# ARROW FINANCIAL CORP (AROW) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from ARROW FINANCIAL CORP's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/AROW/mda/fy2025/): filed 2026-03-06; accession 0000717538-26-000037 (https://www.sec.gov/Archives/edgar/data/717538/000071753826000037/arow-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/AROW/mda/fy2024/): filed 2025-03-14; accession 0000717538-25-000023 (https://www.sec.gov/Archives/edgar/data/717538/000071753825000023/arow-20241231.htm)
- [FY 2023 MD&A](/company/AROW/mda/fy2023/): filed 2024-03-11; accession 0000717538-24-000047 (https://www.sec.gov/Archives/edgar/data/717538/000071753824000047/arow-20231231.htm)
- [FY 2022 MD&A](/company/AROW/mda/fy2022/): filed 2023-07-18; accession 0000717538-23-000132 (https://www.sec.gov/Archives/edgar/data/717538/000071753823000132/arow-20221231.htm)
- [FY 2021 MD&A](/company/AROW/mda/fy2021/): filed 2022-03-11; accession 0000717538-22-000081 (https://www.sec.gov/Archives/edgar/data/717538/000071753822000081/arow-20211231.htm)

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