NASDAQ$AROW

Arrow Financial Corporation · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Arrow Financial reported Q1 2025 net income of $6.3M, net income of $6.3M.

For Q1 2025, Arrow Financial reported net income was $6.3M. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Net income $6.3M.
  • MD&A highlights operating priorities, capital, and sector risks.
  • MD&A highlights operating priorities, capital, and sector risks.

Headline financials

Total Revenue

$50.4M

Previous: $34.3M+46.8%
EPS (adj)

$0.38

Previous: $0.45-15.6%
Net Interest Margin

3.1%

Previous: 2.6%+18.1%
Return on Avg Assets

0.6%

Previous: 0.7%-19.2%
Return on Avg Equity

6.3%

Previous: 8.1%-22.0%
Tangible Book Value

$22.72

Previous: $21.25+6.9%
Efficiency Ratio

66.5%

Previous: 69.5%-4.3%
Tier 1 Leverage Ratio

9.6%

Previous: 9.6%-0.2%
CET1 Capital Ratio

12.6%

Previous: 12.8%-1.9%
Tier 1 Risk-Based Capital Ratio

13.2%

Previous: 13.5%-2.0%
Total Risk-Based Capital Ratio

14.5%

Previous: 14.6%-0.6%
Net Charge-Offs Ratio

0.1%

Previous: 0.1%+66.7%
Capital Expenditures

-$1.27M

Previous: -$1.16M-10.3%
Net Income

$6.31M

Previous: $7.66M-17.6%
Operating Income

$8.13M

Previous: $19.7M-58.7%

Revenue & EPS history

Arrow Financial · Revenue · Quarterly

$50.4M

Q1 2025+46.8%vs Q1 2024
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

Financial outlook depends on net interest income, credit quality, and investment marks.

Tailwinds

  • Net interest income or fee income supports returns.
  • Portfolio diversification.

Headwinds

  • Rate moves and credit nonaccruals.
  • Regulatory and refinancing risk.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.8%

Avg return

Earnings day

+2.2%

Avg return

5 days after

+2.6%

Avg return

30 days after

56%

37 / 66 earnings

Positive

+11.8%

Q3 2023

Best reaction

-5.7%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.9%+2.8%+1.7%
Q4 2025+1.9%+9.3%+2.7%
Q3 2025+3.0%+14.3%+14.0%
Q2 2025-1.4%-3.5%+0.2%
Q1 2025-0.2%+0.4%-1.0%
Q4 2024-2.1%-2.6%-2.2%
Q3 2024-1.8%+0.2%+12.4%
Q2 2024+3.7%+2.5%-1.5%
Q1 2024+2.1%+3.8%+10.4%
Q4 2023-4.0%-5.3%-4.9%
Q3 2023+11.8%+16.9%+36.1%
Q2 2023-5.0%-5.3%-14.2%
Q1 2023-5.7%-4.8%-19.6%
Q4 2022+0.2%-1.4%-8.5%
Q3 2022+10.9%+11.6%+14.6%
Q2 2022+0.9%+1.8%-0.2%
Q1 2022-0.5%+0.1%+4.9%
Q4 2021-2.4%-1.7%-2.3%
Q3 2021-1.9%-0.3%+2.5%
Q2 2021+0.2%+0.1%-1.1%
Q1 2021+4.0%+3.3%+6.6%
Q4 2020-0.5%+0.4%+7.8%
Q3 2020+6.0%+4.0%+10.5%
Q2 2020+2.1%+2.0%+1.1%
Q1 2020+9.1%+16.8%+5.4%
Q4 2019-1.8%-2.4%-9.9%
Q3 2019+1.2%+1.6%+6.6%
Q2 2019-2.0%+0.1%-2.6%
Q1 2019-0.6%+1.8%-0.3%
Q4 2018-0.6%+2.2%+11.1%
Q3 2018+0.1%-0.8%-0.7%
Q2 2018+1.4%+2.6%+3.4%
Q1 2018+4.2%+3.0%+8.3%
Q4 2017-2.4%-1.2%-3.4%
Q3 2017-0.7%+5.3%+1.1%
Q2 2017+2.5%+4.0%+1.6%
Q1 2017-0.4%+4.6%-4.2%
Q4 2016-0.5%+1.9%-1.9%
Q3 2016-1.8%-0.4%+19.2%
Q2 2016-0.3%+2.1%+1.4%
Q1 2016+3.3%
Q4 2015+0.8%
Q3 2015-2.1%
Q2 2015+3.1%
Q1 2015-0.8%
Q4 2014+2.0%
Q3 2014+0.8%
Q2 2014+0.5%
Q1 2014-0.1%
Q4 2013+2.7%
Q3 2013+0.9%
Q2 2013+0.4%
Q1 2013-0.3%
Q4 2012-0.3%
Q3 2012-0.8%
Q2 2012+0.1%
Q1 2011+0.4%
Q1 2012+0.4%
Q4 2009-2.6%
Q4 2011-2.6%
Q3 2010+3.2%
Q3 2011+3.2%
Q4 2010+2.5%
Q2 2010+2.5%
Q2 2011+2.5%
Q1 2010+4.7%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro