)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Arrow Financial (AROW) investor relations material
Arrow Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $12.8 million ($0.77 EPS), up 18.7% sequentially and 42.9% year-over-year, driven by higher net interest and non-interest income, and lower non-interest expense.
Return on average assets (ROA) was 1.16% and return on average equity (ROE) was 12.32% for Q3 2025.
Tangible book value per share increased 2.7% sequentially to $23.85, up 6.47% year-to-date.
Successfully completed the operational merger and system conversion of two bank subsidiaries in July 2025, incurring $600,000 in non-core unification costs.
Quarterly cash dividend of $0.29 per share declared, marking 48 consecutive quarters of dividends.
Financial highlights
Net interest margin (NIM) expanded to 3.24% (FTE) in Q3 2025, up from 3.16% in Q2 2025 and 2.78% in Q3 2024.
Net interest income reached a record $34.1 million, up 4.9% sequentially and 20% year-over-year.
Non-interest income rose to $8.7 million in Q3 2025, up from $7.6 million in Q2 2025 and 7.2% year-over-year.
Efficiency ratio improved to 59.56% in Q3 2025 from 63.41% in Q2 2025 and 65.59% in Q3 2024.
Total assets reached $4.6 billion at September 30, 2025, with loans at $3.44 billion and deposits at $4.1 billion.
Outlook and guidance
Management expects continued strong asset quality, liquidity, and capital, with a focus on expense control and further NIM expansion following recent Federal Reserve rate cuts.
Liability-sensitive balance sheet positions the company to benefit from both rising and falling interest rates.
Post-unification cost savings anticipated to benefit future operating expenses.
TCE ratio temporarily impacted by seasonal municipal deposit growth, expected to reverse in Q4 2025.
Expected future unification costs?
Deposits subject to repricing with Fed cuts?
Explain Q3 net charge-off decrease
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Arrow Financial earnings date
Q4 202530 Jan, 2026
Next Arrow Financial earnings date
Q4 202530 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
rrow Financial Corporation is a bank holding company based in Glens Falls, New York. It operates through its subsidiaries, providing a wide array of banking and insurance services across northeastern New York. The company's offerings include online and mobile banking, wealth management, as well as money market and deposit accounts. Furthermore, Arrow Financial Corporation extends its services to include mortgage, consumer, and commercial loans. The company is headquartered in Glens Falls, New York, and its shares are listed on the Nasdaq.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage