13F-HR: Arrow Financial Corp Discloses Q4 2025 Holdings

Arrow Financial Corp has filed its Form 13F-HR, revealing its equity and mutual fund holdings as of December 31, 2025, totaling over $1 billion.

Summary

• Arrow Financial Corp, along with its included manager Arrow Bank National Association, reported total investment holdings valued at $1,003,074,635 as of December 31, 2025.
• The filing details 318 distinct holdings entries, primarily consisting of equities and various exchange-traded funds (ETFs) and mutual funds.
• Significant equity holdings by value include Apple Inc. ($17,906,331), NVIDIA Corp ($17,892,624), Microsoft Corp ($14,703,982), and Alphabet Inc. Class A ($15,803,370).
• The portfolio also features substantial allocations to broad market ETFs such as Invesco QQQ Trust Series 1 ($85,333,802), iShares Core S&P Mid-Cap ETF ($54,491,448), iShares Core MSCI Dev Mkts ETF ($44,232,069), and Vanguard S&P 500 ETF ($122,534,304).
• A notable portion of the portfolio is invested in various iShares iBonds ETFs, targeting specific maturity dates for corporate and municipal bonds, indicating a focus on fixed income strategies.
• Arrow Financial Corp also holds shares in its own company, valued at $58,605,054, representing 1,866,403 shares.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a routine, mandatory disclosure of investment holdings, providing transparency without indicating positive or negative operational performance for Arrow Financial Corp itself. The sentiment is neutral as it's a factual report.

Positives

• The reported total investment value of over $1 billion demonstrates a significant scale of assets under management by Arrow Financial Corp.
• The portfolio exhibits broad diversification across various sectors, including technology, financials, consumer goods, and industrials, as well as different asset classes like equities, broad market ETFs, and fixed income instruments (corporate and municipal bonds).
• The inclusion of its own stock, Arrow Financial Corporation, in the portfolio may signal management's confidence in the company's value and future prospects.

Risks

• The filing itself does not detail specific risks for Arrow Financial Corp; however, the value of the disclosed holdings is subject to market fluctuations, interest rate changes, and other inherent investment risks.

Future Outlook

This Form 13F-HR filing is a historical disclosure of investment holdings and does not contain forward-looking statements or guidance from Arrow Financial Corp regarding its future performance or strategic outlook.

Industry Context

StockSavvy.ai notes that 13F filings provide crucial transparency into the investment strategies of large institutional money managers. This disclosure from Arrow Financial Corp offers insights into its asset allocation and sector preferences, reflecting broader market trends and potentially influencing investor sentiment towards specific equities or sectors. The diversified nature of the portfolio, including significant allocations to both growth-oriented tech stocks and more stable ETFs, is a common approach among institutional investors seeking balanced returns.

Comparison to Industry Standards

• The portfolio's significant allocation to large-cap technology companies like Apple, Microsoft, NVIDIA, and Alphabet aligns with a common industry trend among institutional investors seeking exposure to high-growth sectors.
• The substantial investment in broad market ETFs (e.g., S&P 500, Mid-Cap, Small-Cap, Developed Markets) is a standard practice for achieving diversified market exposure and managing passive investment strategies, comparable to many peers in the asset management industry.
• The strategic use of iShares iBonds ETFs with specific maturity dates for corporate and municipal bonds indicates a sophisticated approach to fixed income management, aiming to mitigate interest rate risk and provide predictable income streams, a strategy employed by many conservative institutional funds.
• The inclusion of its own stock, Arrow Financial Corporation, in the portfolio is a common practice for financial institutions, often seen as a vote of confidence in the company's intrinsic value, similar to holdings observed in other bank-affiliated investment managers.

Stakeholder Impact

• Shareholders and potential investors gain transparency into Arrow Financial Corp's investment strategy and portfolio composition, which can inform their assessment of the firm's asset management capabilities.
• Regulatory bodies receive the mandated disclosure of institutional investment holdings, ensuring compliance with SEC regulations.

Key Dates

Keywords

Arrow Financial Corp, 13F-HR, institutional investment, equity holdings, mutual funds, ETF holdings, portfolio disclosure, Q4 2025, asset management, investment strategy