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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
Arrow Financial
Arrow Financial (AROW) investor relations material
Arrow Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record net income of $14.0M ($0.85 EPS) in 4Q25 and $44.0M ($2.65 EPS) for FY2025, driven by NIM expansion and loan growth.
Tangible book value per share rose 10.3% year-over-year to $24.71.
Board declared a 1Q26 dividend of $0.30/share, a 3.4% increase from the prior quarter, marking 49 consecutive quarters of dividends.
Completed unification and system integration of two subsidiary banks in 2025, supporting strategic growth.
Ended 2025 with strong credit metrics and well-positioned for 2026.
Financial highlights
4Q25 EPS: $0.85; FY2025 EPS: $2.65.
4Q25 net income: $14.0M; FY2025 net income: $44.0M, up from $29.7M in 2024.
4Q25 FTE NIM: 3.25%; FY2025 FTE NIM: 3.19%, up from 2.74% in 2024.
Tangible book value per share: $24.71.
Net charge-offs: 0.19% for FY2025; NPLs at $8.5M (0.24% of total loans); nonperforming assets at 0.20% of year-end assets.
Outlook and guidance
NIM expansion expected to continue in 2026, especially if FRB rate cuts occur.
Entering 2026 with significant momentum and a focus on continued EPS growth and strategic execution.
Favorable deposit mix trends and ongoing pricing discipline expected to support margins.
Q4 NIM expansion drivers despite lower asset yield
Outlook for credit quality given mixed trends
Are Q4 tax strategies repeatable for ROAA benefit?
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Latest events from Arrow Financial
- Strong 2024 performance, governance enhancements, and key votes on directors, pay, and auditor.AROW
Proxy Filing2 Dec 2025 - Director elections, say-on-pay, and auditor ratification headline the 2025 annual meeting.AROWProxy Filing2 Dec 2025
- Q3 2025 net income up 42.9% year-over-year to $12.8M, with NIM at 3.24% and strong capital metrics.AROWQ3 20256 Nov 2025
- Q2 2025 net income rose to $10.8M, with record net interest income and improved efficiency.AROWQ2 20258 Aug 2025
- Net income up 15.9% to $9.0M, with strong loan growth, margin, and capital ratios.AROWQ3 202413 Jun 2025
- Net income up 42–43% year-over-year, with margin and loan growth driving strong results.AROWQ2 202413 Jun 2025
- Net income rose sequentially but fell year-over-year as credit loss reserves increased.AROWQ1 20256 Jun 2025
- Core results and loan growth support a positive outlook for 2025.AROWQ4 20245 Jun 2025
Next Arrow Financial earnings date
Q1 202630 Apr, 2026
Arrow Financial
Next Arrow Financial earnings date
Q1 202630 Apr, 2026
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Eferix Drawings Google Play
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@ankurshah47_ x.com
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Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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