Arrow Financial Corporation (AROW) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 36.13M | 35.14M | 34.13M | 32.53M | 31.36M | 29.69M | 28.44M | 27.15M | 26.45M | 25.61M | 25.35M | 25.77M | 28.09M | 30.58M | 30.9M | 29.04M | 27.82M | 27.2M | 28.64M | 28.36M |
| NII Growth % | 15.22% | 18.38% | 20.02% | 19.82% | 18.53% | 15.91% | 12.17% | 5.35% | -5.83% | -16.24% | -17.95% | -11.25% | 0.97% | 12.41% | 7.9% | 2.39% | 6.39% | 2.83% | 15.01% | 14.16% |
| Net Interest Margin % | 0.8% | 0.79% | 0.74% | 0.74% | 0.7% | 0.69% | 0.64% | 0.64% | 0.61% | 0.61% | 0.59% | 0.63% | 0.68% | 0.77% | 0.73% | 0.73% | 0.67% | 0.68% | 0.7% | 0.73% |
| Interest Income | 53.79M | 54.61M | 53.6M | 51.57M | 50.37M | 50.9M | 49.44M | 47.97M | 46.68M | 44.32M | 42.12M | 40.01M | 36.11M | 35.9M | 34.21M | 30.59M | 28.95M | 28.35M | 29.81M | 29.7M |
| Interest Expense | 17.66M | 19.47M | 19.47M | 19.04M | 19.01M | 21.21M | 21M | 20.82M | 20.22M | 18.71M | 16.76M | 14.24M | 8.02M | 5.33M | 3.31M | 1.55M | 1.12M | 1.15M | 1.17M | 1.33M |
| Loan Loss Provision | 548K | 846K | 815K | 594K | 5.02M | 2.85M | 934K | 775K | 617K | 525K | 354K | 948K | 1.55M | 1.41M | 1.72M | 905K | 769K | 558K | 99K | 263K |
| Non-Interest Income | 8.63M | 8.27M | 8.72M | 7.61M | 7.84M | 4.23M | 8.13M | 7.86M | 7.86M | 7.48M | 8.05M | 6.91M | 6.68M | 7.17M | 7.83M | 7.74M | 8.16M | 7.59M | 7.69M | 8.48M |
| Non-Interest Income % | 13.82% | 13.15% | 13.99% | 12.86% | 13.47% | 7.67% | 14.13% | 14.07% | 14.41% | 14.45% | 16.05% | 14.72% | 15.61% | 16.64% | 18.62% | 20.2% | 21.99% | 21.11% | 20.52% | 22.21% |
| Total Revenue | 62.42M | 62.88M | 62.31M | 59.18M | 58.2M | 55.13M | 57.58M | 55.83M | 54.53M | 51.81M | 50.17M | 46.92M | 42.79M | 43.07M | 42.03M | 38.34M | 37.11M | 35.94M | 37.5M | 38.17M |
| Revenue Growth % | 7.25% | 14.06% | 8.23% | 6.01% | 6.73% | 6.41% | 14.77% | 18.99% | 27.46% | 20.29% | 19.35% | 22.39% | 15.3% | 19.83% | 12.09% | 0.43% | 2.22% | -4.09% | 4.19% | 8.55% |
| Non-Interest Expense | 26.86M | 25.8M | 25.43M | 25.65M | 26.05M | 25.84M | 24.1M | 23.32M | 24.01M | 23.19M | 23.48M | 24.08M | 22.3M | 20.79M | 21.45M | 20.34M | 18.95M | 20.86M | 19.42M | 19.09M |
| Efficiency Ratio | 43.04% | 41.04% | 40.81% | 43.34% | 44.75% | 46.87% | 41.86% | 41.77% | 44.03% | 44.76% | 46.8% | 51.33% | 52.11% | 48.28% | 51.03% | 53.07% | 51.05% | 58.04% | 51.79% | 50% |
| Operating Income | 17.34M | 16.76M | 16.6M | 13.9M | 8.13M | 5.22M | 11.54M | 10.91M | 9.68M | 9.38M | 9.57M | 7.65M | 10.92M | 15.54M | 15.56M | 15.53M | 16.27M | 13.37M | 16.81M | 17.49M |
| Operating Margin % | 27.79% | 26.66% | 26.64% | 23.48% | 13.97% | 9.47% | 20.04% | 19.55% | 17.76% | 18.11% | 19.08% | 16.3% | 25.52% | 36.09% | 37.03% | 40.51% | 43.85% | 37.21% | 44.83% | 45.81% |
| Operating Income Growth % | 113.29% | 220.97% | 43.88% | 27.31% | -16.03% | -44.34% | 20.55% | 42.74% | -11.33% | -39.64% | -38.52% | -50.77% | -32.89% | 16.23% | -7.41% | -11.18% | -2.75% | -17.09% | 21.47% | 49.2% |
| Pretax Income | 17.34M | 16.76M | 16.6M | 13.9M | 8.13M | 5.22M | 11.54M | 10.91M | 9.68M | 9.38M | 9.57M | 7.65M | 10.92M | 15.54M | 15.56M | 15.53M | 16.27M | 13.37M | 16.81M | 17.49M |
| Pretax Margin % | 27.79% | 26.66% | 26.64% | 23.48% | 13.97% | 9.47% | 20.04% | 19.55% | 17.76% | 18.11% | 19.08% | 16.3% | 25.52% | 36.09% | 37.03% | 40.51% | 43.85% | 37.21% | 44.83% | 45.81% |
| Income Tax | 3.86M | 2.75M | 3.77M | 3.09M | 1.82M | 752K | 2.56M | 2.31M | 2.02M | 1.66M | 1.83M | 1.6M | 2.36M | 3.46M | 3.4M | 3.56M | 3.7M | 3.06M | 3.82M | 4.21M |
| Effective Tax Rate % | 22.25% | 16.4% | 22.74% | 22.24% | 22.41% | 14.4% | 22.21% | 21.17% | 20.9% | 17.68% | 19.09% | 20.92% | 21.6% | 22.24% | 21.86% | 22.91% | 22.72% | 22.91% | 22.73% | 24.07% |
| Net Income | 13.48M | 14.01M | 12.82M | 10.8M | 6.31M | 4.47M | 8.97M | 8.6M | 7.66M | 7.72M | 7.74M | 6.05M | 8.56M | 12.09M | 12.16M | 11.97M | 12.57M | 10.31M | 12.99M | 13.28M |
| Net Margin % | 21.6% | 22.29% | 20.58% | 18.26% | 10.84% | 8.11% | 15.59% | 15.41% | 14.05% | 14.91% | 15.43% | 12.89% | 20.01% | 28.06% | 28.94% | 31.23% | 33.89% | 28.68% | 34.64% | 34.79% |
| Net Income Growth % | 113.71% | 213.49% | 42.9% | 25.58% | -17.62% | -42.12% | 15.91% | 42.29% | -10.53% | -36.1% | -36.34% | -49.5% | -31.91% | 17.25% | -6.36% | -9.83% | -5.31% | -17.5% | 17.59% | 44.98% |
| Net Income (Continuing) | 13.48M | 14.01M | 12.82M | 10.8M | 6.31M | 4.47M | 8.97M | 8.6M | 7.66M | 7.72M | 7.74M | 6.05M | 8.56M | 12.09M | 12.16M | 11.97M | 12.57M | 10.31M | 12.99M | 13.28M |
| EPS (Diluted) | 0.82 | 0.85 | 0.78 | 0.65 | 0.38 | 0.27 | 0.54 | 0.51 | 0.45 | 0.45 | 0.46 | 0.35 | 0.50 | 0.71 | 0.73 | 0.72 | 0.76 | 0.62 | 0.78 | 0.80 |
| EPS Growth % | 115.79% | 214.81% | 44.44% | 27.45% | -15.56% | -40% | 17.39% | 45.71% | -10% | -36.62% | -36.99% | -51.39% | -34.21% | 14.52% | -6.41% | -10% | -5% | -18.42% | 16.42% | 42.86% |
| EPS (Basic) | 0.82 | 0.85 | 0.78 | 0.65 | 0.38 | 0.27 | 0.54 | 0.52 | 0.45 | 0.45 | 0.46 | 0.35 | 0.50 | 0.71 | 0.73 | 0.72 | 0.76 | 0.62 | 0.79 | 0.80 |
| Diluted Shares Outstanding | 16.4M | 16.41M | 16.41M | 16.55M | 16.67M | 16.74M | 16.74M | 16.71M | 16.87M | 17M | 17.05M | 17.05M | 17.06M | 17.09M | 16.56M | 16.54M | 16.57M | 16.56M | 16.57M | 16.57M |