Company Quick10K Filing
Arrow Financial
10-Q 2020-03-31 Filed 2020-05-07
10-K 2019-12-31 Filed 2020-02-28
10-Q 2019-09-30 Filed 2019-11-05
10-Q 2019-06-30 Filed 2019-08-05
10-Q 2019-03-31 Filed 2019-05-09
10-K 2018-12-31 Filed 2019-03-08
10-Q 2018-09-30 Filed 2018-11-08
10-Q 2018-06-30 Filed 2018-08-08
10-Q 2018-03-31 Filed 2018-05-09
10-K 2017-12-31 Filed 2018-03-12
10-Q 2017-09-30 Filed 2017-11-07
10-Q 2017-06-30 Filed 2017-08-08
10-Q 2017-03-31 Filed 2017-05-09
10-K 2016-12-31 Filed 2017-03-14
10-Q 2016-09-30 Filed 2016-11-09
10-Q 2016-06-30 Filed 2016-08-09
10-Q 2016-03-31 Filed 2016-05-10
10-K 2015-12-31 Filed 2016-03-10
10-Q 2015-09-30 Filed 2015-11-06
10-Q 2015-06-30 Filed 2015-08-06
10-Q 2015-03-31 Filed 2015-05-08
10-K 2014-12-31 Filed 2015-03-13
10-Q 2014-09-30 Filed 2014-11-07
10-Q 2014-06-30 Filed 2014-08-06
10-Q 2014-03-31 Filed 2014-05-08
10-K 2013-12-31 Filed 2014-03-17
10-Q 2013-09-30 Filed 2013-11-12
10-Q 2013-06-30 Filed 2013-08-07
10-Q 2013-03-31 Filed 2013-05-09
10-K 2012-12-31 Filed 2013-03-15
10-Q 2012-09-30 Filed 2012-11-08
10-Q 2012-06-30 Filed 2012-08-09
10-Q 2012-03-31 Filed 2012-05-08
10-K 2011-12-31 Filed 2012-03-14
10-Q 2011-09-30 Filed 2011-11-08
10-Q 2011-06-30 Filed 2011-08-08
10-Q 2011-03-31 Filed 2011-05-10
10-K 2010-12-31 Filed 2011-03-10
10-Q 2010-09-30 Filed 2010-11-05
10-Q 2010-06-30 Filed 2010-08-04
10-Q 2010-03-31 Filed 2010-05-07
10-K 2009-12-31 Filed 2010-03-05
8-K 2020-05-07 Shareholder Vote
8-K 2020-04-30 Other Events, Exhibits
8-K 2020-04-24 Earnings, Other Events, Exhibits
8-K 2020-04-23 Other Events, Exhibits
8-K 2020-02-03 Officers, Other Events, Exhibits
8-K 2020-01-28 Earnings, Exhibits
8-K 2019-10-30 Other Events, Exhibits
8-K 2019-10-22 Earnings, Exhibits
8-K 2019-08-28 Other Events, Exhibits
8-K 2019-07-31 Other Events, Exhibits
8-K 2019-07-22 Earnings, Exhibits
8-K 2019-06-03 Amend Bylaw, Exhibits
8-K 2019-05-08 Shareholder Vote
8-K 2019-04-24 Other Events, Exhibits
8-K 2019-04-23 Earnings, Exhibits
8-K 2019-02-04 Officers, Other Events, Exhibits
8-K 2019-01-29 Earnings, Exhibits
8-K 2018-10-31 Other Events, Exhibits
8-K 2018-10-22 Earnings, Exhibits
8-K 2018-08-29 Other Events, Exhibits
8-K 2018-07-25 Other Events, Exhibits
8-K 2018-07-23 Earnings, Exhibits
8-K 2018-04-25 Other Events, Exhibits
8-K 2018-04-25 Shareholder Vote
8-K 2018-04-23 Earnings, Exhibits
8-K 2018-02-06 Officers, Exhibits
8-K 2018-01-31 Other Events, Exhibits
8-K 2018-01-30 Earnings, Exhibits

Arrow Financial Financials

AROW Metrics, Comps, Filings

Quarterly | Annual

Business

Our holding company, Arrow Financial Corporation, a New York corporation, was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. Arrow owns two nationally- chartered banks in New York (Glens Falls National and Saratoga National), and through such banks indirectly owns various non-

bank subsidiaries, including an insurance agency, a registered investment adviser and a REIT. See "The Company and Its Subsidiaries," above.

Copy History Subsidiary Banks (dollars in thousands) Glens Falls National Saratoga NationalTotal Assets at Year-End$2,444,624 $542,244Trust Assets Under Administration and Investment Management at Year-End (Not Included in Total Assets)$1,282,364 $103,388Date Organized1851 1988Employees (full-time equivalent)462 54Offices30 10Counties of OperationWarren, Washington,Saratoga, Essex &Clinton Saratoga, Albany,Rensselaer, & SchenectadyMain Office250 Glen StreetGlens Falls, NY 171 So. BroadwaySaratoga Springs, NY


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Equity

Income Statement ($BB Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($BB Quarterly)

Ops, Inv, Fin

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
The Bancorp (TBBK) 585 -6.5 0% 4,944 4,459 0 0 7 57 -371
First Mid Illinois Bancshares (FMBH) 580 6.2 1% 3,838 3,316 0 0 36 76 472
First Bancshares (FBMS) 580 8.5 1% 3,482 3,004 0 0 32 68 580
First of Long Island (FLIC) 574 0% 9.2 1% 4,163 3,774 2 0 42 94 871
People's Utah Bancorp (PUB) 550 3.5 2% 2,444 2,122 0 0 43 59 210
Mercantile Bank (MBWM) 550 6.7 1% 3,710 3,303 0 0 48 82 550
First Financial (THFF) 549 6.8 1% 3,988 3,432 0 0 46 69 469
Heritage Commerce (HTBK) 517 0% 1.2 2% 3,182 2,787 3 0 48 83 101
First Community Bancshares (FCBC) 507 5.9 2% 2,205 1,868 0 0 39 55 324
Arrow Financial (AROW) 501 7.4 1% 3,113 2,821 0 0 28 55 409
Independent Bank (IBCP) 501 0% 6.9 1% 3,551 3,211 19 0 33 61 418
Financial Institutions (FISI) 500 4.8 1% 4,333 3,900 0 0 36 83 403
Old Line (OLBK) 499 8.0 1% 3,097 2,699 0 0 27 62 491
Merchants Bancorp (MBIN) 497 1.7 1% 6,337 5,708 0 0 63 169 292
Midwestone Financial Group (MOFG) 495 8.2 1% 4,648 4,150 0 0 38 90 740
Franklin Financial Network (FSB) 464 2.6 1% 3,818 3,410 0 0 23 110 285
CNB Financial (CCNE) 450 5.1 1% 3,541 3,244 0 0 39 78 398
Capital City Bank Group (CCBG) 448 11.9 1% 2,935 2,613 0 0 22 38 448
Equity Bancshares (EQBK) 446 4.5 0% 4,075 3,608 0 0 16 61 278
Atlantic Capital Bancshares (ACBI) 425 6.0 2% 2,410 2,081 0 0 43 67 406

Balance Sheet ($MM)2011-06-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash44138581364913745725076526546112457051611025765668173100619284616392
Accounts Receivable
Inventory
PP&E192323252755292929572928285828292859272727602727266328282967353940
Assets1,9021,9632,0201,9672,0412,0232,1162,0832,1572,1642,2222,1532,2092,2172,3362,3332,4202,4462,4792,5402,5802,6052,6562,7222,7442,7602,8272,8452,9532,9882,9853,0063,113
Accounts Payable
Long-Term Debt30201055555545
Liabilities1,7381,7961,8521,7951,8641,8471,9381,9061,9741,9722,0271,9552,0092,0162,1312,1262,2082,2322,2582,3152,3512,3722,4202,4812,5002,5112,5742,5862,6882,7192,7082,7212,821
Stockholders' Equity164166168172176176178178183192194198200201205207211214221225229233236241245250253259265270277285292
Income Statement ($MM)2011-06-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax3233322222233332333333332252223
Net Income656665566566666677777777891099910
Cash Flow ($MM)2011-06-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302014-12-312015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating989610981086799569105101010981112913111012
Cash Investing33-283-74-8-70-45-26-3343-45-33-51-65-59-54-23-55-5-75-44-67-8-30-43-60-78-8-16-76
Cash Financing52-6066-2087-3165-751-74506108-778272253332142591511581297-25794