{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-26-000007","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.537986+00:00","generated_at":"2026-05-16T06:42:15.251002+00:00","sec_items":["2.02","5.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arrow Q4 net income $14.0M ($0.85 EPS) vs $4.5M ($0.27) a year ago; dividend raised 3.4%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-26-000007","json":"https://secwatch.observer/filing/0000717538-26-000007.json","markdown":"https://secwatch.observer/filing/0000717538-26-000007.md","text":"https://secwatch.observer/filing/0000717538-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000007/0000717538-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000007/arow-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:42:15.251002+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}