How Arrow Financial (AROW) Makes Money: A Visual Guide
Arrow Financial (AROW) generated $242.58M in revenue (TTM through Q4 2025), earning $43.95M in net profit (18.1% margin). Its largest revenue source is Deposit Account (51.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Arrow Financial (AROW) Income Statement Flow
Frequently asked questions
How does Arrow Financial (AROW) make money?
- Arrow Financial (AROW) primarily makes money through Deposit Account, which accounts for 51.9% of total revenue. For TTM through Q4 2025, Arrow Financial generated $242.58M in total revenue with a net profit margin of 18.1%.
What is Arrow Financial (AROW) gross profit margin?
- Arrow Financial (AROW) reported a gross profit margin of 65.3% for TTM through Q4 2025, equivalent to $158.32M in gross profit. This means Arrow Financial retains 65.3% of each revenue unit after direct costs of production.
What is Arrow Financial (AROW) operating profit margin?
- Arrow Financial (AROW) reported an operating profit margin of 22.8% for TTM through Q4 2025, equivalent to $55.39M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Arrow Financial (AROW) net profit margin?
- Arrow Financial (AROW) reported a net profit margin of 18.1% for TTM through Q4 2025, equivalent to $43.95M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Arrow Financial (AROW) spend on capital expenditures?
- Arrow Financial (AROW) spent $5.09M on capital expenditures in TTM through Q4 2025 (2.1% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Arrow Financial (AROW) free cash flow?
- Arrow Financial (AROW) generated $36.19M in free cash flow for TTM through Q4 2025 (14.9% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Arrow Financial (AROW) effective tax rate?
- Arrow Financial (AROW) had an effective tax rate of 20.6% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
Data & methodology
What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
Explore more
AROW — Overview
Company profile, financial tools, and key metrics
Explore
AROW — Revenue Counter
See revenue per second, minute, hour, and day
Explore
AROW — Earnings Counter
See earnings per second, minute, hour, and day
Explore
AROW — Economic Scale
Compare revenue to country GDP
Explore
Full revenue rankings
Companies ranked by revenue
Explore