Arrow Financial Corporation (AROW)

Over the past six months, Arrow Financial's stock performance has fluctuated, with a recent decrease but an overall increase in the past year. The company reported varying net income in Q4 2024 and full-year 2024, as well as Q4 2025 and full-year 2025, with recent positive results. Arrow declared quarterly dividends, increasing them over time, and has a history of raising dividend payouts for 32 consecutive years. The company completed its bank unification, repurchased shares, and authorized additional repurchases. There have been insider purchases of stock. Analyst ratings are currently "Hold" with an average price target of $31.25.

The banking sector, including Arrow Financial Corp., experiences seasonal trends with loan demand typically low in January and February, increasing in March, and peaking in August or September. Arrow Financial Corp. has seen a seasonal uptick in total deposits, enhancing liquidity. Demand deposits and non-bank time deposits tend to rise in June and September, while scheduled bank credit to the private sector is often high in March and December.

Arrow Financial Corp. (AROW) is a bank holding company operating through its banking subsidiaries, now unified as Arrow Bank National Association, providing financial products and services to individuals and businesses. The company offers deposit products, lending activities (commercial, real estate, consumer, and residential), wealth management and trust services, insurance services through Upstate Agency LLC, and other financial products like online banking and investment advisory services.

Arrow Financial Corp. primarily serves northeastern New York State, with its branch network extending from Albany to the Canadian border, including the Adirondack region, Upper Hudson Valley, Mohawk Valley, and parts of Central New York.

Arrow Financial Corp. has maintained a positive brand reputation, being voted No. 1 Best Bank by The Post-Star readers and consistently receiving the BauerFinancial 5-Star rating. Both banking subsidiaries maintained their Bauer Financial 5-Star ratings for multiple consecutive years. There have been no specific events reported in the past year that have negatively impacted its brand reputation.

Major institutional owners of Arrow Financial Corp. include Arrow Bank National Association, BlackRock, Inc., The Vanguard Group, Inc., Dimensional Fund Advisors LP, and State Street Global Advisors, Inc. The CEO, Dave DeMarco, directly owns 0.36% of the company's shares. Insider sentiment is positive due to open-market purchases from insiders.