NASDAQ$AROW

Arrow Financial Corporation · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Arrow Financial reported a net income of $13.0 million for Q3 2021 and surpassed $4 billion in total assets.

Arrow Financial Corporation announced strong operating results for the third quarter of 2021, with net income reaching $13.0 million and diluted earnings per share at $0.81. The company's profitability ratios remained robust, with a return on average assets of 1.32% and a return on average equity of 14.34%. Total assets exceeded $4 billion, marking a new record for the company.

  • Net income for the third quarter was $13.0 million, with diluted EPS at $0.81.
  • Return on average assets (ROA) was 1.32%, and return on average equity (ROE) was 14.34% for the third quarter.
  • Third-quarter revenue increased by $2.7 million, or 8.1%, compared to the same quarter last year.
  • Over $56 million of Small Business Administration Paycheck Protection Program (PPP) loans were forgiven during the third quarter of 2021.

Headline financials

Total Revenue

$36.3M

Previous: $33.6M+8.1%
EPS (adj)

$0.77

Previous: $0.67+14.9%
Net Interest Margin

3.0%

Previous: 2.9%+4.8%
Return on Avg Assets

1.3%

Previous: 1.2%+7.3%
Return on Avg Equity

14.3%

Previous: 13.6%+5.8%
CET1 Capital Ratio

13.7%

No prior period
Total Risk-Based Capital Ratio

15.7%

No prior period
Capital Expenditures

-$3.94M

Previous: -$3.64M-8.3%
Free Cash Flow

$9.05M

Previous: $7.41M+22.1%
Net Income

$13M

Previous: $11M+17.6%
Operating Income

$28.1M

Previous: $23.9M+17.3%
Gross Profit

$36.2M

Previous: $31.3M+15.7%
Cash & Equivalents

$598M

Previous: $451M+32.8%
Total Assets

$4.07B

Previous: $3.78B+7.8%
Stock-Based Comp

$103K

Previous: $106K-2.8%

Revenue & EPS history

Arrow Financial · Revenue · Quarterly

$36.3M

Q3 2021+8.1%vs Q3 2020
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

Arrow Financial Corporation did not provide specific forward guidance in the Q3 2021 earnings report. The focus was primarily on reporting the results of the past quarter and highlighting strategic initiatives.

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 Q3 2021

Historical avgQ3 2021

+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%

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