets Ratio by Year (1991–2025)
Arrow Financial Corporation working capital to net assets ratio by year from 1991 to 2025. The table below presents the year-by-year Working Capital to Net Assets ratio for Arrow Financial Corporation from 1991 to 2025, covering 35 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For the complete balance sheet picture, see how large is Arrow Financial Corporation's balance sheet.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -160.5% | $-693.24 Million | $431.85 Million | $29.13 Million | $722.37 Million | ▲ +640.2 pp |
| 2024 | -800.8% | $-3.21 Billion | $400.90 Million | $617.66 Million | $3.83 Billion | ▲ +6.9 pp |
| 2023 | -807.7% | $-3.07 Billion | $379.77 Million | $640.30 Million | $3.71 Billion | ▼ -980.5 pp |
| 2022 | 172.9% | $611.15 Million | $353.54 Million | $638.15 Million | $27.00 Million | ▲ +855.4 pp |
| 2021 | -682.5% | $-2.53 Billion | $371.19 Million | $1.02 Billion | $3.55 Billion | ▲ +66.9 pp |
| 2020 | -749.4% | $-2.51 Billion | $334.39 Million | $746.28 Million | $3.25 Billion | ▲ +35.9 pp |
| 2019 | -785.3% | $-2.37 Billion | $301.73 Million | $427.56 Million | $2.80 Billion | ▲ +42.8 pp |
| 2018 | -828.1% | $-2.23 Billion | $269.58 Million | $401.77 Million | $2.63 Billion | ▼ -10.0 pp |
| 2017 | -818.1% | $-2.04 Billion | $249.60 Million | $373.04 Million | $2.42 Billion | ▼ -14.6 pp |
| 2016 | -803.5% | $-1.87 Billion | $232.85 Million | $404.35 Million | $2.28 Billion | ▼ -17.3 pp |
| 2015 | -786.2% | $-1.68 Billion | $213.97 Million | $453.38 Million | $2.14 Billion | ▼ -14.3 pp |
| 2014 | -771.9% | $-1.55 Billion | $200.93 Million | $412.43 Million | $1.96 Billion | ▼ -37.4 pp |
| 2013 | -734.5% | $-1.41 Billion | $192.15 Million | $507.59 Million | $1.92 Billion | ▼ -29.0 pp |
| 2012 | -705.5% | $-1.24 Billion | $175.82 Million | $533.02 Million | $1.77 Billion | ▼ -40.1 pp |
| 2011 | -665.4% | $-1.11 Billion | $166.38 Million | $606.36 Million | $1.71 Billion | ▲ +353.6 pp |
| 2010 | -1019.0% | $-1.55 Billion | $152.26 Million | $37.59 Million | $1.59 Billion | ▲ +7.5 pp |
| 2009 | -1026.5% | $-1.45 Billion | $140.82 Million | $74.23 Million | $1.52 Billion | ▼ -14.6 pp |
| 2008 | -1011.9% | $-1.27 Billion | $125.80 Million | $64.95 Million | $1.34 Billion | ▼ -11.9 pp |
| 2007 | -1000.1% | $-1.22 Billion | $122.26 Million | $35.29 Million | $1.26 Billion | ▲ +48.2 pp |
| 2006 | -1048.2% | $-1.24 Billion | $118.13 Million | $43.99 Million | $1.28 Billion | ▼ -49.1 pp |
| 2005 | -999.2% | $-1.17 Billion | $117.42 Million | $35.56 Million | $1.21 Billion | ▼ -112.6 pp |
| 2004 | -886.6% | $-1.05 Billion | $118.03 Million | $29.80 Million | $1.08 Billion | ▲ +114.7 pp |
| 2003 | -1001.3% | $-1.06 Billion | $105.86 Million | $27.53 Million | $1.09 Billion | ▲ +105.5 pp |
| 2002 | -1106.8% | $-1.12 Billion | $101.40 Million | $29.14 Million | $1.15 Billion | ▼ -2.9 pp |
| 2001 | -1104.0% | $-1.01 Billion | $91.50 Million | $27.94 Million | $1.04 Billion | ▲ +84.7 pp |
| 2000 | -1188.7% | $-960.21 Million | $80.78 Million | $26.61 Million | $986.82 Million | ▲ +40.0 pp |
| 1999 | -1228.6% | $-888.14 Million | $72.29 Million | $28.07 Million | $916.22 Million | ▼ -231.2 pp |
| 1998 | -997.4% | $-769.00 Million | $77.10 Million | $30.70 Million | $799.70 Million | ▼ -51.9 pp |
| 1997 | -945.5% | $-698.70 Million | $73.90 Million | $46.90 Million | $745.60 Million | ▼ -236.3 pp |
| 1996 | -709.2% | $-526.90 Million | $74.30 Million | $37.50 Million | $564.40 Million | ▲ +255.7 pp |
| 1995 | -964.9% | $-651.30 Million | $67.50 Million | $58.50 Million | $709.80 Million | ▲ +132.4 pp |
| 1994 | -1097.3% | $-640.80 Million | $58.40 Million | $34.60 Million | $675.40 Million | ▲ +186.2 pp |
| 1993 | -1283.4% | $-643.00 Million | $50.10 Million | $28.90 Million | $671.90 Million | ▲ +265.2 pp |
| 1992 | -1548.6% | $-614.80 Million | $39.70 Million | $58.30 Million | $673.10 Million | ▲ +372.3 pp |
| 1991 | -1920.9% | $-670.40 Million | $34.90 Million | $51.20 Million | $721.60 Million | — |