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Arrow Financial
Arrow Financial (AROW) investor relations material
Arrow Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record net income of $14.0M ($0.85 EPS) in 4Q25 and $44.0M ($2.65 EPS) for FY2025, driven by NIM expansion and loan growth.
Tangible book value per share rose 10.3% year-over-year to $24.71.
Board declared a 1Q26 dividend of $0.30/share, a 3.4% increase from the prior quarter, marking 49 consecutive quarters of dividends.
Completed unification and system integration of two subsidiary banks in 2025, supporting strategic growth.
Ended 2025 with strong credit metrics and well-positioned for 2026.
Financial highlights
4Q25 EPS: $0.85; FY2025 EPS: $2.65.
4Q25 net income: $14.0M; FY2025 net income: $44.0M, up from $29.7M in 2024.
4Q25 FTE NIM: 3.25%; FY2025 FTE NIM: 3.19%, up from 2.74% in 2024.
Tangible book value per share: $24.71.
Net charge-offs: 0.19% for FY2025; NPLs at $8.5M (0.24% of total loans); nonperforming assets at 0.20% of year-end assets.
Outlook and guidance
NIM expansion expected to continue in 2026, especially if FRB rate cuts occur.
Entering 2026 with significant momentum and a focus on continued EPS growth and strategic execution.
Favorable deposit mix trends and ongoing pricing discipline expected to support margins.
Q4 NIM expansion drivers despite lower asset yield
Outlook for credit quality given mixed trends
Are Q4 tax strategies repeatable for ROAA benefit?
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Next Arrow Financial earnings date
Q1 202630 Apr, 2026
Arrow Financial
Next Arrow Financial earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
rrow Financial Corporation is a bank holding company based in Glens Falls, New York. It operates through its subsidiaries, providing a wide array of banking and insurance services across northeastern New York. The company's offerings include online and mobile banking, wealth management, as well as money market and deposit accounts. Furthermore, Arrow Financial Corporation extends its services to include mortgage, consumer, and commercial loans. The company is headquartered in Glens Falls, New York, and its shares are listed on the Nasdaq.
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