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Arrow Financial Corporation · NASDAQ
Price: $36.30 · Annual div: $1.18/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in AROW → $2.42M in 10 years · $230.05/month
Arrow Financial Corporation, a bank holding company, provides commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit; and commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties, as well as commercial construction and land development loans to finance projects. The company's lending activities also include consumer installment loans to finance personal expenditures, personal lines of credit, overdraft protection, and automobile loans; and residential real estate loans, fixed home equity loans, and home equity lines of credit for consumers to finance home improvements, debt consolidation, education, and other uses. In addition, it maintains an indirect lending program; and sells residential real estate loan originations into the secondary market. Further, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration services for corporations. Additionally, it offers insurance agency services comprising group health care policies and life insurance, and property and casualty insurance products; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties, as well as surrounding areas. It owns 26 branch banking offices; and leases 12 branch banking offices, as well as two residential loan origination offices. Arrow Financial Corporation was founded in 1851 and is headquartered in Glens Falls, New York.
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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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% | 3.25% | 0.45% | $325 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.76% | -0.04% | $276 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.60% | -0.20% | $260 / yr |
| 🇬🇧 UK ISA | 0% | 3.25% | 0.45% | $325 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.97% | 0.17% | $297 / yr |
| 🇨🇦 TFSA | 0% | 3.25% | 0.45% | $325 / yr |
| 🇨🇦 CA Taxable | 25% | 2.44% | -0.36% | $244 / yr |
| 🇦🇺 Super (pension) | 15% | 2.76% | -0.04% | $276 / yr |
| 🇦🇺 AU Taxable | 30% | 2.27% | -0.52% | $228 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.39% | -0.41% | $239 / yr |
| 🇫🇷 FR Taxable | 30% | 2.27% | -0.52% | $228 / 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.
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 pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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 |
|---|---|---|---|---|---|---|
| G-Gift | 2026-05-26 | 119 | — | — | ||
| G-Gift | 2026-05-20 | 500 | — | — | ||
| G-Gift | 2026-05-18 | 525 | — | — | ||
| G-Gift | 2026-05-11 | 1,876 | — | — | ||
| G-Gift | 2026-05-11 | 1,876 | — | — | ||
| G-Gift | 2026-05-18 | 525 | — | — | ||
| G-Gift | 2026-05-20 | 500 | — | — | ||
| G-Gift | 2026-05-26 | 119 | — | — | ||
| M-Exempt | 2026-05-19 | 386 | $31.47 | $12.1K | ||
| M-Exempt | 2026-05-19 | 386 | $31.47 | $12.1K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
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 →
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