Arbor Realty Trust (ABR) Financials

$5.20 +0.04 (+0.68%)

Closing price 06/12/2026 03:59 PM Eastern

Extended Trading

$5.22 +0.02 (+0.38%)

As of 06/12/2026 07:57 PM Eastern

Annual Income Statements for Arbor Realty Trust

This table shows Arbor Realty Trust's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	46	43	66	108	121	163	317	285	330	223	107
Consolidated Net Income / (Loss)	53	62	98	148	155	196	378	354	401	284	158
Net Income / (Loss) Continuing Operations	53	60	90	153	163	196	381	359	402	284	161
Total Pre-Tax Income	53	48	107	162	167	164	389	362	405	288	138
Total Revenue	112	147	257	331	349	431	587	619	721	622	510
Net Interest Income / (Expense)	65	55	66	98	130	170	254	391	428	363	238
Total Interest Income	115	116	156	252	316	339	466	948	1,331	1,168	238
Investment Securities Interest Income	107	116	156	252	316	339	466	948	1,331	1,168	940
Other Interest Income	7.88	-	-	-	-	-	-	-	-	-	-702
Total Interest Expense	50	64	90	154	186	169	212	558	903	805	0.00
Total Non-Interest Income	47	95	190	233	220	264	333	228	293	259	272
Service Charges on Deposit Accounts	-	45	-	99	91	-	-	69	70	51	55
Other Service Charges	0.27	1.04	0.69	2.21	1.18	228	213	-18	7.67	8.08	15
Net Realized & Unrealized Capital Gains on Investments	19	25	73	76	64	33	120	82	79	66	72
Other Non-Interest Income	28	24	117	56	64	-	-	94	136	133	131
Total Non-Interest Expense	71	99	150	169	182	270	198	257	316	334	373
Salaries and Employee Benefits	18	39	92	110	122	144	172	162	160	182	174
Net Occupancy & Equipment Expense	-	14	10	10	10	4.90	0.72	2.14	5.90	7.39	28
Other Operating Expenses	48	32	37	35	40	113	18	84	140	135	127
Depreciation Expense	5.44	5.02	7.39	7.45	7.51	7.64	7.22	8.73	9.74	9.56	23
Impairment Charge	-	11	3.20	2.00	1.00	-	-	-	-	-	21
Income Tax Expense	-	0.83	13	9.73	15	40	46	17	27	13	19
Other Gains / (Losses), net	-	13	-2.95	1.20	11	76	38	14	24	9.59	42
Other Adjustments to Consolidated Net Income / (Loss)	-	-	7.12	-5.04	-7.44	-	-3.37	-4.93	-1.56	-0.41	-2.92
Preferred Stock Dividends Declared	7.55	7.55	7.55	7.55	7.55	7.55	22	41	41	41	41
Net Income / (Loss) Attributable to Noncontrolling Interest	-	12	24	32	27	25	39	28	29	19	9.03
Basic Earnings per Share	$0.90	$0.83	$1.14	$1.54	$1.30	$1.44	$2.30	$1.72	$1.79	$1.18	$0.56
Weighted Average Basic Shares Outstanding	50.86M	51.31M	57.89M	70.21M	92.85M	113.81M	137.83M	165.36M	184.64M	188.70M	192.96M
Diluted Earnings per Share	$0.90	$0.83	$1.12	$1.50	$1.27	$1.41	$2.28	$1.67	$1.75	$1.18	$0.56
Weighted Average Diluted Shares Outstanding	51.01M	51.73M	80.31M	93.64M	116.19M	133.97M	156.09M	199.11M	218.84M	205.53M	209.73M
Weighted Average Basic & Diluted Shares Outstanding	51M	51.60M	57.80M	85.36M	111.25M	123.92M	152.11M	179.82M	188.51M	189.51M	193.12M
Cash Dividends to Common per Share	$0.58	-	-	-	$0.00	-	-	-	-	$1.72	$1.33

This table shows Arbor Realty Trust's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	78	92	58	47	58	60	30	24	38	15	0.63
Consolidated Net Income / (Loss)	95	110	73	62	74	75	43	36	52	26	11
Net Income / (Loss) Continuing Operations	95	110	73	62	74	75	46	36	52	27	11
Total Pre-Tax Income	100	114	75	60	76	78	54	39	14	32	11
Total Revenue	177	189	161	153	157	152	134	130	112	133	117
Net Interest Income / (Expense)	107	104	104	88	89	83	75	69	38	56	60
Total Interest Income	336	331	321	297	287	263	241	240	223	-466	235
Investment Securities Interest Income	336	331	321	297	287	263	241	240	223	236	235
Total Interest Expense	229	227	218	209	198	180	165	172	185	-522	175
Long-Term Debt Interest Expense	229	227	218	209	198	180	165	172	185	-	175
Total Non-Interest Income	69	85	57	65	68	69	59	62	74	78	58
Other Service Charges	0.17	209	2.33	2.08	2.54	138	4.42	3.99	3.65	2.74	46
Net Realized & Unrealized Capital Gains on Investments	18	26	11	17	19	18	16	14	21	21	12
Total Non-Interest Expense	76	75	85	94	81	74	80	92	98	102	107
Salaries and Employee Benefits	40	36	48	43	45	46	46	41	44	43	48
Net Occupancy & Equipment Expense	1.48	1.67	1.68	1.58	1.69	2.45	3.47	6.80	7.30	10	12
Other Operating Expenses	33	34	33	47	33	23	27	38	42	20	27
Depreciation Expense	2.29	2.45	2.57	2.42	1.94	2.62	3.74	5.85	5.36	8.27	7.10
Impairment Charge	-	-	-	-	-	-	-	-	-	-	13
Income Tax Expense	5.85	7.91	3.59	3.90	5.23	0.75	3.59	3.40	7.59	4.20	2.09
Other Gains / (Losses), net	0.81	3.59	1.42	6.61	3.18	-1.62	-4.44	1.21	46	-0.68	2.28
Preferred Stock Dividends Declared	10	10	10	10	10	10	10	10	10	10	10
Net Income / (Loss) Attributable to Noncontrolling Interest	6.79	7.92	5.00	4.09	5.03	5.16	2.60	2.02	3.21	1.21	0.05
Basic Earnings per Share	$0.42	$0.48	$0.31	$0.25	$0.31	$0.31	$0.16	$0.12	$0.20	$0.08	$0.00
Weighted Average Basic Shares Outstanding	187.02M	184.64M	188.71M	188.66M	188.51M	188.70M	190.06M	192.24M	193.75M	192.96M	194.19M
Diluted Earnings per Share	$0.41	$0.47	$0.31	$0.25	$0.31	$0.31	$0.16	$0.12	$0.20	$0.08	$0.00
Weighted Average Diluted Shares Outstanding	221.33M	218.84M	222.93M	205.49M	205.35M	205.53M	206.86M	209.00M	210.52M	209.73M	211.74M
Weighted Average Basic & Diluted Shares Outstanding	188.50M	188.51M	188.51M	188.55M	188.61M	189.51M	192.16M	192.30M	195.71M	193.12M	192.36M
Cash Dividends to Common per Share	$0.43	-	$0.43	$0.43	$0.43	-	$0.43	$0.30	$0.30	-	$0.30

This table details how cash moves in and out of Arbor Realty Trust's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	138	-69	76	97	170	26	354	357	289	-877	-110
Net Cash From Operating Activities	36	-199	460	-38	-227	55	217	1,100	236	462	372
Net Cash From Continuing Operating Activities	36	-199	460	-38	-227	55	217	1,100	236	462	372
Net Income / (Loss) Continuing Operations	53	62	98	148	155	196	378	354	401	284	158
Consolidated Net Income / (Loss)	53	62	98	148	155	196	378	354	401	284	158
Provision For Loan Losses	4.47	2.10	-0.72	12	1.15	76	-27	23	89	80	67
Depreciation Expense	5.44	5.02	7.39	7.45	7.51	7.64	7.22	8.73	9.74	9.56	23
Amortization Expense	1.58	26	52	57	54	52	56	46	59	68	86
Non-Cash Adjustments to Reconcile Net Income	-31	-287	306	-252	-432	-284	-121	712	-249	90	27
Changes in Operating Assets and Liabilities, net	2.63	-7.07	-1.95	-11	-12	6.94	-76	-44	-74	-70	12
Net Cash From Investing Activities	25	-197	-907	-682	-995	-1,157	-6,750	-2,317	1,879	1,152	-1,281
Net Cash From Continuing Investing Activities	25	-197	-907	-682	-995	-1,157	-6,750	-2,317	1,879	1,152	-1,281
Purchase of Investment Securities	-1,008	-940	-1,897	-1,596	-2,746	-2,415	-9,311	-6,000	-1,381	-1,624	-3,746
Divestitures	-	-	4.67	3.12	0.21	0.00	34	26	16	11	24
Sale and/or Maturity of Investments	1,028	731	961	963	1,766	1,273	2,512	3,840	3,364	2,796	2,422
Other Investing Activities, net	4.88	12	24	-52	-15	-14	15	-183	-120	-32	19
Net Cash From Financing Activities	77	326	523	817	1,391	1,128	6,888	1,574	-1,826	-2,490	799
Net Cash From Continuing Financing Activities	77	326	523	817	1,391	1,128	6,888	1,574	-1,826	-2,490	799
Issuance of Debt	1,277	4,259	9,361	9,997	10,517	13,978	20,581	14,736	9,243	9,490	15,286
Issuance of Common Equity	-	-	76	156	260	184	515	409	194	10	71
Repayment of Debt	-1,157	-3,880	-8,825	-9,203	-9,204	-12,782	-14,323	-13,267	-10,827	-11,559	-14,176
Repurchase of Common Equity	-	-	-	-10	-12	-22	-34	0.00	-37	-11	-2.01
Payment of Dividends	-37	-46	-65	-96	-139	-173	-227	-322	-381	-395	-320
Other Financing Activities, Net	-6.23	-6.02	-24	-27	-32	-57	-87	-59	-18	-26	-60
Cash Interest Paid	44	53	76	119	168	145	176	487	861	782	666

This table details how cash moves in and out of Arbor Realty Trust's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	71	223	-83	-499	-88	-207	-311	-2.72	200	3.88	250
Net Cash From Operating Activities	57	77	260	70	85	47	151	60	179	-17	-8.27
Net Cash From Continuing Operating Activities	57	77	260	70	85	47	151	60	179	-17	-8.27
Net Income / (Loss) Continuing Operations	95	110	73	62	74	75	43	36	52	26	11
Consolidated Net Income / (Loss)	95	110	73	62	74	75	43	36	52	26	11
Provision For Loan Losses	20	22	19	34	19	7.64	11	23	28	4.92	10
Depreciation Expense	2.29	2.45	2.57	2.42	1.94	2.62	3.74	5.85	5.36	8.27	7.10
Amortization Expense	15	16	17	15	17	19	21	21	21	22	21
Non-Cash Adjustments to Reconcile Net Income	111	-208	226	-29	10	-118	125	-52	31	-78	-20
Changes in Operating Assets and Liabilities, net	-186	135	-78	-14	-37	60	-54	25	41	-0.74	-38
Net Cash From Investing Activities	391	460	332	386	228	206	-315	-207	-206	-553	58
Net Cash From Continuing Investing Activities	391	460	332	386	228	206	-315	-207	-206	-553	58
Purchase of Investment Securities	-194	-318	-323	-305	-305	-691	-745	-760	-961	-1,280	-843
Divestitures	3.50	-	0.07	11	-	-	0.97	6.94	16	-	0.00
Sale and/or Maturity of Investments	668	820	670	690	528	908	419	543	740	719	894
Other Investing Activities, net	-87	-41	-16	-9.29	4.54	-12	10	2.44	-0.77	7.16	6.98
Net Cash From Financing Activities	-376	-315	-674	-955	-401	-460	-147	145	226	574	200
Net Cash From Continuing Financing Activities	-376	-315	-674	-955	-401	-460	-147	145	226	574	200
Issuance of Debt	2,126	2,573	1,865	2,689	2,149	2,787	2,714	2,892	5,036	4,644	3,127
Issuance of Common Equity	84	0.00	0.00	-	-	10	29	1.59	40	-	0.00
Repayment of Debt	-2,484	-2,787	-2,433	-3,529	-2,447	-3,149	-2,782	-2,661	-4,751	-3,982	-2,813
Repurchase of Common Equity	-	0.00	-	-11	-	-	0.00	-	-	-2.01	-31
Payment of Dividends	-98	-99	-99	-99	-99	-99	-99	-73	-73	-74	-73
Other Financing Activities, Net	-4.85	-2.13	-7.44	-4.62	-4.49	-9.25	-8.62	-15	-25	-12	-9.43
Cash Interest Paid	228	207	210	204	198	170	164	161	174	165	166
Cash Income Taxes Paid	12	7.21	0.57	16	7.60	5.08	0.86	10	6.61	-	0.13

This table presents Arbor Realty Trust's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,827	2,971	3,626	4,612	6,239	7,661	15,074	17,039	15,739	13,491	14,495
Cash and Due from Banks	189	139	104	160	300	340	405	534	929	504	483
Restricted Cash	48	29	139	181	211	197	487	714	608	156	67
Trading Account Securities	2.02	-	28	76	89	96	140	157	155	157	156
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	-	673	297	482	861	987	1,094	354	552	436	409
Customer and Other Receivables	8.08	1.47	0.69	1.29	11	12	84	77	64	13	6.53
Mortgage Servicing Rights	1,450	1,696	2,579	3,200	4,190	5,286	11,981	14,255	12,378	11,034	11,934
Intangible Assets	-	97	122	116	111	105	101	96	91	88	87
Other Assets	69	315	339	381	454	638	782	852	961	1,103	1,352
Total Liabilities & Shareholders' Equity	1,827	2,971	3,626	4,612	6,239	7,661	15,074	17,039	15,739	13,491	14,495
Total Liabilities	1,262	2,224	2,761	3,547	4,883	6,178	12,524	13,967	12,484	10,339	11,428
Long-Term Debt	1,208	2,132	2,662	3,428	4,736	5,978	12,209	13,619	12,100	10,054	11,146
Other Long-Term Liabilities	54	92	100	119	147	200	314	348	384	285	281
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	565	747	865	1,066	1,356	1,483	2,550	3,072	3,255	3,152	3,067
Total Preferred & Common Equity	565	587	696	895	1,185	1,344	2,418	2,937	3,118	3,024	2,953
Preferred Stock	89	90	90	90	90	89	556	634	634	634	634
Total Common Equity	476	498	606	806	1,095	1,255	1,862	2,303	2,484	2,390	2,320
Common Stock	617	622	708	880	1,156	1,318	1,799	2,206	2,369	2,377	2,456
Retained Earnings	-136	-125	-102	-74	-61	-63	63	97	115	13	-137
Noncontrolling Interest	-	160	169	170	171	138	132	135	137	128	114

This table presents Arbor Realty Trust's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	17,762	16,588	16,158	15,903	15,105	14,197	13,881	13,367	13,563	13,887	14,692
Cash and Due from Banks	390	775	846	895	908	737	688	309	256	423	407
Restricted Cash	923	705	397	419	547	218	180	41	91	123	394
Trading Account Securities	158	154	155	155	155	156	156	159	157	156	155
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	544	470	485	364	323	343	326	315	361	319	443
Customer and Other Receivables	25	113	73	212	104	105	97	9.61	17	30	35
Mortgage Servicing Rights	14,791	13,431	13,271	12,893	12,002	11,604	11,293	11,216	11,333	11,430	11,835
Intangible Assets	97	95	94	93	90	89	89	88	87	87	86
Other Assets	835	846	836	872	976	944	926	1,232	1,261	1,318	1,336
Total Liabilities & Shareholders' Equity	17,762	16,588	16,158	15,903	15,105	14,197	13,881	13,367	13,563	13,887	14,692
Total Liabilities	14,808	13,431	12,998	12,662	11,871	11,011	10,718	10,238	10,469	10,772	11,713
Long-Term Debt	14,499	13,113	12,607	12,339	11,537	10,627	10,387	9,997	10,214	10,491	11,466
Other Long-Term Liabilities	310	318	391	323	334	383	296	241	255	281	247
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,954	3,157	3,160	3,241	3,234	3,187	3,163	3,129	3,094	3,115	2,979
Total Preferred & Common Equity	2,821	3,022	3,024	3,105	3,100	3,055	3,034	3,008	2,975	2,997	2,870
Preferred Stock	634	634	634	634	634	634	634	634	634	634	634
Total Common Equity	2,187	2,388	2,390	2,471	2,466	2,421	2,400	2,374	2,341	2,364	2,236
Common Stock	2,108	2,280	2,282	2,366	2,374	2,363	2,365	2,412	2,414	2,456	2,430
Retained Earnings	80	108	108	105	92	58	35	-39	-73	-92	-194
Noncontrolling Interest	133	136	136	136	135	132	130	122	119	117	109

This table displays calculated financial ratios and metrics derived from Arbor Realty Trust's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.90	$0.83	$1.14	$1.54	$1.30	$1.44	$2.30	$1.72	$1.79	$1.18	$0.56
Adjusted Weighted Average Basic Shares Outstanding	50.86M	51.31M	57.89M	70.21M	92.85M	113.81M	137.83M	165.36M	184.64M	188.70M	192.96M
Adjusted Diluted Earnings per Share	$0.90	$0.83	$1.12	$1.50	$1.27	$1.41	$2.28	$1.67	$1.75	$1.18	$0.56
Adjusted Weighted Average Diluted Shares Outstanding	51.01M	51.73M	80.31M	93.64M	116.19M	133.97M	156.09M	199.11M	218.84M	205.53M	209.73M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$1.30	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	50.96M	51.40M	61.72M	85.36M	111.25M	123.92M	152.11M	179.82M	188.51M	189.51M	193.12M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

This table displays calculated financial ratios and metrics derived from Arbor Realty Trust's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	193,115,316.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	193,115,316.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.06
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	31.50%	-4.75%	-11.57%	-11.89%	-11.34%	-19.68%	-16.49%	-14.82%	-28.23%	-	-12.50%
EBITDA Growth	29.25%	0.69%	-16.89%	-30.62%	-19.42%	-24.89%	-17.27%	-14.65%	-57.31%	-	-49.72%
EBIT Growth	30.08%	-2.33%	-21.43%	-37.04%	-24.71%	-31.99%	-28.72%	-35.34%	-81.53%	-	-79.84%
NOPAT Growth	21.91%	-4.47%	-18.34%	-37.50%	-25.58%	-27.64%	-30.15%	-36.91%	-90.95%	-	-82.55%
Net Income Growth	20.24%	2.99%	-28.40%	-33.75%	-22.63%	-31.47%	-40.74%	-41.28%	-29.27%	-	-74.59%
EPS Growth	13.89%	-6.00%	-32.61%	-39.02%	-24.39%	-34.04%	-48.39%	-52.00%	-35.48%	-	-100.00%
Operating Cash Flow Growth	22.61%	-73.26%	557.79%	-55.85%	48.83%	-39.51%	-42.09%	-14.13%	110.38%	-	-105.50%
Free Cash Flow Firm Growth	136.00%	179.26%	1,087.58%	28.89%	6.71%	54.23%	7.90%	-73.05%	-102.34%	-	-177.28%
Invested Capital Growth	-10.73%	-8.01%	-9.21%	-12.38%	-13.03%	-13.99%	-11.13%	-3.66%	0.41%	-	10.04%
Revenue Q/Q Growth	1.68%	6.90%	-14.95%	-4.70%	2.32%	-3.15%	-11.57%	-2.80%	-13.79%	-	-12.00%
EBITDA Q/Q Growth	5.80%	12.75%	-28.56%	-18.59%	22.89%	5.09%	-21.32%	-16.01%	-38.54%	-	-36.86%
EBIT Q/Q Growth	6.18%	13.78%	-34.02%	-21.02%	26.98%	2.77%	-30.84%	-28.35%	-63.74%	-	-65.72%
NOPAT Q/Q Growth	6.22%	12.45%	-32.48%	-22.50%	26.47%	9.35%	-34.83%	-30.00%	-81.86%	-	-68.08%
Net Income Q/Q Growth	1.85%	15.64%	-33.40%	-15.54%	18.94%	2.43%	-42.41%	-16.30%	43.26%	-	-57.80%
EPS Q/Q Growth	0.00%	14.63%	-34.04%	-19.35%	24.00%	0.00%	-48.39%	-25.00%	66.67%	-	-100.00%
Operating Cash Flow Q/Q Growth	-63.96%	35.16%	236.04%	-73.10%	21.49%	-45.06%	222.57%	-60.11%	197.64%	-	51.17%
Free Cash Flow Firm Q/Q Growth	26.30%	-26.68%	10.97%	27.84%	4.56%	5.98%	-23.84%	-68.07%	-109.09%	-	-33.65%
Invested Capital Q/Q Growth	-1.19%	-1.44%	-3.97%	-6.48%	-1.91%	-2.54%	-0.60%	1.38%	2.24%	-	1.63%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	66.43%	70.06%	58.85%	50.27%	60.38%	65.52%	58.30%	50.37%	35.91%	-	33.50%
EBIT Margin	56.83%	60.49%	46.92%	38.89%	48.26%	51.21%	40.05%	29.52%	12.42%	-	9.23%
Profit (Net Income) Margin	53.80%	58.20%	45.57%	40.39%	46.95%	49.65%	32.34%	27.84%	46.27%	-	9.39%
Tax Burden Percent	94.66%	96.21%	97.12%	103.85%	97.28%	96.95%	80.73%	94.31%	372.58%	-	101.75%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-	100.00%
Effective Tax Rate	5.83%	6.92%	4.76%	6.55%	6.92%	0.97%	6.68%	8.83%	54.39%	-	19.25%
Return on Invested Capital (ROIC)	2.37%	2.53%	2.02%	1.67%	2.03%	2.21%	1.60%	1.14%	0.22%	-	0.27%
ROIC Less NNEP Spread (ROIC-NNEP)	2.37%	2.56%	2.03%	1.72%	2.06%	2.19%	1.53%	1.15%	0.66%	-	0.29%
Return on Net Nonoperating Assets (RNNOA)	10.27%	10.41%	7.82%	6.31%	7.32%	7.59%	5.19%	3.81%	2.19%	-	1.01%
Return on Equity (ROE)	12.64%	12.95%	9.83%	7.98%	9.35%	9.80%	6.78%	4.95%	2.41%	-	1.28%
Cash Return on Invested Capital (CROIC)	13.66%	10.70%	11.99%	15.42%	16.02%	16.97%	13.60%	5.45%	0.83%	-	-9.00%
Operating Return on Assets (OROA)	2.47%	2.66%	2.07%	1.74%	2.14%	2.18%	1.68%	1.22%	0.47%	-	0.32%
Return on Assets (ROA)	2.33%	2.56%	2.01%	1.81%	2.08%	2.11%	1.35%	1.15%	1.76%	-	0.33%
Return on Common Equity (ROCE)	9.50%	9.80%	7.47%	6.05%	7.11%	7.46%	5.16%	3.75%	1.83%	-	0.97%
Return on Equity Simple (ROE_SIMPLE)	12.80%	0.00%	11.99%	11.13%	10.50%	0.00%	8.45%	7.68%	6.91%	-	4.37%
Net Operating Profit after Tax (NOPAT)	95	106	72	56	70	77	50	35	6.37	-	8.75
NOPAT Margin	53.52%	56.30%	44.69%	36.34%	44.92%	50.72%	37.38%	26.92%	5.66%	-	7.45%
Net Nonoperating Expense Percent (NNEP)	0.00%	-0.03%	-0.01%	-0.05%	-0.03%	0.01%	0.06%	-0.01%	-0.44%	-	-0.02%
SG&A Expenses to Revenue	23.37%	20.09%	30.73%	29.01%	29.73%	32.12%	36.90%	36.79%	45.78%	-	50.81%
Operating Expenses to Revenue	43.17%	39.51%	53.08%	61.11%	51.74%	48.79%	59.95%	70.48%	87.58%	-	90.77%
Earnings before Interest and Taxes (EBIT)	100	114	75	60	76	78	54	39	14	-	11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	117	132	95	77	95	99	78	66	40	-	39
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.01	1.02	0.95	1.08	1.22	1.09	0.94	0.88	0.99	-	0.67
Price to Tangible Book Value (P/TBV)	1.05	1.06	0.99	1.12	1.27	1.13	0.97	0.91	1.03	-	0.69
Price to Revenue (P/Rev)	3.42	3.51	3.36	3.86	4.45	4.20	3.74	3.59	4.44	-	3.02
Price to Earnings (P/E)	7.65	7.67	7.74	9.54	11.50	11.70	11.37	11.93	15.38	-	19.18
Dividend Yield	15.31%	15.49%	16.93%	12.37%	11.05%	12.42%	14.64%	14.86%	11.96%	-	15.56%
Earnings Yield	13.08%	13.04%	12.92%	10.49%	8.70%	8.55%	8.80%	8.38%	6.50%	-	5.21%
Enterprise Value to Invested Capital (EV/IC)	0.92	0.90	0.89	0.95	0.98	0.97	0.96	0.95	0.96	-	0.89
Enterprise Value to Revenue (EV/Rev)	19.57	19.23	18.86	19.22	20.05	20.52	21.20	22.13	24.67	-	26.13
Enterprise Value to EBITDA (EV/EBITDA)	30.18	29.22	29.00	31.00	33.17	34.93	36.17	37.52	45.98	-	62.10
Enterprise Value to EBIT (EV/EBIT)	35.04	34.22	34.32	37.35	40.69	44.30	47.38	51.63	70.93	-	135.91
Enterprise Value to NOPAT (EV/NOPAT)	37.33	36.69	36.49	39.77	43.46	46.47	49.90	54.51	77.38	-	166.15
Enterprise Value to Operating Cash Flow (EV/OCF)	31.95	58.78	23.89	28.14	26.86	27.67	35.87	37.04	29.92	-	60.39
Enterprise Value to Free Cash Flow (EV/FCFF)	6.34	8.09	7.09	5.73	5.66	5.27	6.66	17.16	115.42	-	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.81	3.72	3.57	3.34	3.28	3.19	3.19	3.30	3.37	-	3.85
Long-Term Debt to Equity	3.81	3.72	3.57	3.34	3.28	3.19	3.19	3.30	3.37	-	3.85
Financial Leverage	4.33	4.07	3.86	3.66	3.55	3.46	3.38	3.32	3.33	-	3.51
Leverage Ratio	5.43	5.18	4.96	4.78	4.65	4.56	4.47	4.42	4.42	-	4.59
Compound Leverage Factor	5.43	5.18	4.96	4.78	4.65	4.56	4.47	4.42	4.42	-	4.59
Debt to Total Capital	79.20%	78.80%	78.10%	76.93%	76.65%	76.13%	76.16%	76.75%	77.11%	-	79.38%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Long-Term Debt to Total Capital	79.20%	78.80%	78.10%	76.93%	76.65%	76.13%	76.16%	76.75%	77.11%	-	79.38%
Preferred Equity to Total Capital	4.07%	4.13%	4.29%	4.59%	4.68%	4.80%	4.83%	4.76%	4.66%	-	4.39%
Noncontrolling Interests to Total Capital	0.87%	0.89%	0.91%	0.95%	0.96%	0.97%	0.93%	0.90%	0.86%	-	0.75%
Common Equity to Total Capital	15.86%	16.18%	16.69%	17.53%	17.71%	18.10%	18.08%	17.59%	17.37%	-	15.48%
Debt to EBITDA	26.06	25.51	25.35	25.23	26.07	27.51	28.63	30.23	36.98	-	55.21
Net Debt to EBITDA	23.28	22.27	22.15	22.96	23.89	25.70	27.63	29.20	35.06	-	51.36
Long-Term Debt to EBITDA	26.06	25.51	25.35	25.23	26.07	27.51	28.63	30.23	36.98	-	55.21
Debt to NOPAT	32.23	32.02	31.90	32.37	34.15	36.60	39.50	43.92	62.24	-	147.72
Net Debt to NOPAT	28.80	27.96	27.87	29.46	31.30	34.19	38.12	42.43	59.00	-	137.40
Long-Term Debt to NOPAT	32.23	32.02	31.90	32.37	34.15	36.60	39.50	43.92	62.24	-	147.72
Noncontrolling Interest Sharing Ratio	24.80%	24.32%	24.06%	24.19%	23.94%	23.91%	23.95%	24.17%	24.12%	-	24.53%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	1,968	1,443	1,571	2,008	2,100	2,225	1,695	541	-49	-	-1,310
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Free Cash Flow to Firm to Interest Expense	8.59	6.34	7.22	9.60	10.62	12.36	10.26	3.15	-0.27	-	-7.48
Operating Cash Flow to Interest Expense	0.25	0.34	1.19	0.33	0.43	0.26	0.91	0.35	0.97	-	-0.05
Operating Cash Flow Less CapEx to Interest Expense	0.25	0.34	1.19	0.33	0.43	0.26	0.91	0.35	0.97	-	-0.05
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	-	0.04
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	15,580	15,354	14,771	13,814	13,550	13,206	13,127	13,308	13,606	-	14,445
Invested Capital Turnover	0.04	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	-	0.04
Increase / (Decrease) in Invested Capital	-1,873	-1,336	-1,499	-1,952	-2,029	-2,148	-1,645	-506	56	-	1,318
Enterprise Value (EV)	14,291	13,864	13,200	13,058	13,217	12,768	12,630	12,676	13,044	-	12,897
Market Capitalization	2,497	2,531	2,349	2,621	2,934	2,612	2,227	2,056	2,348	-	1,489
Book Value per Share	$13.25	$13.18	$13.07	$12.84	$12.73	$12.67	$12.53	$12.18	$12.29	-	$11.58
Tangible Book Value per Share	$12.75	$12.69	$12.59	$12.37	$12.26	$12.21	$12.06	$11.73	$11.84	-	$11.13
Total Capital	15,580	15,354	14,771	13,814	13,550	13,206	13,127	13,308	13,606	-	14,445
Total Debt	12,339	12,100	11,537	10,627	10,387	10,054	9,997	10,214	10,491	-	11,466
Total Long-Term Debt	12,339	12,100	11,537	10,627	10,387	10,054	9,997	10,214	10,491	-	11,466
Net Debt	11,025	10,563	10,082	9,672	9,519	9,394	9,648	9,867	9,945	-	10,665
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Net Nonoperating Expense (NNE)	-0.50	-3.59	-1.42	-6.19	-3.18	1.62	6.76	-1.21	-46	-	-2.28
Net Nonoperating Obligations (NNO)	12,339	12,100	11,537	10,627	10,387	10,054	9,997	10,214	10,491	-	11,466
Total Depreciation and Amortization (D&A)	17	18	19	17	19	22	24	27	26	-	28
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.42	$0.48	$0.31	$0.25	$0.31	$0.31	$0.16	$0.12	$0.20	$0.08	$0.00
Adjusted Weighted Average Basic Shares Outstanding	187.02M	184.64M	188.71M	188.66M	188.51M	188.70M	190.06M	192.24M	193.75M	192.96M	194.19M
Adjusted Diluted Earnings per Share	$0.41	$0.47	$0.31	$0.25	$0.31	$0.31	$0.16	$0.12	$0.20	$0.08	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	221.33M	218.84M	222.93M	205.49M	205.35M	205.53M	206.86M	209.00M	210.52M	209.73M	211.74M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	188.50M	188.51M	188.51M	188.55M	188.61M	189.51M	192.16M	192.30M	195.71M	193.12M	192.36M
Normalized Net Operating Profit after Tax (NOPAT)	95	106	72	56	70	77	50	35	9.77	-	19
Normalized NOPAT Margin	53.52%	56.30%	44.69%	36.34%	44.92%	50.72%	37.38%	26.92%	8.69%	-	16.05%
Pre Tax Income Margin	56.83%	60.49%	46.92%	38.89%	48.26%	51.21%	40.05%	29.52%	12.42%	-	9.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.44	0.50	0.35	0.28	0.38	0.43	0.33	0.22	0.08	-	0.06
NOPAT to Interest Expense	0.41	0.47	0.33	0.27	0.36	0.43	0.30	0.20	0.03	-	0.05
EBIT Less CapEx to Interest Expense	0.44	0.50	0.35	0.28	0.38	0.43	0.33	0.22	0.08	-	0.06
NOPAT Less CapEx to Interest Expense	0.41	0.47	0.33	0.27	0.36	0.43	0.30	0.20	0.03	-	0.05
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	92.99%	95.03%	104.64%	115.85%	123.86%	139.07%	155.67%	161.88%	166.54%	-	234.20%
Augmented Payout Ratio	102.41%	104.37%	112.12%	119.20%	127.44%	143.09%	155.67%	161.88%	166.54%	-	260.30%

Financials Breakdown Chart

Key Financial Trends

Arbor Realty Trust’s latest quarter shows a mixed picture: Q1 2026 was profitable, but earnings and operating cash flow weakened sharply from the prior year, while leverage remains high. The company still has substantial liquidity, and its investment portfolio continues to generate strong interest income, but credit costs and operating pressures are clearly a focus.

Liquidity remains solid. Arbor ended Q1 2026 with about $800.7 million in cash and restricted cash, including $407.1 million in cash and $393.5 million in restricted cash.
Revenue held up in Q1 2026. Total revenue was $117.4 million, supported by $235.0 million of interest income and $57.5 million of non-interest income.
The company stayed profitable. Q1 2026 net income attributable to common shareholders was $629,000, and total net income was $11.0 million.
Cash from investing activities improved. Q1 2026 investing cash flow was positive $58.3 million, helped by $894.0 million of sales/maturities of investments versus $842.6 million of purchases.
Balance sheet equity increased quarter over quarter. Total equity and noncontrolling interests rose to $3.0 billion in Q1 2026 from $3.1 billion in Q3 2025? Actually, on a year-over-year basis it remains relatively stable and still provides a meaningful cushion.
The mortgage servicing rights portfolio remains a major asset. MSRs were $11.8 billion at Q1 2026, keeping this as the dominant asset on the balance sheet.
Interest income and interest expense both remain very large. Arbor continues to operate with a high-volume spread business model, so small changes in funding costs or asset yields can have a big effect on earnings.
Quarterly EPS was effectively flat to very low. Q1 2026 basic and diluted EPS were shown as $0.00, versus $0.08 in Q4 2025, reflecting much weaker common-share profitability after preferred dividends.
Operating cash flow turned negative in Q1 2026. Net cash from operating activities was -$8.3 million, down from -$16.9 million in Q4 2025 but well below the positive $150.5 million in Q1 2025.
Profitability fell sharply from last year. Q1 2026 common-share net income was only $629,000 versus $30.4 million in Q1 2025 and $38.5 million in Q3 2025.
Loan-loss provision increased. Q1 2026 provision for loan losses was $10.4 million, up from $4.9 million in Q4 2025, signaling ongoing credit pressure.
Debt remains heavy. Long-term debt was $11.5 billion at Q1 2026, compared with $14.5 billion in Q3 2024 and $10.0 billion in Q1 2025, leaving the company highly leveraged despite some improvement.
Interest coverage and spreads remain under pressure. Q1 2026 interest income of $235.0 million was offset by $175.2 million of interest expense, leaving net interest income of just $59.8 million before other costs.

Trend summary: Over the last four years, Arbor has generally maintained meaningful revenue and profitability, but the more recent pattern is less favorable. After stronger results in 2023 and early/mid-2024, earnings eased in late 2024 and 2025, and Q1 2026 showed a further drop in common-share profitability and operating cash flow. For retail investors, the key questions are whether credit costs stabilize, whether MSR and spread income can offset funding pressure, and whether leverage can continue to come down without hurting earnings power.

06/14/26 03:13 AM ETAI Generated. May Contain Errors.

Arbor Realty Trust Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Arbor Realty Trust's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Arbor Realty Trust's net income appears to be on an upward trend, with a most recent value of $157.83 million in 2025, rising from $53.43 million in 2015. The previous period was $283.92 million in 2024. View Arbor Realty Trust's forecast to see where analysts expect Arbor Realty Trust to go next.

Over the last 10 years, Arbor Realty Trust's total revenue changed from $112.04 million in 2015 to $510.40 million in 2025, a change of 355.5%.

Arbor Realty Trust's total liabilities were at $11.43 billion at the end of 2025, a 10.5% increase from 2024, and a 805.3% increase since 2015.

In the past 10 years, Arbor Realty Trust's cash and equivalents has ranged from $104.37 million in 2017 to $928.97 million in 2023, and is currently $482.88 million as of their latest financial filing in 2025.

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Financial statements for NYSE:ABR last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Arbor Realty Trust (ABR) Financials

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Arbor Realty Trust (ABR) Financials

Annual Income Statements for Arbor Realty Trust

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