Arrow Financial | 10-Q: FY2025 Q3 Revenue: USD 62.31 M

Revenue: As of FY2025 Q3, the actual value is USD 62.31 M.

EPS: As of FY2025 Q3, the actual value is USD 0.77, beating the estimate of USD 0.72.

EBIT: As of FY2025 Q3, the actual value is USD -17.53 M.

Segment Revenue

• Interest and Fees on Loans: $46,832 thousand for the three months ended September 30, 2025, compared to $44,122 thousand for the same period in 2024. For the nine months ended September 30, 2025, the figure was $136,982 thousand, up from $126,639 thousand in 2024.
• Interest on Deposits at Banks: $2,245 thousand for the three months ended September 30, 2025, compared to $2,103 thousand in 2024. For the nine months ended September 30, 2025, it was $5,488 thousand, down from $6,735 thousand in 2024.

Operational Metrics

• Net Interest Income: $34,131 thousand for the three months ended September 30, 2025, compared to $28,438 thousand in 2024. For the nine months ended September 30, 2025, it was $98,021 thousand, up from $82,045 thousand in 2024.
• Provision for Credit Losses on Loans: $815 thousand for the three months ended September 30, 2025, compared to $934 thousand in 2024. For the nine months ended September 30, 2025, it was $6,428 thousand, up from $2,326 thousand in 2024.
• Net Income: $12,825 thousand for the three months ended September 30, 2025, compared to $8,975 thousand in 2024. For the nine months ended September 30, 2025, it was $29,940 thousand, up from $25,239 thousand in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $35,371 thousand for the nine months ended September 30, 2025, compared to $28,844 thousand in 2024.
• Net Cash (Used) Provided by Investing Activities: -$38,034 thousand for the nine months ended September 30, 2025, compared to $1,173 thousand in 2024.
• Net Cash Provided by Financing Activities: $245,554 thousand for the nine months ended September 30, 2025, compared to $167,535 thousand in 2024.

Unique Metrics

• Allowance for Credit Losses: $34,176 thousand as of September 30, 2025, compared to $33,598 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: Arrow Financial Corporation plans to maintain a strong liquidity position to address unexpected disruptions and continue its focus on core banking operations, including commercial and consumer lending, while managing credit risk effectively.
• Non-Core Business: The company is not currently focusing on major divestitures or expansions into non-core areas, maintaining its strategic focus on its existing market and product lines.