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AROW Dividend DRIP Calculator 2026
2.88% YieldFinancial ServicesArrow Financial Corporation · NASDAQ
Price: $40.91 · Annual div: $1.18/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When AROW pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in AROW → $2.40M in 10 years · $202.39/month
About Arrow Financial Corporation (AROW) — Dividend Analysis 2026
Arrow Financial Corporation functions as a bank holding company, delivering a comprehensive suite of commercial and consumer banking services, alongside various financial products. Its core deposit offerings include conventional options like demand accounts, interest-bearing checking accounts, savings accounts, and diverse time deposits. The company's lending portfolio features commercial credit facilities such as term loans, time-based notes, and revolving lines of credit. It also extends financing for commercial real estate, encompassing property acquisitions, refinancing, expansions, and improvements, in addition to loans for commercial construction and land development. On the consumer side, Arrow Financial provides installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans. Residential real estate financing is another key component, offering mortgages, fixed home equity loans, and home equity lines of credit to support home improvements, debt consolidation, educational funding, and other personal requirements. Furthermore, the company operates an indirect lending program and actively sells its originated residential real estate loans into the secondary market. Beyond traditional banking, Arrow Financial offers comprehensive wealth management and trust services. This includes retirement planning, trust administration, and estate management for individuals, as well as pension, profit-sharing, and employee benefit plan administration for corporate clients. The corporation also operates an insurance agency, providing group health, life, and property and casualty policies. Additionally, it offers investment advisory services for its proprietary mutual funds and holds an interest in a real estate investment trust. The company's operational footprint spans the northeastern region of New York State, specifically serving Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, along with neighboring communities. Its physical infrastructure comprises 26 owned branch banking locations, 12 leased branch offices, and two dedicated residential loan origination centers. Established in 1851, Arrow Financial Corporation maintains its corporate headquarters in Glens Falls, New York.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 AROW Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold AROW.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.88% | 0.08% | $288 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.45% | -0.35% | $245 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.30% | -0.50% | $230 / yr |
| 🇬🇧 UK ISA | 0% | 2.88% | 0.08% | $288 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.63% | -0.17% | $263 / yr |
| 🇨🇦 TFSA | 0% | 2.88% | 0.08% | $288 / yr |
| 🇨🇦 CA Taxable | 25% | 2.16% | -0.64% | $216 / yr |
| 🇦🇺 Super (pension) | 15% | 2.45% | -0.35% | $245 / yr |
| 🇦🇺 AU Taxable | 30% | 2.02% | -0.78% | $202 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.12% | -0.68% | $212 / yr |
| 🇫🇷 FR Taxable | 30% | 2.02% | -0.78% | $202 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 AROW Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.18/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 AROW Dividend Payment Schedule
AROW pays quarterly — 4 times per year. Next ex-div: TBD.
📊 AROW vs Financial Services Benchmarks
How AROW compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for AROW sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ AROW Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-06-24 | 1,126 | $31.34 | $35.3K | ||
| F-InKind | 2026-06-24 | 874 | $40.36 | $35.3K | ||
| M-Exempt | 2026-06-24 | 1,126 | $31.34 | $35.3K | ||
| M-Exempt | 2026-06-18 | 1,061 | $33.78 | $35.8K | ||
| F-InKind | 2026-06-18 | 923 | $38.80 | $35.8K | ||
| M-Exempt | 2026-06-18 | 1,061 | $33.78 | $35.8K | ||
| J-Other | 2026-06-17 | 203 | $38.49 | $7.8K | ||
| Sale | 2026-06-17 | 4,110 | $38.59 | $158.6K | ||
| J-Other | 2026-06-17 | 406 | $38.49 | $15.6K | ||
| J-Other | 2026-06-17 | 373 | $38.49 | $14.4K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the AROW dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Arrow Financial Corporation (AROW) is currently trading at $40.91, trading near its 52-week high. The current dividend yield is 2.88% based on an annual payout of $1.18 per share.
AROW (Arrow Financial Corporation) — 2.88% Dividend Yield Analysis
Arrow Financial Corporation (AROW) is a financial services stock currently trading at $40.91 with a dividend yield of 2.88%. The company pays an annual dividend of $1.18 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, AROW has grown its dividend at a compound annual rate of 22.9%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest AROW News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.