How Arrow Financial (AROW) Makes Money: A Visual Guide
Arrow Financial (AROW) generated $246.80M in revenue, earning $51.13M in net profit (20.7% margin). Its largest revenue source is Deposit Account (51.7% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Arrow Financial (AROW) generated revenue across 2 reportable product segments; the largest contributor was Deposit Account at 51.7%, followed by Fiduciary and Trust (48.3%).
Arrow Financial (AROW) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Arrow Financial (AROW) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Arrow Financial (AROW) in TTM through Q1 2026.
Deposit Account
- Revenue
- $127.62M
- % of total
- 51.7%
Fiduciary and Trust
- Revenue
- $119.17M
- % of total
- 48.3%
Total
- Revenue
- $246.80M
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Deposit Account | $127.62M | 51.7% |
| Fiduciary and Trust | $119.17M | 48.3% |
| Total | $246.80M | 100% |
Frequently asked questions
How does Arrow Financial (AROW) make money?
Arrow Financial (AROW) primarily makes money through Deposit Account, which accounts for 51.7% of total revenue. For TTM through Q1 2026, Arrow Financial generated $246.80M in total revenue with a net profit margin of 20.7%.
What is Arrow Financial (AROW) gross profit margin?
Arrow Financial (AROW) reported a gross profit margin of 68.2% for TTM through Q1 2026, equivalent to $168.35M in gross profit. This means Arrow Financial retains 68.2% 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 26.2% for TTM through Q1 2026, equivalent to $64.60M 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 20.7% for TTM through Q1 2026, equivalent to $51.13M 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 $5.12M on capital expenditures in TTM through Q1 2026 (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 $41.34M in free cash flow for TTM through Q1 2026 (16.7% 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 20.9% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Arrow Financial (AROW) main revenue segments?
Arrow Financial (AROW) reports revenue across 2 reportable product segments, led by Deposit Account at 51.7% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
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.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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