ARROW FINANCIAL CORP 8-K

What Happened

• On January 29, 2026, Arrow Financial Corporation filed an 8-K furnishing a press release with unaudited financial information and discussion for the year-to-date period ended December 31, 2025, and made available a "Fourth Quarter 2025 Investor Presentation" reviewing results and trends through December 31, 2025.
• The Board declared a quarterly cash dividend of $0.30 per share (announced January 28, 2026) payable February 25, 2026 to shareholders of record on February 11, 2026.
• Also on January 28, 2026, Director Elizabeth A. Miller notified the Board she will retire at the end of her current term at the 2026 Annual Meeting; she has served as a director since 2017.

Key Details

• Press release with unaudited YTD financial results furnished as Exhibit 99.1 on January 29, 2026.
• Fourth Quarter 2025 Investor Presentation furnished as Exhibit 99.2 on January 29, 2026.
• Quarterly cash dividend: $0.30 per share; payable Feb 25, 2026; record date Feb 11, 2026.
• Director retirement: Elizabeth A. Miller notified the Board Jan 28, 2026; term ends at the 2026 Annual Meeting; director since 2017.

Why It Matters

• The furnished earnings release and investor presentation give shareholders updated, unaudited information about Arrow’s recent financial performance and trends through year-end 2025 — useful when assessing near-term results and outlook.
• The $0.30 quarterly dividend is a cash return to shareholders and affects income-oriented investors and yield calculations.
• The announced retirement of a long-serving director may affect board composition and governance discussions ahead of the 2026 Annual Meeting; no successor was named in the filing.
• Note: the press release and presentation were furnished (not “filed”) and therefore are not subject to Section 18 liabilities or automatically incorporated by reference into other SEC filings.