Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $26.5M | $29.3M | $36.3M | $37.5M | $40.8M | $49.9M | $48.8M | $30.1M | $29.7M | $44.0M |
| EPS (diluted) | $1.86 | $1.98 | $2.36 | $2.36 | $2.49 | $2.92 | $2.86 | $1.77 | $1.77 | $2.65 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $34.7M | $37.8M | $42.0M | $43.9M | $42.3M | $68.2M | $59.7M | $20.6M | $34.5M | $41.3M |
| Capital expenditures | $1.44M | $2.60M | $5.10M | $7.79M | $5.13M | $7.14M | $14.3M | $7.08M | $5.60M | $5.09M |
| Free cash flow | $33.3M | $35.2M | $36.9M | $36.2M | $37.2M | $61.1M | $45.5M | $13.5M | $28.9M | $36.2M |
| Share buybacks | $2.14M | $3.25M | $2.10M | $2.47M | $1.58M | $2.66M | $2.87M | $3.61M | $6.79M | $10.2M |
| Dividends paid | $13.1M | $13.6M | $14.4M | $15.2M | $15.7M | $16.3M | $17.4M | — | — | — |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $57.4M | $72.8M | $84.2M | $70.2M | $381M | $458M | $64.7M | $143M | $155M | $214M |
| Total assets | $2.61B | $2.76B | $2.99B | $3.18B | $3.69B | $4.03B | $3.97B | $4.17B | $4.31B | $4.45B |
| Total liabilities | $2.37B | $2.51B | $2.72B | $2.88B | $3.35B | $3.66B | $3.62B | $3.79B | $3.91B | $4.01B |
| Long-term debt | $55.0M | $55.0M | $45.0M | $30.0M | $45.0M | $45.0M | $27.8M | $6.50M | $8.60M | $4.26M |
| Shareholders' equity | $233M | $250M | $270M | $302M | $334M | $371M | $354M | $380M | $401M | $432M |
| Retained earnings | $28.6M | $28.8M | $29.3M | $33.2M | $41.9M | $54.1M | $65.4M | $65.8M | $77.2M | $102M |
| Shares (wtd avg diluted) | 14.3M | 14.8M | 15.4M | 15.9M | 16.4M | 17.1M | 17.1M | 17.0M | 16.7M | 16.5M |
Every figure is extracted from ARROW FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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