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AI brief of an SEC Form 8-K · ARROW FINANCIAL CORP (AROW)

Arrow Financial Q3 net income falls to $5.7 million on $15.6 million merger costs

Mixed Impact 3 of 5 earnings Written later

Arrow Financial reported third-quarter 2026 net income of $5.7 million, or $0.31 per diluted share, down from $11.0 million, or $0.66, in the second quarter. Excluding $15.6 million of merger-related expenses tied to the Adirondack Bancorp acquisition, core EPS was $0.97, and the company declared a $0.30 quarterly dividend.

Key points

  • GAAP net income $5.7 million ($0.31 per diluted share) vs. $11.0 million ($0.66) in Q2 2026
  • Core EPS of $0.97 excludes $15.6 million ($0.66 per share) of merger-related expenses from the July 1, 2026 Adirondack Bancorp acquisition
  • Net interest margin rose to 3.80% (3.81% FTE) from 3.42% (3.43% FTE) in the prior quarter
  • Quarterly dividend of $0.30 per share, payable November 23, 2026 to shareholders of record on November 11, 2026

The filing

CompanyARROW FINANCIAL CORP (AROW)
Form8-K, current report
Filed with the SECOct 29, 2026, 8:05 AM ET
Accession number0000717538-26-000134

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 29, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.