{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-006987","form_type":"8-K","ticker":"ABR","cik":"0001253986","company_name":"ARBOR REALTY TRUST INC","filed_at":"2025-02-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.146342+00:00","generated_at":"2026-05-26T06:48:48.247607+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arbor Realty Trust Q4 GAAP EPS $0.32 vs $0.48 YoY; declares $0.43 dividend","bullets":["Q4 GAAP net income $59.8M ($0.32/diluted) vs $91.7M ($0.48) YoY; full year $223.3M ($1.18) vs $330.1M ($1.75).","Q4 distributable earnings $81.6M ($0.40) vs $104.1M ($0.51) YoY; full year $358.0M ($1.74) vs $452.5M ($2.25).","Declared $0.43 quarterly dividend, payable March 21, 2025 to holders of record March 7, 2025.","Issued $100M of 9.00% senior notes due Oct 2027; debt/equity ratio reduced from 4:1 to 2.8:1.","Non-performing loans at Dec 31: 26 loans, UPB $651.8M (before $23.8M reserves), up from $625.4M Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-006987","json":"https://secwatch.observer/filing/0001628280-25-006987.json","markdown":"https://secwatch.observer/filing/0001628280-25-006987.md","text":"https://secwatch.observer/filing/0001628280-25-006987.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1253986/000162828025006987/0001628280-25-006987-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1253986/000162828025006987/abr-20250221.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T06:48:48.247607+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}