AROW Q4 2020 Earnings — Arrow Financial Corporation Revenue & Financial Results | Market Cap Arena

AROWArrow Financial Corporation

$530M

Q4 2020 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$37M+5.7% YoY

Gross Profit

$34M91.6% margin

Operating Income

$16M43.0% margin

Net Income

$12M33.3% margin

EPS (Diluted)

$0.76

QoQ Revenue Growth

+4.1%

Cash Flow

Operating Cash Flow

$15M

Free Cash Flow

$13M

Stock-Based Comp.

$105,000

Balance Sheet

Total Assets

$3.7B

Total Liabilities

$3.4B

Stockholders' Equity

$334M

Cash & Equivalents

$381M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$37M	$35M	+5.7%
Gross Profit	$34M	$29M	+16.9%
Operating Income	$16M	$12M	+31.5%
Net Income	$12M	$10M	+28.3%

Revenue Segments

Deposit Account

$3M54%

Fiduciary and Trust

$2M46%