Arrow Financial (AROW) Times Interest Earned (2010 - 2025)

Arrow Financial (AROW) reported Times Interest Earned of $1.22 for Q4 2025, up 33.78% on a YoY basis from $0.91 in Q4 2024, and down 34.25% quarter-over-quarter from $1.85 in Q3 2025.

Arrow Financial (AROW) Times Interest Earned (2010 - 2025) Analysis & Trends

Arrow Financial has reported Times Interest Earned for 16 years, with the latest figure at $1.22 in Q4 2025.

  • For the quarter ending Q4 2025, Times Interest Earned rose 33.78% year-over-year to $1.22; the trailing twelve-month figure through Mar 2026 stood at $1.67 (down 89.41% YoY), and the FY2025 full-year result was $1.72, down 84.75% from the prior year.
  • Times Interest Earned for Q4 2025 stood at $1.22, down from $1.85 in the prior quarter.
  • The five-year high for Times Interest Earned was $78.72 in Q4 2022, with the low at $0.91 in Q4 2024.
  • Historically, Times Interest Earned has averaged $10.14 across 5 years, with a median of $4.22 in 2023.
  • Annual changes were most pronounced in 2022 — Times Interest Earned jumped 524.3% — and 2023, when it sank 98.5%.
  • Arrow Financial's Times Interest Earned stood at $12.61 in 2021, then jumped by 524.3% to $78.72 in 2022, then plunged by 98.5% to $1.18 in 2023, then declined by 22.76% to $0.91 in 2024, then jumped by 33.78% to $1.22 in 2025.
  • The last three Times Interest Earned figures came in at $1.22 (Q4 2025), $1.85 (Q3 2025), and $1.43 (Q1 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Times Interest Earned (Qtr)
1 Bank Of Chile 98,685.34 Bn 98,685.34 Bn - -1.52
2 Bank Bradesco 6,797.89 Bn 6,781.94 Bn - -
3 Lloyds Banking 384.13 Bn 384.40 Bn - -
4 First Capital 210.21 Bn 210.06 Bn - 2.53
5 Itau Unibanco Holding 201.76 Bn 201.76 Bn - -
6 Landmark Bancorp 180.25 Bn 180.22 Bn - 2.21
7 NatWest 168.65 Bn -51.67 Bn - -
8 Shinhan Financial 142.02 Bn 109.60 Bn - 0.04
9 Mizuho Financial 112.02 Bn 112.56 Bn - -
10 Arrow Financial 642.01 Mn 619.62 Mn - -

Historic Data

Download Data
DateValue
Dec 31, 2025 1.22
Sep 30, 2025 1.85
Mar 31, 2025 1.43
Dec 31, 2024 0.91
Sep 30, 2024 1.55
Jun 30, 2024 1.52
Mar 31, 2024 10.00
Dec 31, 2023 1.18
Sep 30, 2023 1.57
Jun 30, 2023 4.22
Mar 31, 2023 2.36
Dec 31, 2022 78.72
Sep 30, 2022 5.71
Jun 30, 2022 10.99
Mar 31, 2022 15.50
Dec 31, 2021 12.61
Sep 30, 2021 15.38
Jun 30, 2021 14.10
Mar 31, 2021 11.87
Dec 31, 2020 9.41