Arrow Financial Corporation — Earnings Quality Grade A
AROW · Financial Services
Strong financial health
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 18.4%, CFFO 19.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -9.1% vs revenue 18.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.94. Profits backed by cash
FCF $0.0B, FCF/NI = 0.82
Accruals ratio = 0.1%. Low accruals
Cash $0.2B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Arrow Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25