AROW

GLENS FALLS, N.Y. (AP) — GLENS FALLS, N.Y. (AP) — Arrow Financial Corp. (AROW) on Thursday reported first-quarter earnings of $13.5 million. The bank, based in Glens Falls, New York, said it had earnings of 82 cents per share. Earnings, adjusted for one-time gains and costs, were 85 cents per share. The bank holding company posted revenue of $62.4 million in the period. Its revenue net of interest expense was $44.8 million, exceeding Street forecasts. Arrow Financial shares have climbed 15% since the beginning of the year. The stock has climbed 44% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on AROW at https://www.zacks.com/ap/AROW

GLENS FALLS, N.Y., April 30, 2026 /PRNewswire/ -- Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow" or the "Company") announced financial results for the three-month period ended March 31, 2026. Reported net income for the first quarter of 2026 was $13.5 million and fully diluted earnings per share ("EPS") was $0.82, versus net income of $14.0 million and EPS of $0.85 for the fourth quarter of 2025. The Board of Directors of Arrow declared a quarterly cash dividend of $0.30 per share; payable May 26, 2026 to shareholders of record as of May 12, 2026. This quarter's results include approximately $790 thousand ($0.03 per share) of non-core merger expenses related to the announced acquisition of Adirondack Bancorp, Inc. based in Utica, New York. Excluding the merger expenses, Arrow achieved record operating results of $0.85 for the first quarter of 2026. Pending regulatory approvals, the transaction is expected to close early in the third quarter of 2026 and will add approximately $950 million in assets and 19 new branch locations. This Earnings Release and related commentary should be read in conjunction with the Company's April 30, 2026 Form 8-K and related First Quarter 2026 Investor Presentation, which can also be found on Arrow's website: arrowfinancial.com/documents/investor-presentations. Arrow President and CEO David S. DeMarco: "As we celebrate our 175th anniversary, building on the strong year-end momentum, the Arrow team delivered exceptional financial results for the first quarter of 2026. We achieved strong net interest margin expansion as well as a return on average assets close to 1.30% on an operating basis. Credit performance was even better with non-performing loans dipping to 13 basis points. During the first quarter, we also announced the acquisition of Adirondack Bank, which is expected to close in the third quarter of 2026. We look forward to expanding our market with this high-quality, low-cost deposit franchise, adding approximately $950 million to our balance sheet. We expect the transaction to provide significant EPS accretion in 2027 and beyond. Arrow is well positioned to continue to deliver strong results for its shareholders while continuing to execute on its strategic initiatives to build a premier banking franchise for its customers and the communities it serves." First-Quarter Highlights and Key Metrics Net Income of $13.5...

GLENS FALLS, N.Y. (AP) — GLENS FALLS, N.Y. (AP) — Arrow Financial Corp. (AROW) on Thursday reported fourth-quarter net income of $14 million. The bank, based in Glens Falls, New York, said it had earnings of 85 cents per share. The bank holding company posted revenue of $62.9 million in the period. Its revenue net of interest expense was $43.4 million, surpassing Street forecasts. For the year, the company reported profit of $44 million, or $2.65 per share. Revenue was reported as $165.6 million. Arrow Financial shares have increased slightly more than 3% since the beginning of the year. The stock has climbed 17% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on AROW at https://www.zacks.com/ap/AROW

GLENS FALLS, N.Y., Jan. 29, 2026 /PRNewswire/ -- Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow") reported net income of $14.0 million, and fully diluted earnings per share ("EPS") of $0.85 for the fourth quarter of 2025, versus $4.5 million and EPS of $0.27, for the same period in 2024. For the year ended December 31, 2025, net income totaled $44.0 million, with EPS of $2.65, versus $29.7 million, and EPS of $1.77, for the prior year. The Board of Directors of Arrow declared a quarterly cash dividend of $0.30 per share payable February 25, 2026 to shareholders of record as of February 11, 2026. This represents a 3.4% increase from the fourth quarter cash dividend, of $0.29 per share. This Earnings Release and related commentary should be read in conjunction with our Form 8-K filed January 29, 2026 and related Fourth Quarter 2025 Investor Presentation, which can be found on our website: arrowfinancial.com/documents/investor-presentations. Arrow President and CEO David S. DeMarco: "Arrow finished the year by delivering fourth quarter record operating results with record net income of $14 million or $0.85 per share. For the year, Arrow is reporting strong net interest margin expansion, reaching a record 3.19%, and tangible book value growth of over 10%. Return on average assets exceeded 1.20%. Our outstanding team was able to deliver such exceptional results and continue executing on our strategic plan after recently completing the system integration of our former two subsidiary banks transforming Arrow Bank. Our strategy has enabled us to grow EPS 50% in 2025 as we enter 2026 with significant momentum and begin celebrating our 175th anniversary, we look forward to another strong year." Fourth Quarter Highlights and Key Metrics Reported Record Net Income of $14.0 million or $0.85 EPS Record Net Interest Income of $35.1 million Record Net Interest Margin of 3.24% (3.25% FTE1) versus 3.22% (3.24% FTE) in the prior quarter Elevated average municipal deposits negatively impacted FTE NIM by 4bps Tangible Book Value2 per share of $24.71, an increase from $23.85 or 3.6% from the prior quarter Return on Average Assets of 1.24%, favorably impacted by 9bps from the successful implementation of tax strategies Net Charge-Offs remained low at 0.08% (annualized) for the quarter Select 2025 Highlights and Key Metrics Reported Net Income of $44.0 million or $2.65 EPS...

GLENS FALLS, N.Y. (AP) — GLENS FALLS, N.Y. (AP) — Arrow Financial Corp. (AROW) on Thursday reported third-quarter earnings of $12.8 million. The Glens Falls, New York-based bank said it had earnings of 77 cents per share. The bank holding company posted revenue of $62.3 million in the period. Its revenue net of interest expense was $42.8 million, surpassing Street forecasts. Arrow Financial shares have dropped nearly 8% since the beginning of the year. The stock has dropped roughly 10% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on AROW at https://www.zacks.com/ap/AROW

GLENS FALLS, N.Y., Oct. 30, 2025 /PRNewswire/ -- Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow" or "the Company") announced financial results for the three-month period ended September 30, 2025. Reported net income for the third quarter of 2025 was $12.8 million and fully diluted earnings per share ("EPS") was $0.77, versus net income of $10.8 million and EPS of $0.65 for the second quarter of 2025. The Board of Directors of Arrow declared a quarterly cash dividend of $0.29 per share; payable November 24, 2025 to shareholders of record as of November 12, 2025. This quarter's results include approximately $600 thousand ($0.03 per share) of non-core unification costs related to Arrow's system conversion and operational merger of its two banking subsidiaries, which were successfully completed in July 2025. Arrow does not expect to incur additional costs related to the unification effort. This Earnings Release and related commentary should be read in conjunction with the Company's October 30, 2025 Form 8-K and related Third Quarter 2025 Investor Presentation, which can also be found on Arrow's website: arrowfinancial.com/documents/investor-presentations. Arrow President and CEO David S. DeMarco: "I am proud to report that on the heels of our unification effort, the Arrow team delivered a great financial quarter. EPS increased by almost 20% from the prior quarter and ROA improved by 16 bps to 1.16%, despite recognizing the last remaining unification expenses. Our third quarter delivered record net interest income, solid net interest margin expansion and more than 10% annualized growth in tangible book value. With the Federal Reserve enacting a first round of interest rate cuts late in the third quarter and again in late October, Arrow is well-positioned with our near-term liability sensitive balance sheet to deliver another great quarter to end the year. We are delighted that we can use our improved financial performance to continue to support our communities while delivering strong results to our shareholders." Third-Quarter Highlights and Key Metrics Net Income of $12.8 million (EPS of $0.77) Record Net Interest Income of $34.1 million Net Interest Margin improved to 3.22% (3.24% FTE1), from 3.15% (3.16% FTE1) in the prior quarter Return on Average Assets (ROA) improved to 1.16%, an increase from 1.00% for the prior quarter Loan-to-Deposit ratio of 84....

Revenue: US$39.5m (up 16% from 2Q 2024). Net income: US$10.8m (up 26% from 2Q 2024). Profit margin: 27% (up from 25% in 2Q 2024). The increase in margin was driven by higher revenue. EPS: US$0.65 (up from US$0.52 in 2Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 16%. Looking ahead, revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 7.5% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's share price is broadly unchanged from a week ago. While it's very important to consider the profit and loss statement, you can also learn a lot about a company by looking at its balance sheet. We've done some analysis and you can see our take on Arrow Financial's balance sheet. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

GLENS FALLS, N.Y. (AP) — GLENS FALLS, N.Y. (AP) — Arrow Financial Corp. (AROW) on Thursday reported second-quarter profit of $10.8 million. The bank, based in Glens Falls, New York, said it had earnings of 65 cents per share. Earnings, adjusted for costs related to mergers and acquisitions, were 70 cents per share. The bank holding company posted revenue of $59.2 million in the period. Its revenue net of interest expense was $40.1 million, exceeding Street forecasts. Arrow Financial shares have declined nearly 6% since the beginning of the year. The stock has fallen 12% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on AROW at https://www.zacks.com/ap/AROW

GLENS FALLS, N.Y., July 24, 2025 /PRNewswire/ -- Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow" or "the Company") announced financial results for the three-month period ended June 30, 2025. Reported net income for the second quarter of 2025 was $10.8 million and fully diluted earnings per share ("EPS") was $0.65, versus net income of $6.3 million and EPS of $0.38 for the first quarter of 2025. The Board of Directors of Arrow declared a quarterly cash dividend of $0.29 per share, an increase of $0.01 or 3.6% from the prior quarter, payable August 25, 2025 to shareholders of record as of August 11, 2025. This quarter's results include approximately $1.1 million ($0.05 per share) of non-core unification costs related to Arrow's system conversion and operational merger of its two banking subsidiaries, which were successfully completed in July 2025. This Earnings Release and related commentary should be read in conjunction with the Company's July 24, 2025 Form 8-K and related Second Quarter 2025 Investor Presentation, which can also be found on Arrow's website: arrowfinancial.com/documents/investor-presentations. Arrow President and CEO David S. DeMarco: "We delivered strong second-quarter results, including return on average assets reaching 1.00%, with net interest margin and other key metrics approaching our strong historic levels. Simultaneously, we recently successfully completed our bank unification by consolidating our multi-bank systems and bank software applications into a single core banking platform, the last major milestone in our rebrand to Arrow Bank. This was an important step on our path toward improving customer experience and gaining operational efficiencies, further solidifying our position as a premier community bank under a strong, single recognizable brand. Our amazing team worked incredibly hard to make this transition as easy as possible for our customers, and I want to extend my deepest appreciation for their unwavering commitment and care. As we look ahead, Arrow is poised to advance our strategic priorities and continue to deliver value for our communities and shareholders." Second-Quarter Highlights and Key Metrics Net Income of $10.8 million (EPS of $0.65) Record Net Interest Income of $32.5 million Net Interest Margin improved to 3.15% (3.16% FTE1), up from 3.07% (3.08% FTE) in the prior quarter Return on Average Assets (ROA)...

Revenue: US$34.2m (up 1.4% from 1Q 2024). Net income: US$6.31m (down 18% from 1Q 2024). Profit margin: 19% (down from 23% in 1Q 2024). The decrease in margin was driven by higher expenses. EPS: US$0.38 (down from US$0.45 in 1Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 11%. Looking ahead, revenue is forecast to grow 14% p.a. on average during the next 2 years, compared to a 7.1% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's shares are up 4.0% from a week ago. Just as investors must consider earnings, it is also important to take into account the strength of a company's balance sheet. We have a graphic representation of Arrow Financial's balance sheet and an in-depth analysis of the company's financial position. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

GLENS FALLS, N.Y., May 1, 2025 /PRNewswire/ -- Arrow Financial Corporation (NasdaqGS® – AROW) ("Arrow" or "the Company") announced financial results for the three-month period ended March 31, 2025. Reported net income for the first quarter of 2025 was $6.3 million and fully diluted earnings per share ("EPS") was $0.38, versus $4.5 million and EPS of $0.27 for the fourth quarter of 2024. The Board of Directors of Arrow declared a quarterly cash dividend of $0.28 per share payable May 23, 2025 to shareholders of record as of May 13, 2025. The quarter was adversely impacted by the recognition of a specific reserve of $3.75 million ($0.17 per share) related to a $15 million commercial real estate loan participation secured by properties in two office parks in upstate New York, where Arrow is a 22% participant in a $67 million multi-bank lending facility as previously reported in a Form 8-K filed April 16, 2025. This quarter's results also reflect approximately $0.6 million ($0.03 per share) of non-core unification costs related to Arrow's planned July 2025 system conversion and operational merger of its two banking subsidiaries. This Earnings Release and related commentary should be read in conjunction with the Company's May 1, 2025 Form 8-K and related First Quarter 2025 Investor Presentation, which can also be found on Arrow's website: arrowfinancial.com/documents/investor-presentations. Arrow President and CEO David S. DeMarco: "We delivered another quarter of strong margin expansion along with continued loan growth, further improving core profitability during these volatile economic times. We continue to execute on our strategic initiatives for continued growth, including expanding our Corporate Banking Team in the Capital Region of New York state. Our overall credit quality remains extremely strong, despite the recent development in one of our larger commercial credit exposures. We believe this to be an isolated incident as all credit metrics outside of this particular exposure are trending favorably. Furthermore, we are moving closer to finalizing our bank unification efforts to better serve our growing market and drive stronger operating performance under one brand." First-Quarter Highlights and Key Metrics Net Income of $6.3 million (EPS of $0.38) Record Net Interest Income of $31.4 million Net Interest Margin improved to 3.07% (3.08% FTE1), up from 2.83...

GLENS FALLS, N.Y. (AP) — GLENS FALLS, N.Y. (AP) — Arrow Financial Corp. (AROW) on Thursday reported first-quarter earnings of $6.3 million. The Glens Falls, New York-based bank said it had earnings of 38 cents per share. The bank holding company posted revenue of $58.2 million in the period. Its revenue net of interest expense was $39.2 million, which missed Street forecasts. Arrow Financial shares have dropped 15% since the beginning of the year. The stock has climbed 10% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on AROW at https://www.zacks.com/ap/AROW