AROW Q4 2019 Earnings — Arrow Financial Corporation Revenue & Financial Results | Market Cap Arena

AROWArrow Financial Corporation

$530M

Q4 2019 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$35M+8.1% YoY

Gross Profit

$29M82.8% margin

Operating Income

$12M34.6% margin

Net Income

$10M27.5% margin

EPS (Diluted)

$0.59

QoQ Revenue Growth

-0.5%

Cash Flow

Operating Cash Flow

$11M

Free Cash Flow

$10M

Stock-Based Comp.

$407,000

Balance Sheet

Total Assets

$3.2B

Total Liabilities

$2.9B

Stockholders' Equity

$302M

Cash & Equivalents

$70M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$35M	$33M	+8.1%
Gross Profit	$29M	$28M	+5.6%
Operating Income	$12M	$11M	+12.2%
Net Income	$10M	$9M	+11.2%

Revenue Segments

Deposit Account

$3M54%

Fiduciary and Trust

$2M46%