---
schema_version: "secwatch.filing_event.v1"
accession: "0001253986-25-000021"
form_type: "8-K"
ticker: "ABR"
cik: "0001253986"
company_name: "ARBOR REALTY TRUST INC"
filed_at: "2025-10-31T23:59:59+00:00"
generated_at: "2026-05-17T01:04:10.297209+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Arbor Realty Q3 GAAP EPS $0.20 vs $0.31 YoY; distributable earnings $0.35; dividend $0.30

## Summary
- Net income $38.5M ($0.20/diluted share), down from $58.2M ($0.31) YoY; distributable earnings $72.9M ($0.35), vs $88.2M ($0.43).
- Non-performing loans increased to $566.1M UPB (25 loans) from $471.8M (19 loans) at June 30; $183.1M additional loans <60 days past due on non-accrual.
- Agency originations of $1.98B (strongest since Q4 2020); servicing portfolio grew 4% to $35.17B.
- Closed $1.05B collateralized securitization and issued $500M 7.875% senior notes due 2030; used proceeds to repay $287.5M convertible notes.
- Declared quarterly dividend of $0.30 per share, payable Nov 26, 2025 to holders of record Nov 14, 2025.

## SEC filing metadata
- accession: 0001253986-25-000021
- form_type: 8-K
- ticker: ABR
- cik: 0001253986
- company_name: ARBOR REALTY TRUST INC
- filed_at: 2025-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1253986/000125398625000021/0001253986-25-000021-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1253986/000125398625000021/abr-20251031.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001253986-25-000021
- JSON: https://secwatch.observer/filing/0001253986-25-000021.json
- Plain text: https://secwatch.observer/filing/0001253986-25-000021.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.