Arrow Q4 net income $14.0M ($0.85 EPS) vs $4.5M ($0.27) a year ago; dividend raised 3.4%

ARROW FINANCIAL CORP

2025-FY EPS reported $2.65

Net income $14.0M ($0.85 EPS) in Q4 2025 vs $4.5M ($0.27) in Q4 2024; full year $44.0M ($2.65 eps) vs $29.7M ($1.77).
Record net interest margin 3.24% (3.25% FTE); net interest income $35.1M for Q4.
Tangible book value per share $24.71, up 10.3% YoY; ROAA 1.24% for Q4.
Quarterly dividend raised 3.4% to $0.30 per share, payable Feb 25, 2026; record Feb 11.
Director Elizabeth A. Miller to retire after 2026 annual meeting, ending 9 years on board.

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