39.11
+1.66%
Close of 9 Nov 2026, in USD
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About Arrow Financial
From its filings with the US Securities and Exchange Commission
Arrow Financial is based in Glens Falls, New York and is incorporated in New York. Its shares trade on Nasdaq under the ticker AROW. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $44.0m. At that date it held total assets of $4.45bn and shareholders' equity of $431.9m.
Arrow was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. As of December 31, 2025 the Company had one wholly-owned banking subsidiary, Arrow Bank National Association. Through Arrow Bank, Arrow indirectly owns various non-bank subsidiaries, including an insurance agency, a registered investment adviser and a REIT. See "The Company and Its Subsidiaries," above.
Arrow’s business consists primarily of the ownership, supervision and control of Arrow Bank, including the bank's subsidiaries. Arrow provides various advisory and administrative services and coordinates the general policies and operation of Arrow Bank. There were 578 full-time equivalent employees, including 40 employees within Arrow's insurance agency subsidiary, at December 31, 2025. See the discussion of our human capital resources in Section G ("HUMAN CAPITAL") of this Item 1.
Arrow offers a broad range of commercial and consumer banking and financial products. The deposit base consists of deposits derived principally from the communities served. The Company targets lending activities to consumers and small- and mid-sized companies in Arrow's regional geographic area. In addition, through an indirect lending program Arrow sources consumer loans from an extensive network of automobile dealers that operate throughout New York and Vermont.
Quoted from its 10-K, filed 6 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 18 Sept 1980
- Employees
- 578
- Website
- arrowfinancial.com ↗
- Head office
- 250 GLEN ST, GLENS FALLS, NY, 12801
- Incorporated in
- NY
- Classification
- National Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Ms. Tenee CasaccioChairman of the Board$105,392
- Mr. David DemarcoPresident, Chief Executive Officer, Director, since 2009$1.2m
- Mr. Mark BehanIndependent Vice Chairman of the Board$84,767
- Mr. Penko IvanovChief Financial Officer, Senior Executive Vice President, Chief Accounting Officer, Treasurer$659,821
- Ms. Brooke PancoeChief Human Resources Officer
- Mr. Andrew WiseSenior Executive Vice President, Chief Risk Officer$625,129
- Mr. David KaiserSenior Executive Vice President, Chief Credit Officer$634,945
- Mr. Marc YrshaSenior Executive Vice President, Chief Banking Officer$537,191
- Mr. Michael JacobsChief Information Officer
- Mr. James DawseyDirector$46,321
- Mr. Gregory ChampionIndependent Director$83,142
- Dr. Kristine DuffyIndependent Director$48,821
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 19
- Environment
- 5
- Social
- 30
- Governance
- 23
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Arrow Financial Corp has consistently displayed strong financial performance, showcasing profitability, stability, and growth over the years. This strength enhances investor confidence and allows the company to reinvest, expand, and withstand economic downturns effectively.
- Arrow Financial Corp has built a solid brand reputation in the financial industry. With a long history of providing reliable and trustworthy services to its customers, the company has gained customer loyalty and a positive image. This brand reputation sets Arrow Financial Corp apart from its competitors and attracts new clients.
Weaknesses
- Arrow Financial Corp's operations are primarily concentrated in a specific geographic region. While this focus allows for deeper market penetration and localized customer relationships, it also exposes the company to economic risks and limited growth opportunities outside its core markets. Diversification may become a challenge as a result.
- As a financial institution, Arrow Financial Corp heavily relies on interest rate changes as they directly impact its lending and investment activities. A sudden and significant shift in interest rates can have a substantial effect on the company's profitability and overall financial performance. This vulnerability to interest rate fluctuations represents a weakness that should be strategically managed.
Opportunities
- Arrow Financial Corp has the opportunity to expand its operations into new geographic markets. By targeting untapped regions, the company can diversify its revenues, mitigate risks associated with a single market, and benefit from potential customer demand and growth in these new areas.
- The financial industry is rapidly evolving with technological advancements. Arrow Financial Corp can seize this opportunity by investing in innovative solutions, digital banking platforms, and enhanced customer experiences. Embracing technology can lead to improved operational efficiency, cost savings, and a competitive edge in the market.
Threats
- Arrow Financial Corp operates in a highly competitive market where other financial institutions vie for the same customer base. The intense competition could result in pricing pressures, reduced profitability, and the potential loss of market share. Staying ahead in such a competitive landscape requires continuous innovation, exceptional customer service, and building sustainable competitive advantages.
- As a financial institution, Arrow Financial Corp faces regulatory and compliance risks. The industry is subject to numerous laws, regulations, and oversight, which may evolve or become more stringent over time. Non-compliance or failure to adapt to regulatory changes can lead to penalties, reputational damage, or even restrictions on business operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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