Operating Income for Arrow Financial (AROW)
According to Arrow Financial's latest reported financial statements, the company's current operating income (TTM) is $55.39M USD. Operating income is profit from core operations: revenue minus cost of goods sold and operating expenses (SG&A, R&D). It excludes interest, taxes, and non-operating items, so it isolates how profitable the business itself is before financing and tax decisions. Compare with EBITDA and net income.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
AROW
Currently viewingOperating IncomeSwitch metric
TTM (last 4 quarters)
$55.39M
YoY change
+48.3%
5Y CAGR
+1.3%
Peak year (2021)
$64.40M
Cumulative operating income
$1.03B
Operating Income history chart for Arrow Financial (AROW) from 1985 to 2025
Operating Income history table for Arrow Financial (AROW) from 1985 to 2025
| Fiscal year | Period ended | Reported | Operating Income | YoY |
|---|---|---|---|---|
| 2025 | $55.39M | +48.3% | ||
| 2024 | $37.36M | -0.4% | ||
| 2023 | $37.52M | -40.4% | ||
| 2022 | $62.91M | -2.3% | ||
| 2021 | $64.40M | +24.2% | ||
| 2020 | $51.86M | +10.2% | ||
| 2019 | $47.08M | +3.9% | ||
| 2018 | $45.30M | +13.7% | ||
| 2017 | $39.85M | +5.6% | ||
| 2016 | $37.75M | +7.0% | ||
| 2015 | $35.27M | +5.2% | ||
| 2014 | $33.53M | +8.6% | ||
| 2013 | $30.87M | -3.0% | ||
| 2012 | $31.84M | +0.6% | ||
| 2011 | $31.65M | +0.0% | ||
| 2010 | $31.65M | +0.2% | ||
| 2009 | $31.58M | +7.3% | ||
| 2008 | $29.44M | +21.9% | ||
| 2007 | $24.14M | +0.5% | ||
| 2006 | $24.02M | -10.2% | ||
| 2005 | $26.74M | -6.0% | ||
| 2004 | $28.44M | +3.3% | ||
| 2003 | $27.52M | -0.5% | ||
| 2002 | $27.67M | +21.0% | ||
| 2001 | $22.87M | +17.9% | ||
| 2000 | $19.39M | +4.3% | ||
| 1999 | $18.60M | +6.3% | ||
| 1998 | $17.50M | +8.0% | ||
| 1997 | $16.20M | -47.9% | ||
| 1996 | $31.10M | +60.3% | ||
| 1995 | $19.40M | +56.5% | ||
| 1994 | $12.40M | +44.2% | ||
| 1993 | $8.60M | +104.8% | ||
| 1992 | $4.20M | -111.0% | ||
| 1991 | -$38.30M | — | ||
| 1990 | $0 | — | ||
| 1989 | $0 | — | ||
| 1988 | $0 | — | ||
| 1987 | $0 | — | ||
| 1986 | $0 | — | ||
| 1985 | $0 | — |
Operating Income values are taken from Arrow Financial's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
2025's annual operating income for Arrow Financial (AROW) came in at $55.39M – surged 48.3% year-over-year.
Over 2020–2025 (5 years), Arrow Financial operating income expanded at a +1.3% compound annual rate, with the latest reading among the more recent periods of the dataset.
Arrow Financial operating income declined from $64.40M in 2021 to $55.39M in 2025, a 14.0% drawdown.
The highest annual operating income of $64.40M was reported in 2021. The lowest in the available history was -$38.30M in 1991.
Among 8 Financial Services peers, Arrow Financial (AROW) ranks 9th; the peer median for operating income is $24.60B.
Arrow Financial Operating Income by Year
Arrow Financial Operating Income 2025: $55.39M
Arrow Financial operating income in 2025 was $55.39M, surged 48.3% from 2024.
Arrow Financial Operating Income 2024: $37.36M
Arrow Financial operating income in 2024 was $37.36M, edged down 0.4% below 2023.
Arrow Financial Operating Income 2023: $37.52M
Arrow Financial operating income in 2023 was $37.52M, plunged 40.4% below 2022.
Arrow Financial Operating Income 2022: $62.91M
Arrow Financial operating income in 2022 was $62.91M, edged down 2.3% below 2021.
Arrow Financial Operating Income 2021: $64.40M
Arrow Financial operating income in 2021 was $64.40M.
See more financial history for Arrow Financial (AROW).
Sector peers — Operating Income
Companies in the same sector as Arrow Financial, ranked by their latest operating income.
| Company | Operating Income | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $72.59B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $59.54B | Financial Services |
| Bank of America Corporation (BAC) | $37.70B | Financial Services |
| Wells Fargo & Company (WFC) | $25.20B | Financial Services |
| Visa Inc. (V) | $23.99B | Financial Services |
| Morgan Stanley (MS) | $21.95B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $21.85B | Financial Services |
| Mastercard Incorporated (MA) | $19.40B | Financial Services |
Frequently asked questions
What is Arrow Financial's operating income?
Latest reported operating income for Arrow Financial (AROW) is $55.39M (period ending December 31, 2025).
How has Arrow Financial operating income changed year-over-year?
Arrow Financial (AROW) operating income changed +48.3% year-over-year on the latest annual filing.
What is the long-term growth rate of Arrow Financial operating income?
Arrow Financial (AROW) operating income compound annual growth rate is +1.3% over the most recent 5 years available.
When did Arrow Financial operating income hit its highest annual value?
Arrow Financial operating income reached its highest annual value of $64.40M in 2021.
What was Arrow Financial operating income in 2024?
Arrow Financial (AROW) operating income in 2024 was $37.36M.
What was Arrow Financial operating income in 2025?
Arrow Financial (AROW) operating income in 2025 was $55.39M.
Metrics overview
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