AROW Earnings Date: Feb 4, 2027 (Estimated) — Arrow Financial Corporation
NASDAQ · Financials · Banks - Regional
Updated
When is AROW's next earnings date?
Arrow Financial Corporation (AROW) is expected to report Q4 2026 earnings on Thursday, February 4, 2027 at 8:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $1.00 on revenue of $59.5M.
How did AROW do in its last earnings report?
In its most recent report on Oct 29, 2026 (Q3 2026), Arrow Financial Corporation posted EPS of $0.97 versus the $0.94 estimate, a beat of 3.6%. Revenue was $68.1M against a $57.8M estimate. The stock's 1-day post-earnings move was +1.7%.
How much does AROW stock move after earnings?
AROW beat EPS estimates in 5 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 2.7% (up or down) in the day after earnings.
About Arrow Financial Corporation
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
🤖 AI Earnings Analysis
Arrow Financial posted a solid regional-bank quarter: EPS of $0.97 beat estimates by $0.03, while revenue rose 58% year over year to $68 million, also well ahead of consensus. The sharp growth rates likely reflect an unusually low comparison base, tempering confidence in underlying momentum.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-29 | Q3 2026 | 0.94 | 0.97 | +3.63% | $68.1M | ✅ Beat | +1.67% | — | — |
| 2026-07-23 | Q2 2026 | 0.85 | 0.71 | -16.47% | $44.2M | ❌ Miss | -3.91% | -1.68% | -5.17% |
| 2026-04-30 | Q1 2026 | 0.79 | 0.85 | +7.59% | $44.8M | ✅ Beat | +2.17% | +2.51% | +2.62% |
| 2026-01-29 | Q4 2025 | 0.80 | 0.85 | +6.25% | $43.4M | ✅ Beat | +2.15% | +10.71% | +3.60% |
| 2025-10-30 | Q3 2025 | 0.72 | 0.77 | +6.94% | $42.8M | ✅ Beat | +2.58% | +17.21% | +15.10% |
| 2025-01-30 | Q4 2024 | 0.57 | 0.47 | -17.54% | $33.9M | ❌ Miss | -2.16% | -1.16% | -1.24% |
| 2024-10-31 | Q3 2024 | 0.36 | 0.53 | +47.22% | $36.6M | ✅ Beat | -2.73% | +13.94% | +12.41% |
| 2024-07-25 | Q2 2024 | 0.54 | 0.52 | -3.70% | $35.0M | ❌ Miss | +4.46% | +1.58% | -6.56% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $5.7M total
| Segment | Share | Revenue | YoY | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Deposit Account | 52.3% | $3.0M | +6.5% | $5.5M | $2.6M | $2.8M | $2.9M |
| Fiduciary and Trust | 47.7% | $2.7M | +12.8% | $5.1M | $2.5M | $2.4M | $2.6M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.