ARROW FINANCIAL CORPORATION (AROW)

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ARROW FINANCIAL CORPORATION

AROW • CIK 0000717538

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Revenue (Expense), Net	—	$111,732	$133,164	$141,335
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal	$3,381	$5,180	$7,274	$5,036
Interest Income (Expense), after Provision for Loan Loss	$101,451	$106,552	$125,890	$136,299
Income (Loss) Attributable to Parent, before Tax	$37,520	$37,358	$55,388	$64,601
Income Tax Expense (Benefit)	$7,445	$7,649	$11,435	$13,316
Net Income (Loss) Attributable to Parent	$30,075	$29,709	$43,953	$51,285
Interest and Fee Income, Loans and Leases	$142,016	$171,342	$184,069	$188,226
Interest Income, Domestic Deposits	$5,831	$9,615	$8,086	$7,718
Investment Income, Interest and Dividend	$162,564	$194,993	$210,147	$215,619
Interest Expense, Negotiable Order of Withdrawal (NOW) Deposits	$3,663	$7,442	$8,021	$8,539
Interest Expense, Savings Deposits	$34,343	$42,850	$38,106	$36,905
Interest Expense, Debt	$6,756	$3,637	$167	$1,019
Interest Expense, Junior Subordinated Debentures	$686	$686	$686	$686
Finance Lease, Interest Expense	$191	$189	$182	$185
Interest Expense	$57,732	$83,261	$76,983	$74,284
Insurance Commissions and Fees	$6,498	$7,147	$7,666	$8,123
Debt and Equity Securities, Gain (Loss)	$-92	$-2,907	$542	$565
Gain (Loss) on Sales of Loans, Net	$32	$209	$819	$949
Other Operating Income	$2,437	$2,781	$2,003	$2,034
Noninterest Income	$29,117	$28,074	$32,432	$33,868
Labor and Related Expense	$47,667	$52,707	$56,289	$58,667
Occupancy, Net	$6,554	$7,169	$7,762	$8,348
Federal Deposit Insurance Corporation Premium Expense	$2,050	$2,775	$2,516	$2,223
Other Noninterest Expense	$19,169	$15,252	$15,576	$16,404
Noninterest Expense	$93,048	$97,268	$102,934	$105,566
Weighted Average Number of Shares Outstanding, Basic	17,037,000	16,739,000	16,502,724	16,299,724
Weighted Average Number of Shares Outstanding, Diluted	17,037,000	16,745,000	16,505,470	16,325,470
Interest Income, Securities, Operating, Taxable	$11,764	$11,579	$15,964	$17,812
Interest Income, Securities, Operating, Tax Exempt	$2,953	$2,457	$2,028	$1,863
Undistributed Earnings (Loss) Allocated to Participating Securities, Basic	—	—	$142	$245
Net Income (Loss) Available to Common Stockholders, Basic	—	—	$43,811	$51,040
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	0	6,000	2,746	25,746
Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge	$5,849	$2,234	$0	$0
Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments	$-5,828	$-2,263	$0	$0
Gain (Loss) on Fair Value Hedges Recognized in Earnings	$21	$-29	$0	$0

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$36,755	$27,422	$29,132	$30,881
Interest-bearing Deposits in Banks and Other Financial Institutions	$105,781	$127,124	$185,051	$155,907
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$3,212,908	$3,394,541	$3,453,093	$3,496,541
Liabilities and Equity	$4,169,868	$4,306,348	$4,445,862	$4,482,359
Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization	$59,642	$59,717	$59,433	$62,530
Goodwill	$21,873	$23,789	$23,789	$23,789
Other Intangible Assets, Net	$1,110	$2,058	$1,741	$1,612
Other Assets	$126,926	$134,515	$155,133	$159,342
Noninterest-bearing Deposit Liabilities	$758,425	$702,978	$722,374	$736,087
Deposits, Negotiable Order of Withdrawal (NOW)	$799,785	$810,834	$862,192	$871,965
Deposits, Savings Deposits	$1,466,280	$1,520,024	$1,557,638	$1,590,680
Time Deposits, at or Above FDIC Insurance Limit	$179,301	$191,962	$155,802	$132,350
Deposits	$3,687,566	$3,827,930	$3,939,469	$3,655,205
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust	$20,000	$20,000	$20,000	$20,000
Finance Lease, Liability	$5,066	$5,005	$4,929	$4,887
Other Liabilities	$50,964	$43,912	$45,347	$45,771
Liabilities	$3,790,096	$3,905,447	$4,014,010	$4,036,053
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$497,769	$463,111	$495,868	$498,202
Preferred Stock, Value, Issued	$0	$0	$0	$0
DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss	$131,395	$98,261	$66,975	$65,490
Common Stock, Value, Issued	$22,067	$22,067	$22,067	$22,067
Equity Securities, FV-NI	$1,925	$5,055	$5,597	$5,897
Additional Paid in Capital	$412,551	$413,476	$414,506	$415,357
Other Investments	$5,049	$4,353	$4,372	$18,351
Retained Earnings (Accumulated Deficit)	$65,792	$77,215	$102,271	$116,806
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-33,416	$-18,453	$-4,037	$-5,390
Treasury Stock, Value	$87,222	$93,404	$102,955	$102,534
Stockholders' Equity Attributable to Parent	$379,772	$400,901	$431,852	$446,306
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$31,265	$33,598	$34,322	$36,183
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$3,181,643	$3,360,943	$3,418,771	$3,460,358
Debt Securities, Held-to-maturity, Fair Value	$128,837	$96,586	$66,569	$65,270
Preferred Stock, Shares Authorized	1,000,000	1,000,000	1,000,000	1,000,000
Preferred Stock, Shares Issued	—	—	0	0
Common Stock, Shares Authorized	30,000,000	30,000,000	30,000,000	30,000,000
Common Stock, Shares, Issued	22,066,559	22,066,559	22,066,559	22,066,559
Common Stock, Shares, Outstanding	—	—	16,445,342	16,545,170
Treasury Stock, Common, Shares	5,124,073	5,323,638	5,621,217	5,521,389

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$30,075	$29,709	$43,953	$51,285
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal	$3,381	$5,180	$7,274	$5,036
Depreciation, Depletion and Amortization, Nonproduction	$6,718	$5,361	$5,418	$5,375
Debt Securities, Available-for-sale, Realized Loss	$9,097	$3,038	$0	$0
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$77,876	$12,010	$59,637	$-81,660
Equity Securities, FV-NI, Gain (Loss)	$9,005	$131	$542	$565
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$142,536	$154,546	$214,183	$198,343
Increase (Decrease) in Mortgage Loans Held-for-sale	$-491	$8,986	$30,510	$30,423
Proceeds from Sale of Loans Held-for-sale	$32	$8,602	$28,705	$35,170
Gain (Loss) on Sale of Financing Receivable	$32	$209	$819	$949
Gain (Loss) on Disposition of Other Assets	$-187	$-404	$-288	$-434
Payment for Pension and Other Postretirement Benefits	$681	$1,131	$918	$931
Deferred Income Tax Expense (Benefit)	$1,799	$-789	$193	$-2,063
Share-based Payment Arrangement, Noncash Expense	$605	$314	$683	$812
Share-based Payment Arrangement, Exercise of Option, Tax Benefit	$-11	$-34	$-120	$-261
Increase (Decrease) in Other Operating Assets	$29,220	$8,209	$2,104	$3,347
Increase (Decrease) in Other Operating Liabilities	$9,269	$787	$325	$8,591
Net Cash Provided by (Used in) Operating Activities	$20,580	$34,469	$41,280	$51,970
ProceedsFromSaleOfEquitySecuritiesFvNi	$9,254	$0	$0	$0
Proceeds from Sale of Debt Securities, Available-for-sale	$100,739	$71,962	$0	$0
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$70,415	$107,800	$124,122	$92,415
Payments to Acquire Debt Securities, Available-for-sale	$73,623	$141,856	$136,605	$140,134
PaymentsToAcquireEquitySecuritiesFvNi	—	$2,999	$0	$0
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$51,724	$45,238	$51,977	$41,530
Payments to Acquire Held-to-maturity Securities	$8,209	$12,364	$20,797	$36,246
Payments for (Proceeds from) Loans and Leases	$228,899	$187,510	$75,169	$81,863
Payments for Hedge, Investing Activities	—	—	$3,017	$3,017
Proceeds from Sale of Other Property, Plant, and Equipment	$2,707	$3,326	$3,147	$3,065
Payments to Acquire Property, Plant, and Equipment	$7,081	$5,597	$5,089	$7,323
Payment to Acquire Life Insurance Policy, Investing Activities	$692	$0	$0	$0
Cash Acquired from Acquisition	—	$32,354	$0	$0
Net Cash Provided by (Used in) Investing Activities	$-82,650	$-88,950	$-61,450	$-145,367
Increase (Decrease) in Deposits	$189,202	$102,684	$111,539	$-274,125
Proceeds from Other Debt	$256,500	$102,100	$0	$305,925
Repayments of Other Debt	$284,800	$120,000	$4,335	$4,335
Payments for Hedge, Financing Activities	—	—	$1,445	$1,445
Finance Lease, Principal Payments	$53	$61	$76	$82
Payments for Repurchase of Common Stock	$3,608	$6,790	$10,240	$2,069
Proceeds from Stock Options Exercised	$96	$433	$256	$964
Proceeds from Stock Plans	$120	$291	$325	$313
Proceeds from Issuance of Common Stock, Dividend Reinvestment Plan	$472	$0	$0	$0
Payments of Ordinary Dividends	$17,983	$18,286	$18,897	$19,449
Net Cash Provided by (Used in) Financing Activities	$139,946	$66,491	$79,807	$11,737
Interest Paid, Excluding Capitalized Interest, Operating Activities	$51,828	$84,489	$77,209	$75,892
Income Taxes Paid, Net	—	—	$18,648	$18,648
Real Estate Owned, Transfer to Real Estate Owned	$2,488	$2,447	$2,744	$2,807
Noncash or Part Noncash Acquisition, Value of Assets Acquired	—	$3,819	$0	$0
Noncash or Part Noncash Acquisition, Value of Liabilities Assumed	—	$37,683	$0	$0

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Import this data to Google Sheets with:

=jivedata("AROW","financials")

Full statements spill as a table. For one cell: =jivedata("AROW","Revenue") or =jivedata("AROW","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.