Arrow Financial director gifts 300 AROW shares

ARROW FINANCIAL CORP director Raymond F. O'Conor reported a bona fide gift of 300 shares of Common Stock on 2026-06-10.

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Form Type

Rhea-AI Filing Summary

ARROW FINANCIAL CORP director Raymond F. O'Conor reported a bona fide gift of 300 shares of Common Stock on 2026-06-10.

The shares were transferred at a price of $0.00 per share, reflecting a non-market gift transaction. Following this transfer, O'Conor directly holds 30,455 shares of Arrow Financial Corp Common Stock.

Insider Trade Summary

300 shares gifted

Gift 1 txn

Insider O'Conor Raymond F

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	300	$0.00	$0.00

Holdings After Transaction: Common Stock — 30,455 shares (Direct)

Key Figures

Shares gifted: 300 shares Gift price per share: $0.00 per share Shares held after transaction: 30,455 shares

3 metrics

Shares gifted 300 shares Bona fide gift of Common Stock on June 10, 2026

Gift price per share $0.00 per share Reported transaction price for the 300-share gift

Shares held after transaction 30,455 shares Direct holdings following the reported gift

Key Terms

Bona fide gift, Common Stock, Form 4

3 terms

Bona fide gift financial

"transaction_code_description: "Bona fide gift""

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

Common Stock financial

"security_title: "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 4 regulatory

"form_type: "4" in the filing metadata"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

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

Arrow Financial director Raymond F. O'Conor reported a bona fide gift of 300 shares of Common Stock. The transaction occurred on June 10, 2026, at a reported price of $0.00 per share, indicating a non-market, no-consideration transfer.

How many Arrow Financial (AROW) shares did Raymond F. O'Conor gift?

Raymond F. O'Conor gifted 300 shares of Arrow Financial Corp Common Stock. This was reported as a bona fide gift transaction with no purchase or sale price, reflecting a transfer without cash consideration rather than an open-market trade.

What are Raymond F. O'Conor’s Arrow Financial (AROW) holdings after the reported gift?

After the bona fide gift of 300 shares, Raymond F. O'Conor directly holds 30,455 shares of Arrow Financial Corp Common Stock. This remaining stake provides context that the gifted amount represents a relatively small portion of his disclosed direct holdings.

Was the Arrow Financial (AROW) transaction by Raymond F. O'Conor a market sale or purchase?

The transaction was not a market sale or purchase; it was reported as a bona fide gift. The filing shows 300 shares of Common Stock transferred at $0.00 per share, indicating no cash consideration and no open-market trading activity.

What does the 'G' transaction code mean in the Arrow Financial (AROW) Form 4?

In this Form 4, the 'G' transaction code is described as a bona fide gift. It signifies that 300 shares of Arrow Financial Corp Common Stock were transferred as a gift, rather than bought or sold on the open market for cash.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 06/12/2026 - 01:34 PM EDT

SEC Form 4

FORM 4

UNITED 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)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/10/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form 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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	06/10/2026		G		300	D	$0	30,455	D

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

Remarks:

	Penko Ivanov, Attorney in Fact	06/12/2026
	** Signature of Reporting Person	Date
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)

Source: View Original Filing on SEC EDGAR