---
schema_version: "secwatch.filing_event.v1"
accession: "0000717538-25-000093"
form_type: "8-K"
ticker: "AROW"
cik: "0000717538"
company_name: "ARROW FINANCIAL CORP"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:28:40.054909+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000717538-25-000093
- form_type: 8-K
- ticker: AROW
- cik: 0000717538
- company_name: ARROW FINANCIAL CORP
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/717538/000071753825000093/0000717538-25-000093-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/717538/000071753825000093/arow-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-25-000093
- JSON: https://secwatch.observer/filing/0000717538-25-000093.json
- Plain text: https://secwatch.observer/filing/0000717538-25-000093.txt

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