secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0000717538-26-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 5.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753826000007/0000717538-26-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753826000007/arow-20260128.htm
  HTML page:      https://secwatch.observer/filing/0000717538-26-000007

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer