---
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"
generated_at: "2026-05-26T06:48:48.247607+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Arbor Realty Trust Q4 GAAP EPS $0.32 vs $0.48 YoY; declares $0.43 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-006987
- JSON: https://secwatch.observer/filing/0001628280-25-006987.json
- Plain text: https://secwatch.observer/filing/0001628280-25-006987.txt

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