[8-K] Arrow Financial Corp Reports Material Event

Rhea-AI Filing Summary

Arrow Financial Corporation filed an 8-K to disclose several capital-return actions and furnish its Q2-25 financial information.

• Item 2.02 / 7.01: The company released an earnings press release and an investor presentation for the quarter ended 30-Jun-2025 (Exhibits 99.1 & 99.2). No numeric results are included in the filing itself.
• Item 8.01: On 23-Jul-2025 the Board declared a $0.29/share quarterly cash dividend, payable 25-Aug-2025 to holders of record on 11-Aug-2025.
• The Board also authorized management to repurchase up to an additional $5 million of AROW common stock through open-market or private transactions.

No other material events, financial statements or guidance were provided in this report.

Positive

• $0.29 per share quarterly dividend declared, reinforcing ongoing cash return to shareholders.
• Authorization of an additional $5 million share repurchase, offering potential EPS accretion and downside support.

Negative

• None.

Insights

Bank Equity Analyst

TL;DR: Dividend held at $0.29 and $5 m buyback added—small but shareholder-friendly; no financials disclosed.

The 8-K is modestly positive. Maintaining the dividend signals stable core earnings and regulatory comfort with capital levels. The incremental $5 million buyback (~1.1 % of market cap) provides optional support for EPS and the share price, though the size is limited. Absence of actual Q2 numbers tempers the impact; investors must wait for the furnished exhibits to gauge operating trends. Overall, the filing reinforces a conservative capital-return stance without revealing new risks.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report: July 23, 2025

(Date of earliest event reported)

ARROW FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

New York			0-12507			22-2448962
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

250 Glen Street

Glens Falls

New York

12801

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code:

518

745-1000

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class			Trading Symbol			Name of each exchange on which registered
Common Stock, Par Value $1.00 per share			AROW			NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company						☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act						☐

Item 2.02.     Results of Operations and Financial Condition.

On July 24, 2025, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended June 30, 2025.  A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Item 7.01.     Regulation FD Disclosure.

On July 24, 2025, the Company made available certain presentation material (the "Second Quarter 2025 Investor Presentation"), which includes among other things, a review of financial results and trends through the period ended June 30, 2025. The furnished Second Quarter 2025 Investor Presentation should be read in conjunction with our Earnings Release for the quarter ended June 30, 2025.

A copy of the presentation material is included as Exhibit 99.2 to this current report on Form 8-K and is incorporated herein by reference.

The information furnished under this Report, including Exhibits 99.1 and 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or subject to the liabilities of that section. The information shall not be deemed incorporated by reference into any other filing with the Securities and Exchange Commission made by the Company, regardless of any general incorporation language in such filing.

Item 8.01.     Other Events.

On July 23, 2025, the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.29 per share payable August 25, 2025 to shareholders of record on August 11, 2025.

Additionally on July 23, 2025, the Board authorized management, in its discretion, to repurchase from time to time, in the open market or in privately negotiated transactions, up to an additional $5 million of Arrow common stock.

Item 9.01.    Financial Statements and Exhibits.

Exhibits:

Exhibit No. Description

Exhibit 99.1 Arrow Financial Corporation Earnings Press Release dated July 24, 2025

Exhibit 99.2 Arrow Financial Corporation First Quarter 2025 Investor Presentation dated July 24, 2025

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						ARROW FINANCIAL CORPORATION
						Registrant
Date:			July 24, 2025			/s/ Penko Ivanov
						Penko Ivanov
						Chief Financial Officer

FAQ

What dividend did Arrow Financial (AROW) declare in the July 2025 8-K?

The Board declared a $0.29 per share cash dividend payable 25-Aug-2025 to shareholders of record on 11-Aug-2025.

Did the filing include Arrow Financial’s Q2 2025 earnings numbers?

No. Numeric results are contained in Exhibit 99.1 and were not reproduced in the 8-K text.

How large is the new share repurchase authorization for AROW?

The Board authorized management to buy back up to $5 million of additional common stock.

Which exhibits accompany this Arrow Financial 8-K filing?

Exhibit 99.1 (Earnings Press Release), Exhibit 99.2 (Investor Presentation) and Exhibit 104 (Cover Page Inline XBRL).

When will Arrow Financial pay its Q2 2025 dividend?

The dividend is scheduled for 25-Aug-2025.