Arrow Financial Q4 net income $4.5M ($0.27 EPS) down from $7.7M; core EPS $0.47; raises dividend 3.7%

ARROW FINANCIAL CORP

2024-FY EPS reported $1.77

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.

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