Arrow Financial Corporation (AROW)

Arrow Financial Corp. experienced insider buying in September and August 2025. The company's Q1 earnings and revenues missed estimates in April 2025. David Kaiser retired and began a consultancy in August 2025. Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company unified into Arrow Bank National Association, with new branding starting in January 2025. The stock price has decreased by 4.0% since the beginning of 2025, trading at approximately $27.56 per share as of October 2025, with a consensus "Hold" rating and an average price target of $28.25.

The banking sector, including Arrow Financial Corp., experiences seasonal trends with low loan demand in January and February, increasing from March, peaking in August or September, and declining until December, influenced by interest rate seasonality. Anticipated seasonal patterns indicate a further decrease in deposit balances in the upcoming quarter, potentially raising concerns about revenue sustainability. Banks in agricultural areas see loan increases in spring for farming needs, with liquidation after harvest.

Arrow Financial Corporation is a bank holding company in the Finance sector, providing financial products and services through its subsidiaries, including online and mobile banking, mortgages, commercial loans, investments, wealth management, consumer installment and home equity financing, and insurance services. The company's revenue comes from interest income, fees, and commissions earned through its subsidiaries.

Arrow Financial Corporation is headquartered in Glens Falls, New York, and operates across northeastern New York, providing banking, insurance, and wealth management services from Plattsburgh to Albany through 38 branches in Albany to Clinton counties.

Arrow Financial Corp.'s brand reputation was affected by the unification of its banking subsidiaries into "Arrow Bank National Association," with new branding in January 2025, intended to simplify brand identity and strengthen market presence. The company emphasizes quality service, trusted relationships, and community engagement, with recognitions from publications and bank-rating firms due to its conservative business model and steady growth strategy. The Q1 earnings and revenue miss in April 2025 could have a short-term impact, but the rebranding aims to bolster its long-term market standing.

Arrow Financial Corporation has a diverse ownership structure, including institutional owners such as BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors Lp, State Street Corp, Geode Capital Management, Llc, and American Century Companies Inc. Arrow Financial Corp itself holds a percentage of shares, and individual insiders have been active with insider buying.