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Dec 31, 2025
Arrow Financial Q4 2025 Earnings Report
Arrow Financial reported record fourth-quarter results with higher profitability and margin expansion.
Key Takeaways
Arrow Financial delivered record Q4 earnings driven by strong net interest income, expanding margins, and solid asset quality, resulting in significantly higher profitability versus the prior year.
Record Q4 net income and EPS performance
Net interest margin reached a quarterly record
Asset quality remained strong with very low charge-offs
Tangible book value per share increased sequentially
Forward Guidance
Management expects continued positive momentum entering 2026, supported by strong capital levels, disciplined pricing, and stable credit quality, while remaining cautious about macroeconomic uncertainty.
Positive Outlook
- Capital ratios remain well above regulatory requirements
- Sustained strength in net interest margins
- Very low levels of nonperforming assets
- Stable core deposit base
- Consistent expense discipline
Challenges Ahead
- Potential interest rate volatility
- Risk of economic slowdown
- Competitive pressure on deposit pricing
- Normalization risk in credit costs
- Regulatory and macroeconomic uncertainty
Historical Earnings Impact
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Avg. Return Before/After Earnings
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