---
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"
generated_at: "2026-05-16T06:42:15.251002+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 5.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-26-000007
- JSON: https://secwatch.observer/filing/0000717538-26-000007.json
- Plain text: https://secwatch.observer/filing/0000717538-26-000007.txt

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