AROW Arrow Financial (AROW) Insider Trading, Ownership & Congress Trades
Banks · National commercial banks · CIK 0000717538
SEC filings
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
Conversions, 180 days
13
Codes C/M, not in net · $564.2K priced
What the filings say about AROW
Insiders, 180 days
-$158.6K net sold
1 seller · 0% of sales under a 10b5-1 plan
Arrow Financial insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, ARROW FINANCIAL CORP insiders sold a net $158.6K of stock across 72 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 buys), the last on Oct 27, 2023.
- +37.6% median (+37.6% mean) 90-day return after 2 previous buys.
- The trade is 46.0% of the 8,929 shares held after it.
- No other insider sold within 30 days.
Insider activity: Director Behan Mark sold about $158.6K of AROW on Jun 17, 2026, the largest insider sale at the company on our record.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Aug 22, 2022.
- The trade is 100.0% of the 3,035 shares held after it.
- No other insider bought within 30 days.
Insider activity: President & CEO DeMarco David S. bought about $96.5K of AROW on Dec 24, 2025.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Jan 31, 2025.
- The trade is 23.9% of the 6,890 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: Director White Daniel James bought about $49.6K of AROW on Nov 10, 2025; 1 other insider bought within 30 days.Context
- 6 earlier Form 4 trades (code P or S) here by this insider (6 buys), the last on Sep 10, 2025.
- +6.6% median (+7.7% mean) 90-day return after 4 previous buys.
- The trade is 6.1% of the 26,391 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: SEVP, Treasurer and CFO Ivanov Penko Krassimir bought about $48.2K of AROW on Nov 4, 2025; 1 other insider bought within 30 days.Context
- 6 earlier Form 4 trades (code P or S) here by this insider (6 buys), the last on Sep 10, 2025.
- +6.6% median (+7.7% mean) 90-day return after 4 previous buys.
- The trade is 0.0% of the 26,394 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: SEVP, Treasurer and CFO Ivanov Penko Krassimir bought about $89 of AROW on Nov 4, 2025; 1 other insider bought within 30 days.72 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$158.6K over 180 days
more than 55% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
$483.0K repurchased, FY to 2026-06-30
below 81% of Banks
Short interest
3.9% of the float short (float per yahoo 2026-10-27) · 9.7 days to cover · settled 2026-10-15
more than 59% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch AROW
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+47.0%12M
Insider buyInsider sell
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns AROW: institutional holders (13F)
13F holdings, latest reported quarter
SEC 13F
No reported 13F holders
No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.
Congress trades in AROW
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
AROW planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
Executive pay vs shareholder return · Thomas J. Murphy
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.6M
$1.5M
$628.5K
+39%
+53%
2024
$1.2M
$1.2M
$614.2K
+22%
+43%
2022
$1.7M
$1.9M
$584.1K
+28%
+27%
2021
$2.1M
$2.0M
$557.2K
+25%
+37%
2020
$1.7M
$1.4M
$481.4K
-16%
-14%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
The record shows a net $158.6K sold by insiders over 180 days. Each figure is a federal filing, dated the day it went public.
AROW financials
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Revenue, TTM AROW
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Net margin, TTM AROW
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$44.6M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM AROW
| FY Dec 2025 | $36.2M |
| FY Dec 2024 | $28.9M |
| FY Dec 2023 | $13.5M |
| FY Dec 2022 | $45.5M |
| FY Dec 2021 | $61.1M |
| Jun 2026 | $11.6M |
| Mar 2026 | $13.9M |
| Dec 2025 | $4.8M |
| Sep 2025 | $14.3M |
| Jun 2025 | $8.3M |
| Mar 2025 | $8.8M |
| Dec 2024 | $4.1M |
| Sep 2024 | $8.1M |
At each fiscal year end
Single quarter
Debt to equity
0.70x
long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30; equity 2026-06-30
Debt to equity AROW
| FY Dec 2025 | 0.02x |
| FY Dec 2024 | 0.04x |
| FY Dec 2023 | 0.09x |
| FY Dec 2022 | 0.23x |
| FY Dec 2021 | 0.12x |
| Jun 2026 | 0.70x |
| Mar 2026 | 0.02x |
| Dec 2025 | 0.02x |
| Sep 2025 | 0.03x |
| Jun 2025 | 0.04x |
| Mar 2025 | 0.04x |
| Dec 2024 | 0.04x |
| Sep 2024 | 0.08x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.17x
TTM operating cash flow over long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30
Cash flow to debt AROW
| FY Dec 2025 | 4.84x |
| FY Dec 2024 | 2.00x |
| FY Dec 2023 | 0.62x |
| FY Dec 2022 | 0.72x |
| FY Dec 2021 | 1.52x |
| Jun 2026 | 0.17x |
| Mar 2026 | 5.45x |
| Dec 2025 | 4.84x |
| Sep 2025 | 3.19x |
| Jun 2025 | 2.06x |
| Mar 2025 | 1.99x |
| Dec 2024 | 2.00x |
| Sep 2024 | 0.38x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+12.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity AROW
| FY Dec 2025 | +10.6% |
| FY Dec 2024 | +7.6% |
| FY Dec 2023 | +8.2% |
| FY Dec 2022 | +13.5% |
| FY Dec 2021 | +14.1% |
| Jun 2026 | +12.0% |
| Mar 2026 | +12.1% |
| Dec 2025 | +10.6% |
| Sep 2025 | +8.5% |
| Jun 2025 | +7.7% |
| Mar 2025 | +7.2% |
| Dec 2024 | +7.6% |
| Sep 2024 | +8.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.2%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets AROW
| FY Dec 2025 | +1.0% |
| FY Dec 2024 | +0.7% |
| FY Dec 2023 | +0.7% |
| FY Dec 2022 | +1.2% |
| FY Dec 2021 | +1.3% |
| Jun 2026 | +1.2% |
| Mar 2026 | +1.1% |
| Dec 2025 | +1.0% |
| Sep 2025 | +0.8% |
| Jun 2025 | +0.7% |
| Mar 2025 | +0.6% |
| Dec 2024 | +0.7% |
| Sep 2024 | +0.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital AROW
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed AROW
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
12.40x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing AROW
| FY Dec 2025 | 11.85x |
| FY Dec 2024 | 16.22x |
| FY Dec 2023 | 15.79x |
| FY Dec 2022 | 11.65x |
| FY Dec 2021 | 11.52x |
| Jun 2026 | 13.22x |
| Mar 2026 | 10.86x |
| Dec 2025 | 11.85x |
| Sep 2025 | 13.67x |
| Jun 2025 | 14.44x |
| Mar 2025 | 15.46x |
| Dec 2024 | 16.22x |
| Sep 2024 | 14.62x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$942.3M
market value at close 2026-10-27 on 2026-07-31 shares, plus long-term 2025-12-31 (6 months older than the period end) plus current 2026-06-30, minus cash 2018-12-31
Enterprise value AROW
| FY Dec 2025 | $440.6M |
| FY Dec 2024 | $413.5M |
| FY Dec 2023 | $425.3M |
| FY Dec 2022 | $558.7M |
| FY Dec 2021 | $508.8M |
| Jun 2026 | $907.7M |
| Mar 2026 | $478.6M |
| Dec 2025 | $440.6M |
| Sep 2025 | $394.7M |
| Jun 2025 | $373.5M |
| Mar 2025 | $372.5M |
| Dec 2024 | $413.5M |
| Sep 2024 | $428.3M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+6.3%
TTM free cash flow over market value at close 2026-10-27
FCF yield AROW
| FY Dec 2025 | +7.0% |
| FY Dec 2024 | +6.0% |
| FY Dec 2023 | +2.8% |
| FY Dec 2022 | +8.1% |
| FY Dec 2021 | +11.1% |
| Jun 2026 | +6.6% |
| Mar 2026 | +7.5% |
| Dec 2025 | +7.0% |
| Sep 2025 | +7.6% |
| Jun 2025 | +6.6% |
| Mar 2025 | +6.5% |
| Dec 2024 | +6.0% |
| Sep 2024 | +1.6% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.18x
P/E over trailing EPS growth of 69%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing AROW
| FY Dec 2025 | 0.24x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.64x |
| Jun 2026 | 0.19x |
| Mar 2026 | 0.13x |
| Dec 2025 | 0.24x |
| Sep 2025 | 2.44x |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Net income | $44.0M | $29.7M | $30.1M | $48.8M |
| EPS (diluted) | 2.65 | 1.77 | 1.77 | 2.86 |
| Operating cash flow | $41.3M | $34.5M | $20.6M | $59.7M |
| Long-term debt | $4.3M | $8.6M | $6.5M | $27.8M |
| Buybacks | $10.2M | $6.8M | $3.6M | $2.9M |
| Dividends paid | n/a | n/a | n/a | $17.4M |
SEC XBRL, fiscal years, as known on 2026-10-28
AROW Stock Sonar score 4/7 axes
Find similar shapesCompareAROW ranks highest on profitability (62nd percentile) and risk and compliance (41st), and lowest on financial health (20th), among Banks peers.
4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
AROW filings, in plain words
Are Arrow Financial insiders buying or selling AROW?
In the 180 days to 2026-10-28, Arrow Financial insiders were net sellers, a net $158.6K across purchases and sales reported on Form 4, by 1 seller.
Read the full summary
In the 180 days to 2026-10-28, Arrow Financial insiders were net sellers of AROW, a net $158.6K across purchases and sales reported on Form 4 by 1 seller. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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