---
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"
generated_at: "2026-05-27T06:02:19.130663+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-25-000004
- JSON: https://secwatch.observer/filing/0000717538-25-000004.json
- Plain text: https://secwatch.observer/filing/0000717538-25-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.