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Arbor Realty Trust
Arbor Realty Trust (ABR) investor relations material
Arbor Realty Trust Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
Focused on resolving non-performing and sub-performing loans to restore income and reduce earnings drag, with a clear path to resolve most over the next few quarters.
Ended 2025 with $570M in delinquencies and $500M in REO assets, totaling $1.1B in non-performing assets, down $130M (11%) from last quarter.
Reported Q4 2025 GAAP net income of $0.07 per diluted share and full-year net income of $0.56 per diluted share, both down significantly year-over-year.
Distributable earnings for Q4 were $0.22 per share (excluding realized losses), with annual distributable earnings over $200M despite significant non-interest earning asset drag.
Repurchased $20M of stock at 64% of book value between December 2025 and February 2026; $120M remains in buyback plan.
Financial highlights
Q4 distributable earnings: $46.3M or $0.22 per share (excluding $12.4M in one-time realized losses); full-year distributable earnings: $223.6M, down from $358.0M in 2024.
Q4 net income was $14.6M, down from $59.8M in Q4 2024; full-year net income was $107.4M, down from $223.3M in 2024.
Q4 interest income was $236.0M and interest expense was $180.3M.
Agency platform Q4 originations: $1.6B; full-year agency originations: $5B, up 13.5% year-over-year.
Servicing portfolio grew 8% to $36.2B, generating $120M+ in annual gross income.
Outlook and guidance
Expect to resolve $100M-$150M of delinquencies by end of March and another $100M-$150M in the following 90 days.
Targeting REO assets of $250M-$300M by end of 2026, even after taking back $100M-$200M in new REO.
Anticipate similar origination volumes in 2026, with agency, SFR, and construction lending platforms expected to remain strong.
Servicing fee compression expected to bottom out by year-end 2026.
Management highlighted continued liquidity generation and balance sheet improvements.
Pace of NPA resolution and earnings uplift
Dividend sustainability given Q1 low watermark?
SFR build-to-rent credit performance
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Next Arbor Realty Trust earnings date
Q1 20261 May, 2026
Arbor Realty Trust
Next Arbor Realty Trust earnings date
Q1 20261 May, 2026
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Frequently asked questions
Arbor Realty Trust, Inc. invests in a range of structured finance assets in the multifamily and commercial real estate markets, as well as the related credit investments. It operates in two segments, Structured Business and Agency Business. The Structured Business segment primarily invests in bridge and mezzanine loans related to multifamily properties.
The Agency Business segment invests in investment-grade, agency asset-backed securities issued by government-sponsored enterprises primarily collateralized by fixed-rate multifamily mortgage loans. Arbor Realty Trust, Inc. was incorporated in 2003 and is headquartered in Uniondale, New York.
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