Arrow Financial (NASDAQ: AROW) posts 2025 update and declares $0.30 dividend

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Arrow Financial Corporation filed a current report outlining several shareholder updates. The company furnished an earnings press release with unaudited financial information and discussion for the year-to-date period ended December 31, 2025, and also provided a Fourth Quarter 2025 investor presentation reviewing financial results and trends.

The report notes that Director Elizabeth A. Miller plans to retire from the Board after completing her current term, which ends at the 2026 Annual Meeting. The Board also declared a quarterly cash dividend of $0.30 per share, payable on February 25, 2026, to shareholders of record as of February 11, 2026.

8-K Event Classification

5 items: 2.02, 5.02, 7.01, 8.01, 9.01

5 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance

Key personnel changes including departures, elections, or appointments of directors and executive officers.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

01/29/2026 - 07:48 AM

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: January 28, 2026

(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 January 29, 2026, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the year-to-date period ended December 31, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Item 5.02(b). Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

Director Miller to Retire. On January 28, 2026, Elizabeth A. Miller notified the Board of Directors of Arrow Financial Corporation (the "Company") that she will retire from the Board after serving out the rest of her term which ends at the 2026 Annual Meeting. Ms. Miller has served as a Director of the Company since 2017. We thank her for her many years of service to the Company and wish her the best.

Item 7.01. Regulation FD Disclosure.

On January 29, 2026, the Company made available certain presentation material (the "Fourth Quarter 2025 Investor Presentation"), which includes among other things, a review of financial results and trends through the period ended December 31, 2025. The furnished Fourth Quarter 2025 Investor Presentation should be read in conjunction with our Earnings Release for the quarter ended December 31, 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 January 28, 2026, the Board of Directors (the “Board”) of Arrow Financial Corporation (the “Company”) declared a quarterly cash dividend of $0.30 per share payable February 25, 2026 to shareholders of record on February 11, 2026.

A copy of the press release announcing the quarterly cash dividend is furnished as Exhibit 99.1 to this report on Form 8-K.

Item 9.01. Financial Statements and Exhibits.

Exhibit No. Description

Exhibit 99.1 Arrow Financial Corporation Earnings Press Release dated January 29, 2026

Exhibit 99.2 Arrow Financial Corporation Fourth Quarter 2025 Investor Presentation

Exhibit 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:	January 29, 2026	/s/ Penko Ivanov
		Penko Ivanov Chief Financial Officer

Source: View Original Filing on SEC EDGAR

FAQ

What did Arrow Financial Corporation (AROW) disclose about its latest financial results?

Arrow Financial furnished an earnings press release with unaudited financial information for the year-to-date period ended December 31, 2025. It also released a Fourth Quarter 2025 investor presentation reviewing recent financial results and trends for shareholders and analysts.

What dividend did Arrow Financial Corporation (AROW) declare in this 8-K?

Arrow Financial’s Board declared a quarterly cash dividend of $0.30 per share. The dividend is payable on February 25, 2026, to shareholders of record as of February 11, 2026, continuing the company’s practice of returning cash to shareholders.

When will Arrow Financial Corporation pay its newly declared dividend?

Arrow Financial will pay the declared quarterly cash dividend of $0.30 per share on February 25, 2026. Shareholders must be on record as of February 11, 2026, to receive this dividend payment from the company.

What board change did Arrow Financial Corporation (AROW) announce?

Arrow Financial reported that Director Elizabeth A. Miller notified the Board she will retire after completing her term. Her service will end at the 2026 Annual Meeting, following her tenure as a Director since 2017 at the company.

What investor materials did Arrow Financial Corporation release with this filing?

Arrow Financial released two key materials: an earnings press release with unaudited year-to-date 2025 results and a Fourth Quarter 2025 investor presentation. Both are furnished as exhibits and provide additional detail on performance and financial trends.

Are Arrow Financial’s new earnings materials considered filed with the SEC?

The company stated that the earnings press release and investor presentation are furnished, not filed, for purposes of Section 18 of the Securities Exchange Act. They are also not automatically incorporated by reference into other SEC filings.