AROW Q4 2021 Earnings — Arrow Financial Corporation Revenue & Financial Results | Market Cap Arena

AROWArrow Financial Corporation

$546M

Q4 2021 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$36M-4.1% YoY

Gross Profit

$34M95.2% margin

Operating Income

$13M37.2% margin

Net Income

$10M28.7% margin

EPS (Diluted)

$0.62

QoQ Revenue Growth

-4.2%

Cash Flow

Operating Cash Flow

$12M

Free Cash Flow

$9M

Stock-Based Comp.

$196,000

Balance Sheet

Total Assets

$4.0B

Total Liabilities

$3.7B

Stockholders' Equity

$371M

Cash & Equivalents

$458M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$36M	$37M	-4.1%
Gross Profit	$34M	$34M	-0.3%
Operating Income	$13M	$16M	-17.1%
Net Income	$10M	$12M	-17.5%

Revenue Segments

Deposit Account

$3M53%

Fiduciary and Trust

$3M47%