Arrow Financial (AROW) Financials

Arrow Financial Corp (AROW) is a financial holding company that operates through its subsidiary banks, Glens Falls National Bank and Trust Company (GFN) and Saratoga National Bank and Trust Company (SNB). This means that Arrow Financial Corp oversees the operations and performance of these two banks. Both GFN and SNB provide a range of banking and financial services to their customers, including commercial and consumer banking, trust and investment management, and insurance services. The financials of Arrow Financial Corp provide important insights into the overall financial health and performance of the company and its subsidiary banks.

The income statement of Arrow Financial Corp (AROW) details the company's revenues, expenses, and net income. This statement shows the amount of money the company generates from its operations, as well as its overall profitability. The ebit (earnings before interest and taxes) is an important measure of the company's profitability before accounting for interest and taxes. Ebitda (earnings before interest, taxes, depreciation, and amortization) takes into account additional non-cash expenses like depreciation and amortization. Gross profit indicates the amount of money left after subtracting the cost of goods sold from the total revenue.

Net income from stockholders represents the profit that remains after all expenses and taxes are deducted, which is then distributed among the stockholders in the form of dividends. Total revenue reflects the overall income generated by Arrow Financial Corp, including income from its subsidiaries. The balance sheet provides a snapshot of the company's financial position at a specific point in time and includes assets, liabilities, and stockholders' equity. Cash equivalents are highly liquid assets that can be easily converted into cash. Net debt is calculated by subtracting cash and cash equivalents from total debt.

Stockholders' equity represents the ownership interest of the company's stockholders and is calculated by subtracting total liabilities from total assets. Total assets encompass all of Arrow Financial Corp's resources, including cash, property, equipment, investments, and other assets. Total debt includes both short-term and long-term debt obligations of the company. Total liabilities include both current and long-term obligations, such as loans, accounts payable, and accrued expenses.

Cash flow is an important indicator of a company's financial performance and shows the amount of cash generated or used by its operating, investing, and financing activities. Financing cash flow includes activities related to obtaining or repaying capital, such as issuing or repurchasing stock, paying dividends, or borrowing or repaying loans. Free cash flow represents the cash a company has available after deducting capital expenditures necessary to maintain or expand its asset base. Investing cash flow includes activities related to the acquisition or sale of assets, such as property, equipment, investments, or subsidiaries. Operating cash flow represents the cash generated or used in the company's primary operations, such as revenue from sales and payment of expenses.