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ARROW FINANCIAL CORP (AROW)

ARROW FINANCIAL CORP (AROW)

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Cash Flow Overview

Change in Cash
-$98,818K
Free Cash flow
$11,587K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Increase in borrowings
    • Proceeds from maturities, calls,...
    • Proceeds from maturities, calls,...
    • Others
Negative Cash Flow Breakdown
    • Net change in deposits
    • Net increase in loans
    • Purchases of securities htm
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
10,962
-16,455
12,825
17,115
Provision for credit losses
2,827
-5,880
815
5,613
Depreciation and amortization
1,330
-2,884
1,511
2,619
Net gain on equity securities
155
-524
392
277
Loans originated and held-for-sale
7,007
-14,090
6,996
14,514
Proceeds from the sale of loans held-for-sale
6,873
-9,270
8,862
11,013
Net gain on the sale of loans
154
-283
259
314
Net loss (gain) on the sale of premises and equipment, other real estate owned and repossessed assets
-48
-34
-64
59
Contributions to retirement benefit plans
195
-314
132
339
Deferred income tax benefit
-849
-1,709
302
-123
Settlement of purchased energy production tax credits
1,850
4,070
-
-
Shares issued under the directors stock plan
116
-229
103
251
Stock-based compensation expense
323
-319
125
422
Tax benefit from exercise of stock options
-143
2
0
-111
Net (increase) decrease in other assets
4,698
-5,767
2,312
-1,027
Net increase (decrease) in other liabilities
8,081
-322
507
-2,197
Net cash provided by operating activities
15,795
-20,128
15,023
20,348
Proceeds from maturities, calls, and principal repayments of securities afs
18,785
-64,246
13,754
68,437
Purchases of securities afs
0
-44,629
48,158
39,623
Proceeds from maturities, calls, and principal repayments of securities htm
21,415
-43,486
11,624
33,932
Purchases of securities htm
21,267
-9,378
3,560
6,570
Purchase of equity securities
-
-
0
-
Net increase in loans
58,799
-72,724
20,619
42,488
Termination of fair value hedge
-
-
3,017
-
Proceeds from sales of premises and equipment, oreo and repos
889
-1,817
846
1,439
Purchases of premises and equipment
4,208
-2,713
739
3,276
Purchase of fhlb stock
13,976
-13
-188
204
Acquisition of whitehall branch (net cash received)
-
-
0
-
Net cash (used) provided by investing activities
-57,161
22,925
-49,681
11,647
Net change in deposits
-358,734
-197,651
170,721
101,400
Finance lease payments
21
-56
41
36
Increase in borrowings
305,925
-
0
0
Other borrowings - paydowns
-
-
4,335
0
Net cash collateral received from (paid to) derivative counterparties
-10
-900
2,560
-
Termination of cash flow hedge
-
-
847
-
Purchase of treasury stock
370
-9,973
1,432
8,654
Stock options exercised, net
645
63
0
102
Shares issued under espp
73
-164
79
165
Net cash collateral (paid to) received from derivative counterparties
-
-
-
-1,710
Cash dividends paid
4,960
-9,176
4,768
9,360
Net cash provided by financing activities
-57,452
-174,265
163,647
81,907
Net (decrease) increase in cash and cash equivalents
-98,818
-171,468
128,989
113,902
Cash and cash equivalents at beginning of period
397,437
397,437
154,546
-
Cash and cash equivalents at end of period
186,788
285,606
397,437
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$10,962K (-35.95%↓ Y/Y)Net increase(decrease) in other...$8,081K (467.82%↑ Y/Y)Proceeds from the sale ofloans held-for-sale$6,873K (-37.59%↓ Y/Y)Provision for creditlosses$2,827K (-49.63%↓ Y/Y)Depreciation andamortization$1,330K (-49.22%↓ Y/Y)Stock-based compensationexpense$323K (-23.46%↓ Y/Y)Tax benefit fromexercise of stock options-$143K (-28.83%↓ Y/Y)Shares issued under thedirectors stock plan$116K (-53.78%↓ Y/Y)Net loss (gain) onthe sale of premises...-$48K (-181.36%↓ Y/Y)Net cash provided byoperating activities$15,795K (-22.38%↓ Y/Y)Canceled cashflow$14,908K Net (decrease)increase in cash and cash...-$98,818K (-186.76%↓ Y/Y)Canceled cashflow$15,795K Increase in borrowings$305,925K Stock optionsexercised, net$645K (532.35%↑ Y/Y)Shares issued underespp$73K (-55.76%↓ Y/Y)Proceeds frommaturities, calls, and...$21,415K (-36.89%↓ Y/Y)Proceeds frommaturities, calls, and...$18,785K (-72.55%↓ Y/Y)Proceeds from sales ofpremises and equipment,...$889K (-38.22%↓ Y/Y)Loans originated andheld-for-sale$7,007K (-51.72%↓ Y/Y)Net (increase)decrease in other assets$4,698K (557.45%↑ Y/Y)Settlement of purchasedenergy production tax...$1,850K Deferred income taxbenefit-$849K (-590.24%↓ Y/Y)Contributions to retirementbenefit plans$195K (-42.48%↓ Y/Y)Net gain on equitysecurities$155K (-44.04%↓ Y/Y)Net gain on the saleof loans$154K (-50.96%↓ Y/Y)Net cash provided byfinancing activities-$57,452K (-170.14%↓ Y/Y)Net cash (used)provided by investing...-$57,161K (-590.78%↓ Y/Y)Canceled cashflow$306,643K Canceled cashflow$41,089K Net change indeposits-$358,734K (-453.78%↓ Y/Y)Net increase inloans$58,799K (38.39%↑ Y/Y)Cash dividends paid$4,960K (-47.01%↓ Y/Y)Purchase of treasurystock$370K (-95.72%↓ Y/Y)Finance lease payments$21K (-41.67%↓ Y/Y)Net cash collateralreceived from (paid to)...-$10K Purchases of securitieshtm$21,267K (223.70%↑ Y/Y)Purchase of fhlb stock$13,976K (6750.98%↑ Y/Y)Purchases of premises andequipment$4,208K (28.45%↑ Y/Y)