{"filings":[{"id":778922,"accession_number":"0000717538-26-000070","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2026-06-01T20:30:36+00:00","items":["8.01","9.01"],"status":"ready","headline":"Arrow Financial receives OCC approval for Adirondack Bancorp merger; close expected July 1, 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["OCC approved the merger of Arrow and Adirondack Bancorp; closing on or around July 1, 2026.","Closing subject to Adirondack shareholder vote, NY DFS and Fed approvals, and other conditions.","Combined company projected to have ~$5.4B in assets, $4.8B deposits, and $4.1B in gross loans.","Merger extends Arrow's footprint into Oneida, Herkimer, and Franklin counties.","Systems integration expected in Q4 2026; combined operations under Arrow brand."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98459,"accession_number":"0000717538-26-000050","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Financial Q1 adjusted EPS $0.85, NIM expands to 3.47%, declares $0.30 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $13.5M ($0.82 EPS); adjusted EPS $0.85 excluding $790K merger costs.","Net interest margin improved to 3.47% (3.48% FTE) from 3.24% in Q4 2025.","Non-performing loans fell to 0.13% of total loans; annualized charge-offs 0.10%.","Quarterly dividend of $0.30 per share declared, payable May 26, 2026.","Adirondack Bancorp acquisition ($950M assets, 19 branches) expected to close early Q3 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.82,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113941,"accession_number":"0000717538-26-000030","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2026-02-26T23:59:59+00:00","items":["1.01","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Financial to acquire Adirondack Bancorp; consideration 1.8610 shares + $18.72 cash per share","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger consideration: 1.8610 Arrow shares plus $18.72 cash per Adirondack share; intended as tax-free reorganization.","Adirondack CEO Rocco Arcuri will join Arrow and Arrow Bank boards and serve as Regional President after closing.","Deal requires Adirondack shareholder vote, regulatory approvals from Fed, OCC, NYDFS, and other customary conditions.","Termination fee of $3.62M payable by Adirondack under certain circumstances; voting and lock-up agreements in place.","Expected to close in 2026; Arrow will file S-4 proxy/prospectus with SEC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113940,"accession_number":"0000717538-26-000007","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","5.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Q4 net income $14.0M ($0.85 EPS) vs $4.5M ($0.27) a year ago; dividend raised 3.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $14.0M ($0.85 EPS) in Q4 2025 vs $4.5M ($0.27) in Q4 2024; full year $44.0M ($2.65 eps) vs $29.7M ($1.77).","Record net interest margin 3.24% (3.25% FTE); net interest income $35.1M for Q4.","Tangible book value per share $24.71, up 10.3% YoY; ROAA 1.24% for Q4.","Quarterly dividend raised 3.4% to $0.30 per share, payable Feb 25, 2026; record Feb 11.","Director Elizabeth A. Miller to retire after 2026 annual meeting, ending 9 years on board."],"consensus_eps_estimate":null,"consensus_eps_actual":2.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130343,"accession_number":"0000717538-25-000105","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-11-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Arrow Financial appoints Darrin Jahnel as director effective Nov 25, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Darrin Jahnel is founder/CEO of Jahnel Group, a 150-person software consulting firm in Schenectady, NY.","He has over 25 years building/scaling tech companies; also founded InfoLink and acquired LTI (40-person firm).","He will not join any Board committee initially; no related party transactions with Arrow.","His compensation follows Arrow's standard director compensation policy (see Apr 24, 2025 proxy)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130342,"accession_number":"0000717538-25-000100","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Arrow Financial reaches preliminary settlement of shareholder derivative suit; no material financial impact","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Court preliminarily approved settlement on Oct 22, 2025; final hearing set for Jan 12, 2026.","Suit alleged breach of fiduciary duties over defective internal controls and delayed SEC filings.","Settlement requires adoption of corporate governance reforms; no monetary payment to company.","Company states settlement has no material impact on results of operations or financial position.","Plaintiff's counsel may seek up to $5,000 service award and legal fees from the company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130341,"accession_number":"0000717538-25-000093","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Q3 net income $12.8M ($0.77 EPS), record NII $34.1M, dividend $0.29","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $12.8M, EPS $0.77, up from $10.8M ($0.65) in Q2; ROA improved to 1.16%.","Record net interest income of $34.1M; NIM expanded to 3.22% (3.24% FTE) from 3.15%.","Tangible book value per share rose 2.7% to $23.85; $1.4M shares repurchased in Q3.","Quarterly dividend declared $0.29 per share, payable Nov 24 to holders of record Nov 12.","Unification costs of $600K ($0.03 EPS) fully incurred in July; no further costs expected."],"consensus_eps_estimate":null,"consensus_eps_actual":1.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146903,"accession_number":"0000717538-25-000076","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Q2 net income $10.8M ($0.65 EPS), dividend raised to $0.29, $5M buyback authorized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $10.8M, EPS $0.65 vs. Q1 $6.3M ($0.38); record net interest income $32.5M.","Net interest margin (FTE) 3.16%, up from 3.08%; ROA 1.00% (1.08% excl. unification costs).","Quarterly dividend increased to $0.29/share (+3.6%), payable Aug 25; additional $5M buyback authorized.","Nonperforming assets improved to 0.16% of assets; net charge-offs 0.49% annualized on charge-off of reserved loan.","Completed bank unification in July 2025; $1.1M in non-core unification costs this quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":1.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146902,"accession_number":"0000717538-25-000073","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-07-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Arrow Financial signs six-month consulting deal with former CCO Kaiser at $2,500/month","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Former SEVP & CCO David D. Kaiser retired June 30, 2025; entered six-month consulting agreement effective July 1, 2025.","Compensation: $2,500/month ($15,000 total) plus approved out-of-pocket expenses.","Term: July 1–Dec 31, 2025; either party may terminate with 30 days' notice without liability.","Services: oversee projects as directed by CEO; Kaiser is independent contractor, not employee.","Includes confidentiality, noncompete (NY depository institutions ≥$100M assets), and nonsolicitation covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165387,"accession_number":"0000717538-25-000069","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-06-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Arrow Financial holds virtual investor meetings; no specific financial data disclosed in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Arrow Financial participated in virtual investor meetings on June 17-18, 2025, with a Mid-2Q Update presentation.","The presentation was furnished as Exhibit 99.1, but only the title slide text is included in the filing.","No earnings figures, guidance changes, or material developments are provided in the 8-K or the exhibit excerpt.","The filing notes the Mid-2Q Update supplements the Q1 2025 Investor Presentation from May 1, 2025.","Confidence in summarizing results is low because the substantive presentation content was not included."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165386,"accession_number":"0000717538-25-000064","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Arrow Financial shareholders elect directors, approve exec compensation, ratify auditor at 2025 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected four Class C directors (Casaccio, Dawsey, Morris, Read) for 3-year terms, plus Class A White and Class B Duffy.","Advisory vote on 2024 executive compensation approved: 8,866,974 For vs. 679,350 Against.","Ratified Crowe LLP as auditor for FY 2025: 12,399,085 For, 396,130 Against, 51,223 Abstain.","77.06% of outstanding shares represented at meeting (12,846,438 of 16,670,684 shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165385,"accession_number":"0000717538-25-000061","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Arrow Financial holds annual meeting; no specific financial updates disclosed in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Company made annual meeting presentation available to shareholders on June 4, 2025.","Presentation agenda includes Arrow Overview, Business Meeting, Financials, and Positioned for Growth.","No specific financial figures, guidance, or operational data provided in the filed exhibit text.","Filing is a routine Regulation FD disclosure with no material new information.","Confidence low due to lack of quantitative or substantive details in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165384,"accession_number":"0000717538-25-000045","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Financial Q1 net income $6.3M ($0.38 EPS); NIM expands to 3.07% on record NII","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $6.3M vs $4.5M in Q4 2024; includes $3.75M specific reserve on a $15M CRE loan.","Net interest income record $31.4M; net interest margin (FTE) up to 3.08% from 2.85% prior quarter.","Deposits $4.0B (+$140M QoQ); loan growth $22M (2.5% annualized); regulatory capital ratios well above well-capitalized thresholds.","Tangible book value $22.72; repurchased 128,047 shares for $3.4M; Board added $5M to buyback authority (total $6.6M).","Quarterly dividend $0.28/share declared payable May 23 to holders of record May 13; bank unification on track for July 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165383,"accession_number":"0000717538-25-000034","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Arrow Financial records $3.75M reserve on $15M CRE loan in foreclosure","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Recorded $3.75M specific reserve on a $15M commercial real estate loan secured by two Upstate NY office parks.","Loan had zero reserve based on Jan 2024 appraisal of $86.1M; new appraisal shows $50M valuation.","Borrower in payment default; bank group commenced foreclosure as of March 31, 2025.","Arrow is 22% participant in a $67M multi-bank deal; estimated remaining exposure ~$10.64M after reserve.","Event will adversely impact Arrow's Q1 2025 financial performance; more details in upcoming earnings release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165382,"accession_number":"0000717538-25-000031","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-04-14T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Arrow Financial Chief Credit Officer David D. Kaiser to retire June 30, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David D. Kaiser, Chief Credit Officer, will retire effective June 30, 2025, relinquishing all positions at Arrow and subsidiaries.","Kaiser served Arrow for over 24 years and built its credit culture; responsibilities will be reassigned across existing executives.","Reassignment plan: credit and lending duties distributed among long-time executives each with over 25 years of experience.","No successor named; company expresses gratitude for Kaiser's service."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183043,"accession_number":"0000717538-25-000027","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Arrow Financial presents mid-Q1 2025 update; no specific figures in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Participated in Investor Day in Chicago on March 20, 2025, with a mid-quarter Q1 2025 update.","Update furnished as Exhibit 99.1; the exhibit text in this filing is incomplete, lacking financial details.","Previous Q4 2024 investor presentation (filed Jan 30, 2025) was also referenced for context.","No new guidance, earnings, or material financial metrics are disclosed in the available text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183042,"accession_number":"0000717538-25-000010","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-02-10T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Arrow Financial CEO gets new 3-year agreement; director Dake to retire after 23 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Gary L. Dake to retire at 2025 Annual Meeting after 23 years on the board.","CEO David S. DeMarco new employment agreement effective Feb 1, 2025: base salary $718,850, cash incentive target 50% of base, 3-year term with annual auto-renewal.","New two-year agreements for CFO Ivanov ($422,300 base) and three other executives (Kaiser, Wise, Yrsha; $375,950 each) with 40% incentive targets.","All agreements include standard change of control, non-compete, and confidentiality provisions; replace prior 2024 versions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183041,"accession_number":"0000717538-25-000004","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Arrow Financial Q4 net income $4.5M ($0.27 EPS) down from $7.7M; core EPS $0.47; raises dividend 3.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $4.5M ($0.27 diluted EPS) vs $7.7M ($0.46) in Q4 2023; full-year net income $29.7M ($1.77) vs $30.1M ($1.77).","Non-core items totaled $4.2M pre-tax in Q4, including $3.0M loss on securities portfolio repositioning and $0.7M branding write-off.","Core net income for Q4 was $7.8M ($0.47 EPS); full-year core net income $34.4M ($2.05 EPS).","Net interest margin expanded to 2.83% (2.85% FTE) in Q4 from 2.53% a year ago; loan growth $185M (5.8%) for 2024.","Board raised quarterly dividend 3.7% to $0.28 per share, payable Feb 24, 2025 to holders of record Feb 10, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":1.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":609424983.5546354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199625,"accession_number":"0000717538-24-000119","cik":717538,"company_name":"ARROW FINANCIAL CORP","ticker":"AROW","form_type":"8-K","filed_at":"2024-12-26T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Arrow completes $75M portfolio repositioning; 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