AROW Q4 2025 Earnings — Arrow Financial Corporation Revenue & Financial Results | Market Cap Arena

AROWArrow Financial Corporation

$546M

Q4 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$63M+14.1% YoY

Gross Profit

$43M67.7% margin

Operating Income

$17M26.7% margin

Net Income

$14M22.3% margin

EPS (Diluted)

$0.85

QoQ Revenue Growth

+0.9%

Cash Flow

Operating Cash Flow

$26M

Free Cash Flow

$22M

Stock-Based Comp.

$519,000

Balance Sheet

Total Assets

$4.4B

Total Liabilities

$4.0B

Stockholders' Equity

$432M

Cash & Equivalents

$29M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$63M	$55M	+14.1%
Gross Profit	$43M	$31M	+37.0%
Operating Income	$17M	$5M	+221.0%
Net Income	$14M	$4M	+213.5%

Revenue Segments

Deposit Account

$3M51%

Fiduciary and Trust

$3M49%