Arbor Realty Trust (NYSE:ABR) Posts Better-Than-Expected Sales In Q4 CY2025

Real estate investment trust Arbor Realty Trust (NYSE:ABR) announced better-than-expected revenue in Q4 CY2025, but sales fell by 12.1% year on year to $133.4 million. Its GAAP profit of $0.07 per share was 49.7% below analysts’ consensus estimates.

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Company Overview

With roots dating back to 2003 and a focus on the stability of multifamily housing, Arbor Realty Trust (NYSE:ABR) is a specialized lender that provides financing solutions for multifamily and commercial real estate while also originating and servicing government-backed mortgage loans.

Sales Growth

From lending activities to service fees, most banks build their revenue model around two income sources. Interest rate spreads between loans and deposits create the first stream, with the second coming from charges on everything from basic bank accounts to complex investment banking transactions. Unfortunately, Arbor Realty Trust’s 3.3% annualized revenue growth over the last five years was sluggish. This fell short of our benchmark for the banking sector and is a tough starting point for our analysis.

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Arbor Realty Trust’s performance shows it grew in the past but relinquished its gains over the last two years, as its revenue fell by 15.9% annually.

This quarter, Arbor Realty Trust’s revenue fell by 12.1% year on year to $133.4 million but beat Wall Street’s estimates by 10.3%.

Net interest income made up 53.8% of the company’s total revenue during the last five years, meaning Arbor Realty Trust’s growth drivers strike a balance between lending and non-lending activities.

Net interest income commands greater market attention due to its reliability and consistency, whereas non-interest income is often seen as lower-quality revenue that lacks the same dependable characteristics.

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Key Takeaways from Arbor Realty Trust’s Q4 Results

We were impressed by how significantly Arbor Realty Trust blew past analysts’ revenue expectations this quarter. We were also glad its net interest income outperformed Wall Street’s estimates. On the other hand, its EPS missed. Overall, this print was mixed. The stock remained flat at $7.27 immediately following the results.

Big picture, is Arbor Realty Trust a buy here and now? We think that the latest quarter is only one piece of the longer-term business quality puzzle. Quality, when combined with valuation, can help determine if the stock is a buy. We cover that in our actionable full research report which you can read here (it’s free).