ARROW FINANCIAL CORP (AROW)

Current Report Filed: 2026-04-30

Key Insights

Arrow Financial released Q1 2026 earnings on April 30, 2026, with both a press release and investor presentation providing transparency on financial results and trends through March 31, 2026.
The Board declared a quarterly cash dividend of $0.30 per share payable May 26, 2026, indicating continued shareholder returns and confidence in the company's financial position.
Arrow Financial is not an emerging growth company, suggesting it is an established regional bank with mature operations and full compliance obligations under SEC regulations.

Insider Trading Filed: 2026-04-15

Key Insights

Insider Philip C. Morris has made a small open-market purchase of 28 shares of ARROW FINANCIAL CORP (AROW), likely to demonstrate ongoing confidence in the company.
The purchase was made through the company's Dividend Reinvestment Plan (DRIP), suggesting a long-term investment horizon.
Insider ownership levels remain modest, with Morris now directly owning 7,535 shares, or a small fraction of the company's outstanding shares.

Insider Trading Filed: 2026-03-20

Key Insights

The reporting person, Kristine D. Duffy, acquired 236 additional shares of Arrow Financial Corp (AROW) common stock through a Director's Retainer Payment, increasing her direct beneficial ownership to 6,202 shares.
The reporting person's spouse holds an additional 1,030 shares of AROW common stock, which the reporting person disclaims beneficial ownership of.
The reported transactions represent routine insider activity, with the reporting person acquiring a small number of shares through a standard director compensation arrangement.

Insider Trading Filed: 2026-03-20

Key Insights

The reporting person, Daniel James White, is a director of Arrow Financial Corp and acquired 266 shares of common stock through a quarterly director's retainer payment.
White's total beneficial ownership of Arrow Financial Corp's common stock increased to 8,001 shares following the reported transaction.
This insider transaction provides insight into the company's director compensation practices and indicates the reporting person's ongoing commitment to the company.

Insider Trading Filed: 2026-03-20

Key Insights

Mark Behan, a director of Arrow Financial Corp, purchased 246 shares of common stock on March 18, 2026, at a price of $31.76 per share. This represents a direct ownership increase of 13,039 shares.
The filing notes that Behan has also acquired an additional 84 shares under the company's Dividend Reinvestment Plan (DRIP) since January 2026, which were not required to be reported on this Form 4.
The insider buying activity by a director suggests potential confidence in the company's prospects and may signal a positive outlook for investors.

Insider Trading Filed: 2026-03-20

Key Insights

Insider Colin L. Read, a director of Arrow Financial Corp, acquired 226 shares of common stock at $31.76 per share, increasing his direct ownership to 30,376 shares.
Read also holds an additional 3,020 shares indirectly through his wife, indicating a strong alignment of his interests with the company's performance.
The insider purchase suggests confidence in the company's future prospects and may be viewed positively by investors.

Insider Trading Filed: 2026-03-20

Key Insights

Raymond F. O'Conor, a director of Arrow Financial Corp, acquired 236 shares of the company's common stock on March 18, 2026 at $31.76 per share, increasing his direct beneficial ownership to 30,755 shares.
This insider purchase suggests that O'Conor has a positive outlook on the company's prospects and is willing to invest his own capital in the stock.
Insider buying can be a signal of management's confidence in the company's future performance, which may be of interest to investors.

Insider Trading Filed: 2026-03-20

Key Insights

Philip C. Morris, a director of Arrow Financial Corp, acquired 236 shares of common stock on March 18, 2026 at a price of $31.76 per share, increasing his direct ownership to 7,507 shares.
The director's stock acquisition indicates his confidence in the company and aligns his interests with shareholders.
Insider buying is generally seen as a positive signal for the stock, as directors have access to non-public information about the company's performance and prospects.

Insider Trading Filed: 2026-03-20

Key Insights

Insider Elizabeth Miller, a director, acquired 453 shares of ARROW FINANCIAL CORP (AROW) stock on March 18, 2026, increasing her direct ownership to 40,576 shares.
Miller also holds an indirect beneficial ownership of 5,847 shares through the Miller Family Partnership, LP.
This insider buying activity suggests management's confidence in the company's future performance.

Insider Trading Filed: 2026-03-20

Key Insights

David G. Kruczlnicki, a director of Arrow Financial Corp (AROW), acquired 266 shares of the company's common stock at $31.76 per share.
This purchase increases Kruczlnicki's direct beneficial ownership to 60,400 shares, indicating his confidence in the company's prospects.
Insider buying can be a positive signal for investors, as it suggests the director believes the stock is undervalued and has upside potential.

Insider Trading Filed: 2026-03-20

Key Insights

Darrin Jahnel, a director of Arrow Financial Corp, acquired 462 shares of the company's common stock on March 18, 2026 at a price of $31.76 per share.
This insider purchase suggests Jahnel's positive outlook on the company's prospects and aligns his interests with those of shareholders.
The relatively small amount of shares acquired, however, limits the significance of this transaction.

Insider Trading Filed: 2026-03-20

Key Insights

James M. Dawsey, a director of Arrow Financial Corp, purchased 453 shares of the company's common stock at $31.76 per share, increasing his direct holdings to 20,072 shares.
The purchase was made as part of the company's Director Retainer Payment program, suggesting ongoing confidence in the company's performance.
The total number of shares held by the director, including additional shares acquired through the company's Dividend Reinvestment Plan, is disclosed to provide a comprehensive view of his ownership position.

Insider Trading Filed: 2026-03-20

Key Insights

The reporting person, Gregory J. Champion, acquired 492 shares of ARROW FINANCIAL CORP (AROW) common stock on 03/18/2026 as part of a director's retainer payment, increasing his direct beneficial ownership to 11,515 shares.
The filing indicates that the reporting person has not previously reported acquiring 80 additional shares through the company's Dividend Reinvestment Plan (DRIP) since January 28, 2026, providing a more complete picture of his total holdings.
The timing and amount of this insider purchase suggest ongoing confidence in the company's prospects and alignment between the reporting person's interests and those of other shareholders.

Insider Trading Filed: 2026-03-20

Key Insights

Insider Tenee R. Casaccio, a Director of Arrow Financial Corp, has acquired 354 shares of the company's common stock through a Dividend Reinvestment Plan (DRIP) transaction on March 18, 2026.
This purchase, along with the 217 shares previously acquired under the DRIP since January 28, 2026, increases Casaccio's total direct beneficial ownership to 28,162 shares.
Insider buying activity, especially through a DRIP program, can signal management's confidence in the company's future prospects.

Insider Trading Filed: 2026-03-12

Key Insights

The reporting person, Philip C. Morris, is a director of Arrow Financial Corp (AROW) and has acquired 31 shares of common stock through the company's Dividend Reinvestment Plan (DRIP).
This insider purchase, which is part of an ongoing pattern of small DRIP acquisitions, suggests the director's continued confidence in the company's long-term prospects.
The overall ownership of 7,271 shares by the director indicates a meaningful stake in the company, further aligning his interests with those of other shareholders.

Annual Report Filed: 2026-03-06

Key Insights

The filing indicates that ARROW FINANCIAL CORP had a 3-year trend of increasing other non-interest expenses, which could impact profitability if the trend continues.
The company's property, plant, and equipment, as well as other assets, have seen fluctuations over the 3-year period, suggesting potential changes in the company's operations or investments.
The company's other liabilities have also fluctuated, which could indicate changes in its financial obligations or risk profile.

Current Report Filed: 2026-02-26

Key Insights

Arrow Financial Corporation is acquiring Adirondack Bancorp, Inc. in an all-stock and cash transaction, with Adirondack shareholders receiving 1.8610 shares of Arrow common stock and $18.72 per share.
The merger is expected to be a tax-free reorganization under Section 368(a) of the Internal Revenue Code, and the combined company will have a more diversified geographic footprint and product offering.
Adirondack's President and CEO Rocco Arcuri, Sr. will be appointed to the boards of directors of Arrow and Arrow Bank, and will also serve as Regional President at the effective time of the merger.

Insider Trading Filed: 2026-02-12

Key Insights

The reporting person, Philip C. Morris, a director of Arrow Financial Corp (AROW), acquired 29 shares of the company's common stock through a dividend reinvestment plan (DRIP) on February 11, 2026, at a price of $35.08 per share.
This transaction increases Morris's direct beneficial ownership in AROW to 7,189 shares, indicating continued confidence and commitment to the company.
Insider buying, particularly by directors, is generally seen as a positive signal for the company's prospects and can be viewed favorably by investors.

Insider Trading Filed: 2026-02-04

Key Insights

The reporting person, Darrin Jahnel, acquired 69 shares of ARROW FINANCIAL CORP (AROW) common stock on January 28, 2026 through a restricted stock award that will vest over the next 3 years.
The acquisition of these shares indicates that Darrin Jahnel, who is a director of the company, has a direct ownership interest in ARROW FINANCIAL CORP and is aligning his interests with those of shareholders.
The timing of the restricted stock award, coming in late January, suggests that this may be part of the company's standard executive compensation practice, rather than a one-off transaction.

Insider Trading Filed: 2026-02-04

Key Insights

The reporting person, Mark Behan, acquired 818 shares of ARROW FINANCIAL CORP common stock at $32.43 per share, increasing his direct ownership to 12,709 shares.
The restricted stock acquired vests in 3 equal installments over the next 3 years, indicating a long-term commitment by the director.
The reporting includes an additional 95 shares acquired through the company's dividend reinvestment plan (DRIP) since October 2025, providing a more complete picture of the insider's total holdings.

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Important Information