Arrow Q3 net income $12.8M ($0.77 EPS), record NII $34.1M, dividend $0.29

ARROW FINANCIAL CORP

2025-Q3 EPS reported $1.80

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.

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