Arrow Financial Corporation (AROW)

Arrow Financial Corp. stock experienced several notable events in the past six months. The stock hit a new 52-week high of $36.47 on April 9, 2026. The company announced strong Q4 earnings on January 29, 2026, reporting $0.85 EPS, surpassing estimates. The quarterly dividend was increased to $0.30 per share, representing a 3.3% yield. On February 26, 2026, Arrow Financial Corporation announced the acquisition of Adirondack Bancorp, Inc. Wall Street Zen and Weiss Ratings upgraded shares of Arrow Financial to a "buy" rating in March 2026.

Demand for Arrow Financial Corp.'s products and services exhibits seasonality. The beginning of the year is favorable for marketing interest-bearing accounts, with tax refund season being effective for savings promotions. Summer months see a surge in new checking account activity. Marketing for new treasury or cash management accounts is successful in the latter half of the year. December is the least effective month for marketing bank products, while the period from the second week of September through October is often the most effective. Seasonal chart analysis suggests a period of seasonal strength for its stock from July 20 to November 23.

Arrow Financial Corp. is a bank holding company offering banking and insurance services through its subsidiaries, operating in the Financial Services sector, specifically in the Regional Banks industry. It provides deposit products, commercial and real estate loans, consumer installment loans, personal lines of credit, and residential real estate loans. Additionally, it offers wealth management, trust services, and insurance products through Upstate Agency, LLC. The company's key revenue sources include interest income, fees, and commissions.

Headquartered in Glens Falls, New York, Arrow Financial Corp. primarily serves northeastern New York, extending from Albany to the Canadian border, including the Adirondack region, Upper Hudson Valley, Mohawk Valley, and parts of Central New York. The acquisition of Adirondack Bancorp, Inc. in February 2026 expanded its presence into Oneida, Herkimer, and Franklin counties. Following the unification of its banking subsidiaries under the brand "Arrow Bank National Association" in January 2025, the bank operates 38 branches across northeastern New York.

Arrow Financial Corp. has demonstrated a positive brand reputation through community engagement, industry recognition, and strategic brand simplification. The "Arrow Family of Companies" exceeded $1 million in giving and logged over 13,700 volunteer hours. The company was named to the "Piper Sandler Sm-All Stars: Class of 2024." The unification of its banking subsidiaries under the "Arrow Bank National Association" brand aimed to maintain local service while streamlining operations.

Arrow Financial Corporation has a diverse ownership structure. Institutional shareholders hold approximately 46.55% to 57.35% of the company's shares. Individual insiders own about 3.31% of the shares, while private corporations hold around 11.34%. The general public accounts for approximately 38.80% of the ownership. Thomas L. Hoy is the largest individual shareholder, owning 1.92% of the company.