Arrow Financial (AROW)
Runs Arrow Bank across northeastern New York banking, insurance, and wealth services.
$37.04
vs last close−0.42 (−1.12%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 50 | 52 | 55 | 56 | 58 | 55 | 58 | 59 | 62 | 63 | 62 | 24 |
| Cost of revenue | 17 | 19 | 21 | 22 | 22 | 24 | 24 | 20 | 20 | 20 | 18 | 18 |
| Gross profit | 33 | 33 | 34 | 34 | 36 | 31 | 34 | 40 | 42 | 43 | 44 | 6 |
| 23 | 23 | 24 | 23 | 24 | 26 | 26 | 26 | 25 | 26 | 27 | 22 | |
| 13 | 13 | 14 | 14 | 14 | 15 | 14 | 15 | 15 | 21 | 22 | 22 | |
| Selling & marketing | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 13 | 12 | 14 | 14 | 14 | 14 | 14 | 15 | 15 | 21 | 22 | 22 |
| Other expenses | 11 | 10 | 10 | 10 | 10 | 11 | 12 | 11 | 10 | 4 | 4 | 0 |
| Operating income | 10 | 9 | 10 | 11 | 12 | 5 | 8 | 14 | 17 | 17 | 17 | −16 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30 | |
| Interest income | 42 | 44 | 47 | 48 | 49 | 51 | 50 | 52 | 54 | 55 | 54 | −54 |
| Interest expense | 17 | 19 | 20 | 21 | 21 | 21 | 19 | 19 | 19 | 19 | 18 | 18 |
| Income before tax | 10 | 9 | 10 | 11 | 12 | 5 | 8 | 14 | 17 | 17 | 17 | 14 |
| Income tax expense | 2 | 2 | 2 | 2 | 3 | 1 | 2 | 3 | 4 | 3 | 4 | 3 |
| Net income from continuing operations | 8 | 8 | 8 | 9 | 9 | 4 | 6 | 11 | 13 | 14 | 13 | 11 |
| Net income | 8 | 8 | 8 | 9 | 9 | 4 | 6 | 11 | 13 | 14 | 13 | 11 |
| EPS, basic | $0.46 | $0.45 | $0.45 | $0.52 | $0.54 | $0.27 | $0.38 | $0.65 | $0.78 | $0.85 | $0.82 | $0.67 |
| EPS, diluted | $0.46 | $0.45 | $0.45 | $0.51 | $0.54 | $0.27 | $0.38 | $0.65 | $0.78 | $0.85 | $0.82 | $0.67 |
| Weighted average shares, basic | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 16 | 16 | 16 | 16 |
| Weighted average shares, diluted | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 16 | 16 | 16 | 16 |
| EBITDA | 11 | 11 | 11 | 12 | 13 | 7 | 9 | 15 | 18 | 18 | 19 | −18 |
| Depreciation & amortization | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | −1 |
| EBIT | 10 | 9 | 10 | 11 | 12 | 5 | 8 | 14 | 17 | 17 | 17 | −16 |