secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0000717538-25-000004
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000004/0000717538-25-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000004/arow-20250129.htm
  HTML page:      https://secwatch.observer/filing/0000717538-25-000004

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