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Operating Margin for Arrow Financial (AROW)

As of · Reported

Metric

TTM

26.2%

YoY change

+6.09pp

Trough year (1991)

-45.9%

Peak year (2006)

46.8%

Operating Margin history chart for Arrow Financial (AROW) from 1991 to 2025

Latest: 22.8%

Operating Margin change chart for Arrow Financial (AROW) from 1991 to 2025

Latest: +6.09pp

Operating Margin history table for Arrow Financial (AROW) from 1991 to 2025

  • 202522.8%+6.09pp
  • 202416.7%-2.83pp
  • 202319.6%-19.61pp
  • 202239.2%-4.35pp
  • 202143.5%+7.66pp
  • 202035.9%+1.84pp
  • 201934.0%-2.08pp
  • 201836.1%+0.62pp
  • 201735.5%-0.55pp
  • 201636.0%+0.36pp
  • 201535.7%+0.44pp
  • 201435.2%+1.75pp
  • 201333.5%+0.48pp
  • 201233.0%+2.19pp
  • 201130.8%+0.40pp
  • 201030.4%+0.00pp
  • 200930.4%+3.00pp
  • 200827.4%+3.94pp
  • 200723.5%-23.30pp
  • 200646.8%+16.06pp
  • 200530.7%-4.12pp
  • 200434.8%+1.71pp
  • 200333.1%+1.13pp
  • 200232.0%+6.27pp
  • 200125.7%+3.14pp
  • 200022.6%-1.69pp
  • 199924.3%-0.15pp
  • 199824.4%-1.23pp
  • 199725.7%-13.89pp
  • 199639.6%+13.80pp
  • 199525.8%+5.47pp
  • 199420.3%+6.20pp
  • 199314.1%+7.77pp
  • 19926.3%+52.25pp
  • 1991-45.9%—

Operating Margin values are taken from Arrow Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Operating Margin at Arrow Financial (AROW)

According to Arrow Financial's latest reported financial statements, the company's latest reported operating margin is 26.2%. Operating margin is operating income divided by revenue — the share of each sales dollar left after cost of goods sold and operating expenses (SG&A, R&D), but before interest and taxes. It isolates how profitable the core business is before financing and tax decisions, so it is comparable across companies with different capital structures.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

2025's annual operating margin for Arrow Financial (AROW) came in at 22.83% – expanded 6.1 percentage points year-over-year.

2006 marks the peak operating margin at 46.77%, with the historical low of -45.92% recorded in 1991.

Arrow Financial Operating Margin by Year

Arrow Financial Operating Margin 2025: 22.8%

In 2025, Arrow Financial reported operating margin of 22.83%, expanded 6.1 percentage points from 2024.

Arrow Financial Operating Margin 2024: 16.7%

Arrow Financial operating margin in 2024 was 16.75%, contracted 2.8 percentage points from 2023.

Arrow Financial Operating Margin 2023: 19.6%

2023's operating margin for Arrow Financial came in at 19.57%, contracted 19.6 percentage points from 2022.

Arrow Financial Operating Margin 2022: 39.2%

Arrow Financial posted operating margin of 39.19% in 2022, contracted 4.4 percentage points from 2021.

Arrow Financial Operating Margin 2021: 43.5%

Arrow Financial operating margin in 2021 was 43.54%.

See more financial history for Arrow Financial (AROW).

Sector peers by Operating Margin

Financial Services peers of Arrow Financial (AROW), ranked by their latest operating margin

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