{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-25-000004","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.165912+00:00","generated_at":"2026-05-27T06:02:19.130663+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arrow Financial Q4 net income $4.5M ($0.27 EPS) down from $7.7M; core EPS $0.47; raises dividend 3.7%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-25-000004","json":"https://secwatch.observer/filing/0000717538-25-000004.json","markdown":"https://secwatch.observer/filing/0000717538-25-000004.md","text":"https://secwatch.observer/filing/0000717538-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000004/0000717538-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000004/arow-20250129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:02:19.130663+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}