Jade Rahmani

Steven Delaney

Crispin Love

Richard Shane

Leon Cooperman

Stephen Laws

Rick Shane

- ABR reported **distributable earnings of $73 million or $0.35 per share** for Q3 2025.  **[0001253986_2221500_4]** 
- Delinquencies rose to **$750 million at September 30, 2025**, from $529 million at June 30, 2025, reflecting peak stress in the cycle.  **[0001253986_2221500_4]** **[0001253986_2221500_10]** 
- The company is aggressively resolving legacy assets, utilizing a **large gain from the Lexford investment** to accelerate resolutions without materially impacting book value, with this process expected to cause some quarterly earnings fluctuations over the next few quarters.  **[0001253986_2221500_2]** **[0001253986_2221500_4]** 
- ABR committed to paying its **current quarterly dividend for the balance of 2025** and anticipates **drastic improvements to its earnings run rate in Q1 and Q2 2026**, potentially leading to a dividend increase in 2026.  **[0001253986_2221500_2]** **[0001253986_2221500_10]** **[0001253986_2221500_13]**

ABR Reports Q3 2025 Earnings and Strategic Asset Resolution Plan

- Arbor Realty Trust reported **GAAP net income of $0.20** and **distributable earnings of $0.35** per diluted common share for the third quarter ended September 30, 2025, and declared a **cash dividend of $0.30 per share** on common stock.  **[1253986_52c001e2690040beb85101306eeb7855_0]** **[1253986_52c001e2690040beb85101306eeb7855_1]** **[1253986_52c001e2690040beb85101306eeb7855_7]** 
- The company recognized a **$48.0 million cash gain** from an equity investment and generated approximately **$360 million of liquidity** through initiatives including closing a **$1.05 billion** collateralized securitization vehicle and issuing **$500.0 million** of senior unsecured notes.  **[1253986_52c001e2690040beb85101306eeb7855_0]** **[1253986_52c001e2690040beb85101306eeb7855_4]** 
- The servicing portfolio increased **4%** from the last quarter to **~$35.17 billion**, with agency loan originations reaching **$1.98 billion**, marking its strongest quarter since 4Q20.  **[1253986_52c001e2690040beb85101306eeb7855_0]**

Arbor Realty Trust Reports Third Quarter 2025 Results and Declares Dividend

- Arbor Realty Trust reported **GAAP net income of $0.20** and **distributable earnings of $0.35** per diluted common share for the third quarter ended September 30, 2025, and declared a quarterly cash dividend of **$0.30 per share**.  **[1253986_0001253986-25-000021_abr-09302025xearningsrelea.htm:0]** 
- The servicing portfolio increased by **4%** from the previous quarter to approximately **$35.17 billion** at September 30, 2025, with agency loan originations of **$1.98 billion**.  **[1253986_0001253986-25-000021_abr-09302025xearningsrelea.htm:0]** **[1253986_0001253986-25-000021_abr-09302025xearningsrelea.htm:1]** 
- The company generated approximately **$360 million of liquidity** through a **$1.05 billion collateralized securitization vehicle** and the issuance of **$500.0 million of 7.875% senior unsecured notes** due 2030.  **[1253986_0001253986-25-000021_abr-09302025xearningsrelea.htm:0]** **[1253986_0001253986-25-000021_abr-09302025xearningsrelea.htm:4]**

ARBOR REALTY TRUST (ABR)