Arrow Finl Corp SEC Filings

Director stock receipt and holdings disclosure. A director of Arrow Financial Corp (AROW) received 271 shares as a quarterly director retainer on 10/08/2025, reported at an effective price of $27.31. After the transaction the reporting person beneficially owns 10,041 shares; the filing also discloses 84 shares acquired under the company's dividend reinvestment plan since 07/09/2025 that are now included in the total holdings. The Form 4 was filed by a single reporting person and is furnished to disclose total holdings as of the report date.

Insider purchase increases director stake in Arrow Financial Corp. Director Casaccio Tenee R acquired 412 shares of Arrow Financial Corp (AROW) on 10/08/2025 at a reported price of $27.31 per share as a quarterly director's retainer payment. After the transaction the reporting person beneficially owns 26,542 shares. The filing also discloses 233 additional shares acquired under the company dividend reinvestment plan since 07/09/2025, which are being furnished now to show total holdings. The Form 4 was signed by an attorney-in-fact on 10/10/2025.

Mark Behan, a director of Arrow Financial Corp (AROW), reported a purchase of 286 shares on 10/08/2025 at a price of $27.31 per share identified by transaction code J and described as a Quarterly Director's Retainer Payment. The filer also disclosed 93 shares acquired through the company's dividend reinvestment plan since 07/09/2025, which were not previously required to be reported on Form 4. Following the disclosed activity, the reporting person beneficially owns 11,796 shares. The Form 4 was signed by an attorney-in-fact, Penko Ivanov, on 10/10/2025 to furnish the total holdings.

Reporting person: Penko Ivanov, SEVP, Treasurer and CFO of Arrow Financial Corp (AROW). Transactions: Ivanov purchased common stock on 08/26/2025 and 08/27/2025 in three open-market transactions totaling 12,000 shares at prices of $29.46, $29.38 and $29.50 per share, and reports an aggregate holding of 19,715 shares after the trades. The filing also discloses 6 shares acquired under the company's DRIP since August 6, 2025 that are being furnished to show total holdings. The Form 4 reports direct ownership and is filed individually by the reporting person.

Arrow Financial Corp director Philip C. Morris purchased 35 shares of the company's common stock on 08/14/2025 through the company's dividend reinvestment plan at $28.51 per share, increasing his direct beneficial ownership to 5,784 shares. The filing is a Form 4 reporting an individual transaction by a director and confirms the purchase was an optional cash DRIP acquisition rather than an open-market trade or option exercise. The transaction was reported on the Form 4 and signed by an attorney-in-fact on behalf of the reporting person.

Arrow Financial (AROW) Q2 2025 10-Q highlights

• Net income climbed 26% YoY to $10.8 M; diluted EPS $0.65 vs $0.52.
• Net interest income rose 20% to $32.5 M as earning-asset growth and lower funding costs offset rate pressure; interest expense fell 8%.
• Quarterly provision only $0.6 M, but 1H-25 provisioning surged to $5.6 M (vs $1.4 M YTD-24), lifting the allowance to $34.2 M (≈1.0% of loans).
• Non-interest income slipped 3% while operating expenses grew 10%, tempering margin gains.
• Loans inched up 0.9% YTD to $3.43 B; deposits advanced 2.6% to $3.93 B, trimming the loan-to-deposit ratio to 87%.
• Liquidity strengthened: cash & equivalents $268 M (+74% YTD). Unrealized securities losses narrowed, generating $7.6 M OCI and boosting total equity to $408.5 M (+1.9%).
• Capital actions: $0.56/sh dividends and repurchase of 327 k shares left 16.47 M shares outstanding.

Six-month view: net income $17.1 M (+5%), EPS $1.03. Operating cash flow $20.3 M; securities redemptions exceeded purchases by $56.2 M.

Takeaways: Wider spreads and deposit growth drove earnings, while rising credit provisions and expense inflation warrant monitoring.

Arrow Financial Corp. (AROW) Form 4 filing: Penko K. Ivanov, Senior EVP, Treasurer & CFO, bought 1,425 shares of AROW common stock on 08 Aug 2025 (trade date 06 Aug 2025) at $26.50 per share, a cash outlay of roughly $37.8k.

Following the purchase, Ivanov directly owns 7,709 shares. The filing notes an additional 477 shares accumulated since 29 Jan 2025 via the company’s DRIP (10 sh), ESPP (229 sh) and ESOP (238 sh); these did not require prior Form 4 disclosure but are now included in the total.

No derivative securities were reported. There were no dispositions, option exercises, or sales, and the transaction was coded “P” (open-market purchase). While modest in size, a direct insider purchase—especially by the CFO—can signal management confidence in the company’s valuation and prospects.