Welcome to our dedicated page for Arrow Finl SEC filings (Ticker: AROW), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Arrow Financial Corporation filings document a bank holding company's operating results, capital actions, governance matters, and material-event disclosures. Form 8-K reports furnish quarterly earnings releases, Regulation FD investor presentations, dividend declarations, share repurchase authorization, and other corporate updates tied to Arrow's banking operations, loan portfolio, deposits, investment portfolio, and non-interest income sources.
The company's proxy materials cover board elections, director and executive compensation, pay-versus-performance disclosures, and shareholder voting matters. Other current reports record board appointments and retirements, compensatory arrangements, and shareholder derivative litigation disclosures, including statements about the financial impact of related settlement activity.
Arrow Financial Corp director Kristine D. Duffy reported routine equity compensation and updated her share holdings. On the Form 4, a code J transaction shows 236 shares of Common Stock on March 18, 2026 at $31.76 per share, described in the footnotes as a quarterly director’s retainer payment.
Following this transaction, she directly holds 6,202 Common shares. The filing also notes 10 and 9 additional shares acquired through the company’s dividend reinvestment plan since January 28, 2026, included to show current totals. Another 1,030 shares are held indirectly by her spouse, and she expressly disclaims beneficial ownership of those securities.
Arrow Financial Corp director Elizabeth Miller reported a routine stock-based retainer. On the reported date, she had an "other" transaction involving 453 shares of common stock at $31.76 per share, described as a quarterly director's retainer payment. Following this, she directly held 40,576 common shares. She also reported 5,847 shares held indirectly through Miller Family Partnership, LP, while expressly disclaiming beneficial ownership of those partnership-held shares.
Arrow Financial Corp director Philip C. Morris reported a routine compensation-related stock transaction. He received 236 shares of common stock as a quarterly director’s retainer payment at a reference price of $31.76 per share. Following this non-market transaction, he holds 7,507 shares directly.
Arrow Financial Corp director Raymond F. O’Conor reported a routine stock-based compensation transaction. He received 236 shares of common stock as a quarterly director’s retainer payment at an indicated value of $31.76 per share. Following this grant, he directly owns 30,755 common shares.
Arrow Financial Corp director Colin L. Read reported receiving 226 shares of common stock on March 18, 2026 as a quarterly director's retainer payment valued at $31.76 per share. After this compensation transaction, he directly holds 30,376 shares. An additional 3,020 shares are held indirectly by his wife, and he disclaims beneficial ownership of those securities.
ARROW FINANCIAL CORP director Mark Behan reported a routine equity compensation transaction involving 246 shares of Common Stock as a quarterly director's retainer payment. The shares are reported at a reference price of $31.76 per share, and there was no open-market buy or sell.
Following this transaction, Behan directly holds 13,039 shares of Arrow Financial common stock, which includes 84 shares acquired through the company's dividend reinvestment plan since January 28, 2026. The filing is primarily an administrative update of his total holdings.
Arrow Financial Corp director Daniel James White reported a routine equity compensation transaction. On the reported date, he had an "other" coded transaction involving 266 shares of common stock at $31.76 per share, tied to his quarterly director’s retainer payment.
Following this activity, White directly held 8,001 common shares. A footnote explains that this total includes 13 shares acquired through the company’s dividend reinvestment plan since January 28, 2026, which were not previously reportable on Form 4 but are now reflected to show his full current holdings.
Arrow Financial Corp director Philip C. Morris reported an update to his holdings through the company’s dividend reinvestment plan (DRIP). The filing shows an optional cash purchase of 31 shares of common stock at $34.49 per share on the plan date.
After this transaction, Morris directly holds 7,271 shares of Arrow Financial common stock. This total includes 51 DRIP shares acquired since February 11, 2026 that were not previously reportable on Form 4 and are now disclosed to present his current aggregate holdings.
Arrow Financial Corporation outlines its community banking business, risk profile and governance in an Annual Report for the year ended December 31, 2025. Through Arrow Bank National Association, it reports diversified lending, wealth management and insurance operations across upstate New York and nearby states.
The report highlights Arrow Bank’s scale, including 578 full-time equivalent employees and 38 branches, and confirms it exceeds all regulatory capital minimums and qualifies as well-capitalized. Arrow also discusses extensive regulatory oversight, cybersecurity and fraud controls, human capital initiatives and community investments exceeding $4 million since 2019.
A key strategic development is a planned merger with Adirondack Bancorp, Inc., under which each Adirondack share will convert into 1.8610 Arrow shares plus $18.72 in cash, for an implied value of approximately $89.1 million, subject to regulatory and shareholder approvals and customary conditions.
Arrow Financial Corporation entered into an Agreement and Plan of Merger dated February 25, 2026 to acquire Adirondack Bancorp, Inc. under a two-step merger structure that also merges Adirondack Bank into Arrow Bank National Association.
At the Effective Time each Adirondack common share will convert into 1.8610 shares of Arrow common stock and $18.72 in cash; fractional shares will be cashed out. The merger is conditioned on shareholder approval, regulatory clearances, Nasdaq listing authorization, an effective Form S-4, and customary closing conditions. A $3.62 million termination fee and 180-day lock-ups for certain holders are included.