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Arrow Financial AROW Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$43.4MBeat by $111.0K
EPS$0.85Beat by $0.05
Revenue estimate$43.3M
EPS estimate$0.80

Next report

Oct 29, 2026 (in 3 months)
Revenue estimate$57.5M
EPS estimate$0.94

Financials

Q4 2025

Income statement

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Net income$14.0M+213%
EPS (diluted)$0.85+215%

Balance sheet

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Total debt$13.6M-26.4%
Total equity$431.9M+7.7%
Total assets$4.4B+3.2%

Cash flow

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Operating cash flow$5.9M+5.0%
CapEx$1.1M-29.0%
Free cash flow$4.8M+17.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$516.29M+7.4%
Enterprise value$529.88M+6.2%
P/E11.7×-4.4×

Returns & leverage

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Return on equity10.6%+2.9pp
Debt / equity0×0.0×

Segments

By product

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Fees for Other Services to Customers$2.9M+3.3%
Income From Fiduciary Activities$2.8M+6.0%

FAQ

When did Arrow Financial report Q4 2025 earnings?
Arrow Financial (AROW) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Arrow Financial's Q4 2025 revenue and EPS?
Arrow Financial reported revenue of $43.4M and eps of $0.85 for Q4 2025.
Did Arrow Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $43.3M by $111.0K. EPS beat the consensus estimate of $0.80 by $0.05.
How did Arrow Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 21.3% from $55.1M a year earlier and eps grew 218.4% from $0.27.
Where can I find Arrow Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000717538-26-000007) and the 10-K periodic report (0000717538-26-000037) directly on SEC EDGAR. The filing index links above go to sec.gov.