Arrow Financial Corporation (AROW)
NASDAQ: AROW · Real-Time Price · USD
38.82
+1.43 (3.82%)
At close: Sep 2, 2026, 4:00 PM EDT
39.13
+0.31 (0.80%)
After-hours: Sep 2, 2026, 7:30 PM EDT
Arrow Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 188.23 | 184.07 | 171.34 | 142.02 | 112.98 | 104.99 |
Interest Income on Investments | 27.39 | 26.08 | 23.65 | 20.55 | 16.67 | 10.57 |
Total Interest Income | 215.62 | 210.15 | 194.99 | 162.56 | 129.65 | 115.55 |
Interest Paid on Deposits | 72.39 | 75.95 | 78.75 | 50.1 | 9.83 | 3.53 |
Interest Paid on Borrowings | 1.89 | 1.04 | 4.51 | 7.63 | 1.48 | 1.67 |
Total Interest Expense | 74.28 | 76.98 | 83.26 | 57.73 | 11.31 | 5.2 |
Net Interest Income | 141.34 | 133.16 | 111.73 | 104.83 | 118.34 | 110.36 |
Net Interest Income Growth | 15.83% | 19.18% | 6.58% | -11.42% | 7.24% | 11.24% |
Trust Income | 10.79 | 10.3 | 9.95 | 9.44 | 9.71 | 10.14 |
Gain (Loss) on Sale of Investments | 0.57 | 0.54 | -2.91 | -0.09 | 0.43 | 0.11 |
Other Non-Interest Income | 21.56 | 20.77 | 20.82 | 19.73 | 20.68 | 19.72 |
Total Non-Interest Income | 33.87 | 32.43 | 28.07 | 29.12 | 30.9 | 32.37 |
Non-Interest Income Growth | 21.79% | 15.52% | -3.58% | -5.76% | -4.54% | -0.89% |
Revenues Before Loan Losses | 175.2 | 165.6 | 139.81 | 133.95 | 149.24 | 142.72 |
Provision for Loan Losses | 5.04 | 7.27 | 5.18 | 3.38 | 4.8 | 0.27 |
| 170.17 | 158.32 | 134.63 | 130.57 | 144.44 | 142.45 | |
Revenue Growth | 21.18% | 17.60% | 3.11% | -9.61% | 1.40% | 16.25% |
Salaries and Employee Benefits | 56.01 | 53.75 | 50.05 | 45.3 | 44.69 | 42.52 |
Occupancy Expenses | 8.35 | 7.76 | 7.17 | 6.55 | 6.2 | 5.81 |
Federal Deposit Insurance | 2.22 | 2.52 | 2.78 | 2.05 | 1.18 | 1.04 |
Selling, General & Administrative | 24.38 | 25.13 | 23.28 | 21.14 | 19.63 | 18.23 |
Other Non-Interest Expense | 14.61 | 13.78 | 14 | 18 | 9.84 | 8.97 |
Total Non-Interest Expense | 105.57 | 102.93 | 97.27 | 93.05 | 81.53 | 76.57 |
EBT Excluding Unusual Items | 64.6 | 55.39 | 37.36 | 37.52 | 62.91 | 65.88 |
Legal Settlements | - | - | - | - | - | -1.48 |
Pretax Income | 64.6 | 55.39 | 37.36 | 37.52 | 62.91 | 64.4 |
Income Tax Expense | 13.32 | 11.44 | 7.65 | 7.45 | 14.11 | 14.55 |
Net Income | 51.29 | 43.95 | 29.71 | 30.08 | 48.8 | 49.86 |
Preferred Dividends & Other Adjustments | 0.14 | 0.14 | - | - | - | - |
Net Income to Common | 51.14 | 43.81 | 29.71 | 30.08 | 48.8 | 49.86 |
Net Income Growth | 67.35% | 47.47% | -1.22% | -38.37% | -2.12% | 22.12% |
Basic Shares Outstanding | 16 | 17 | 17 | 17 | 17 | 17 |
Diluted Shares Outstanding | 16 | 17 | 17 | 17 | 17 | 17 |
Shares Change | -1.48% | -1.43% | -1.71% | -0.13% | 0.04% | 0.81% |
EPS (Basic) | 3.12 | 2.65 | 1.77 | 1.77 | 2.87 | 2.93 |
EPS (Diluted) | 3.10 | 2.65 | 1.77 | 1.77 | 2.86 | 2.92 |
EPS Growth | 69.73% | 49.72% | 0.27% | -38.28% | -2.05% | 20.86% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 1.180 | 1.140 | 1.090 | 1.060 | 1.030 | 0.960 |
Dividend Growth | 6.31% | 4.59% | 2.83% | 2.91% | 7.29% | 3.00% |
Effective Tax Rate | 20.61% | 20.64% | 20.47% | 19.84% | 22.43% | 22.59% |