For the quarter ending 2025-09-30, AROW had $128,989K increase in cash & cash equivalents over the period. $14,284K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 12,825 | 17,115 |
| Provision for credit losses | 815 | 5,613 |
| Depreciation and amortization | 1,511 | 2,619 |
| Net gain on equity securities | 392 | 277 |
| Loans originated and held-for-sale | 6,996 | 14,514 |
| Proceeds from the sale of loans held-for-sale | 8,862 | 11,013 |
| Net gain on the sale of loans | 259 | 314 |
| Net loss (gain) on the sale of premises and equipment, other real estate owned and repossessed assets | -64 | 59 |
| Contributions to retirement benefit plans | 132 | 339 |
| Deferred income tax expense (benefit) | 302 | -123 |
| Shares issued under the directors stock plan | 103 | 251 |
| Stock-based compensation expense | 125 | 422 |
| Tax benefit from exercise of stock options | 0 | -111 |
| Net increase in other assets | 2,312 | -1,027 |
| Net (decrease) increase in other liabilities | 507 | -2,197 |
| Net cash provided by operating activities | 15,023 | 20,348 |
| Proceeds from maturities, calls, and principal repayments of securities afs | 13,754 | 68,437 |
| Purchases of securities afs | 48,158 | 39,623 |
| Proceeds from maturities, calls, and principal repayments of securities htm | 11,624 | 33,932 |
| Purchases of securities htm | 3,560 | 6,570 |
| Purchase of equity securities | 0 | - |
| Net increase in loans | 20,619 | 42,488 |
| Termination of fair value hedge | 3,017 | - |
| Proceeds from sales of premises and equipment, oreo and repos | 846 | 1,439 |
| Purchases of premises and equipment | 739 | 3,276 |
| (purchase) redemption of fhlb stock | -188 | 204 |
| Acquisition of whitehall branch (net cash received) | 0 | - |
| Net cash (used) provided by investing activities | -49,681 | 11,647 |
| Net increase in deposits | 170,721 | 101,400 |
| Finance lease payments | 41 | 36 |
| Other borrowings - advances | 0 | 0 |
| Other borrowings - paydowns | 4,335 | 0 |
| Net cash collateral received from (paid to) derivative counterparties | 2,560 | - |
| Termination of cash flow hedge | 847 | - |
| Purchase of treasury stock | 1,432 | 8,654 |
| Stock options exercised, net | 0 | 102 |
| Shares issued under espp | 79 | 165 |
| Net cash collateral (paid to) received from derivative counterparties | - | -1,710 |
| Cash dividends paid | 4,768 | 9,360 |
| Net cash provided by financing activities | 163,647 | 81,907 |
| Net increase in cash and cash equivalents | 128,989 | 113,902 |
| Cash and cash equivalents at beginning of period | 154,546 | - |
| Cash and cash equivalents at end of period | 397,437 | - |
ARROW FINANCIAL CORP (AROW)
ARROW FINANCIAL CORP (AROW)