For the quarter ending 2026-03-31, AROW had -$171,468K decrease in cash & cash equivalents over the period. -$17,415K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -16,455 | 12,825 | 17,115 |
| Provision for credit losses | -5,880 | 815 | 5,613 |
| Depreciation and amortization | -2,884 | 1,511 | 2,619 |
| Net gain on equity securities | -524 | 392 | 277 |
| Loans originated and held-for-sale | -14,090 | 6,996 | 14,514 |
| Proceeds from the sale of loans held-for-sale | -9,270 | 8,862 | 11,013 |
| Net gain on the sale of loans | -283 | 259 | 314 |
| Net loss on the sale of premises and equipment, other real estate owned and repossessed assets | -34 | -64 | 59 |
| Contributions to retirement benefit plans | -314 | 132 | 339 |
| Deferred income tax benefit | -1,709 | 302 | -123 |
| Settlement of energy production tax credits | 4,070 | - | - |
| Shares issued under the directors stock plan | -229 | 103 | 251 |
| Stock-based compensation expense | -319 | 125 | 422 |
| Tax benefit from exercise of stock options | 2 | 0 | -111 |
| Net increase in other assets | -5,767 | 2,312 | -1,027 |
| Net decrease in other liabilities | -322 | 507 | -2,197 |
| Net cash provided by operating activities | -20,128 | 15,023 | 20,348 |
| Proceeds from maturities, calls, and principal repayments of securities afs | -64,246 | 13,754 | 68,437 |
| Purchases of securities afs | -44,629 | 48,158 | 39,623 |
| Proceeds from maturities, calls, and principal repayments of securities htm | -43,486 | 11,624 | 33,932 |
| Purchases of securities htm | -9,378 | 3,560 | 6,570 |
| Purchase of equity securities | - | 0 | - |
| Net decrease (increase) in loans | -72,724 | 20,619 | 42,488 |
| Termination of fair value hedge | - | 3,017 | - |
| Proceeds from sales of premises and equipment, oreo and repos | -1,817 | 846 | 1,439 |
| Purchases of premises and equipment | -2,713 | 739 | 3,276 |
| Purchase of fhlb stock | -13 | -188 | 204 |
| Acquisition of whitehall branch (net cash received) | - | 0 | - |
| Net cash (used) provided by investing activities | 22,925 | -49,681 | 11,647 |
| Net increase in deposits | -197,651 | 170,721 | 101,400 |
| Finance lease payments | -56 | 41 | 36 |
| Other borrowings - advances | - | 0 | 0 |
| Other borrowings - paydowns | - | 4,335 | 0 |
| Net cash collateral received from (paid to) derivative counterparties | -900 | 2,560 | - |
| Termination of cash flow hedge | - | 847 | - |
| Purchase of treasury stock | -9,973 | 1,432 | 8,654 |
| Stock options exercised, net | 63 | 0 | 102 |
| Shares issued under espp | -164 | 79 | 165 |
| Net cash collateral (paid to) received from derivative counterparties | - | - | -1,710 |
| Cash dividends paid | -9,176 | 4,768 | 9,360 |
| Net cash provided by financing activities | -174,265 | 163,647 | 81,907 |
| Net increase in cash and cash equivalents | -171,468 | 128,989 | 113,902 |
| Cash and cash equivalents at beginning of period | 397,437 | 154,546 | - |
| Cash and cash equivalents at end of period | 285,606 | 397,437 | - |
ARROW FINANCIAL CORP (AROW)
ARROW FINANCIAL CORP (AROW)