STOCK TITAN

Arrow Financial (NASDAQ: AROW) director exercises options, withholds shares

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Arrow Financial Corp director Raymond F. O'Conor reported an option exercise on August 4, 2026. He exercised 1,061 Director Stock Options at an exercise price of $33.78 per share, receiving 1,061 shares of common stock. To satisfy the exercise price or tax liability, 878 common shares at $40.79 per share were delivered or withheld. The option grant, which fully vested in four equal installments beginning January 26, 2023, now shows 0 options remaining from this award. The transactions were not reported as made under a Rule 10b5-1 trading plan.

Positive

  • None.

Negative

  • None.
Insider O'Conor Raymond F
Role Director
Type Security Shares Price Value
Exercise Director Stock Option (Right to Buy) F1 1,061 $0.00 $0.00
Exercise Common Stock 1,061 $33.78 $36K
Exercise Price or Tax Liability Common Stock 878 $40.79 $36K
Holdings After Transaction: Director Stock Option (Right to Buy) — 0 shares (Direct); Common Stock — 31,085 shares (Direct)
Footnotes (1)
  1. F1. The options vested in four equal installments beginning January 26, 2023
Options exercised 1,061 shares Director Stock Options converted into common stock on August 4, 2026
Option exercise price $33.78 per share Exercise price for 1,061 Director Stock Options
Shares delivered/withheld 878 shares Common shares used to pay exercise price or tax liability
Delivery/withholding price $40.79 per share Price applied to 878 common shares for exercise price or tax obligations
Option expiration date 2032-01-26 Expiration date of the Director Stock Option award that was exercised
Option vesting start January 26, 2023 Options vested in four equal installments beginning on this date
Director Stock Option (Right to Buy) financial
"security_title: Director Stock Option (Right to Buy)"
exercise or conversion of derivative security financial
"transaction_code_description: Exercise or conversion of derivative security"
Payment of exercise price or tax liability financial
"transaction_code_description: Payment of exercise price or tax liability"
vested in four equal installments financial
"The options vested in four equal installments beginning January 26, 2023"

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FAQ

What insider transaction did Arrow Financial (AROW) report for Raymond F. O'Conor?

Arrow Financial director Raymond F. O'Conor exercised 1,061 stock options into common shares. As part of the transaction, 878 shares were delivered or withheld at $40.79 per share to satisfy the exercise price or related tax obligations.

How many Arrow Financial (AROW) options did Raymond F. O'Conor exercise and at what price?

Raymond F. O'Conor exercised 1,061 Director Stock Options at an exercise price of $33.78 per share. These options converted into 1,061 shares of Arrow Financial common stock in a derivative exercise/conversion transaction.

What happened to the Arrow Financial (AROW) shares after O'Conor’s option exercise?

Following the option exercise, 878 common shares at $40.79 per share were delivered or withheld. The Form 4 characterizes this as a payment of exercise price or tax liability by using shares rather than cash.

Did Raymond F. O'Conor’s Arrow Financial (AROW) options remain outstanding after the transaction?

For this specific award, the derivative position shows 0 options remaining after exercising 1,061 options. The option grant had vested in four equal installments beginning on January 26, 2023, before this full exercise.

Were O'Conor’s Arrow Financial (AROW) transactions under a Rule 10b5-1 plan?

The Form 4 indicates the transactions were not affirmed as made under a Rule 10b5-1 trading plan. The document’s Rule 10b5-1 checkbox is explicitly unchecked, and no footnote references a pre-arranged trading arrangement.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
O'Conor Raymond F

(Last)(First)(Middle)
7 ROLLING GREEN DRIVE

(Street)
WILTON NEW YORK 12831

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
ARROW FINANCIAL CORP [ AROW ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/04/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock08/04/2026M1,061A$33.7831,963D
Common Stock08/04/2026F878D$40.7931,085D
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Director Stock Option (Right to Buy)$33.7808/04/2026M1,061 (1)01/26/2032Common Stock1,061$00D
Explanation of Responses:
1. The options vested in four equal installments beginning January 26, 2023
Remarks:
Penko Ivanov, Attorney in Fact08/06/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)