ARBOR REALTY TRUST INC (ABR) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:ABR • US0389231087

7.6 USD
-0.26 (-3.31%)
At close: Feb 11, 2026
7.64 USD
+0.04 (+0.53%)
After Hours: 2/11/2026, 6:55:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, ABR scores 6 out of 10 in our fundamental rating. ABR was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. ABR has an average financial health and profitability rating. ABR has a bad growth rate and is valued cheaply. With these ratings, ABR could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year ABR was profitable.
  • In the past year ABR had a positive cash flow from operations.
  • In the past 5 years ABR has always been profitable.
  • ABR had a positive operating cash flow in each of the past 5 years.
ABR Yearly Net Income VS EBIT VS OCF VS FCFABR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M 1B

1.2 Ratios

  • ABR has a Return On Assets of 1.10%. This is amongst the best in the industry. ABR outperforms 85.71% of its industry peers.
  • ABR has a better Return On Equity (5.09%) than 70.00% of its industry peers.
  • ABR has a better Return On Invested Capital (1.05%) than 82.86% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ABR is in line with the industry average of 1.26%.
Industry RankSector Rank
ROA 1.1%
ROE 5.09%
ROIC 1.05%
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
ABR Yearly ROA, ROE, ROICABR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • ABR's Profit Margin of 12.41% is fine compared to the rest of the industry. ABR outperforms 68.57% of its industry peers.
  • In the last couple of years the Profit Margin of ABR has declined.
  • Looking at the Operating Margin, with a value of 14.95%, ABR is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ABR has declined.
  • ABR's Gross Margin of 42.98% is amongst the best of the industry. ABR outperforms 84.29% of its industry peers.
  • In the last couple of years the Gross Margin of ABR has declined.
Industry RankSector Rank
OM 14.95%
PM (TTM) 12.41%
GM 42.98%
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
ABR Yearly Profit, Operating, Gross MarginsABR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • ABR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for ABR has been increased compared to 1 year ago.
  • Compared to 5 years ago, ABR has more shares outstanding
  • Compared to 1 year ago, ABR has an improved debt to assets ratio.
ABR Yearly Shares OutstandingABR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ABR Yearly Total Debt VS Total AssetsABR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 0.25, we must say that ABR is in the distress zone and has some risk of bankruptcy.
  • ABR has a better Altman-Z score (0.25) than 82.86% of its industry peers.
  • The Debt to FCF ratio of ABR is 25.46, which is on the high side as it means it would take ABR, 25.46 years of fcf income to pay off all of its debts.
  • ABR's Debt to FCF ratio of 25.46 is amongst the best of the industry. ABR outperforms 90.00% of its industry peers.
  • A Debt/Equity ratio of 3.47 is on the high side and indicates that ABR has dependencies on debt financing.
  • ABR's Debt to Equity ratio of 3.47 is fine compared to the rest of the industry. ABR outperforms 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.47
Debt/FCF 25.46
Altman-Z 0.25
ROIC/WACC0.15
WACC6.82%
ABR Yearly LT Debt VS Equity VS FCFABR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • ABR has a Current Ratio of 83.21. This indicates that ABR is financially healthy and has no problem in meeting its short term obligations.
  • ABR's Current ratio of 83.21 is amongst the best of the industry. ABR outperforms 100.00% of its industry peers.
  • A Quick Ratio of 83.21 indicates that ABR has no problem at all paying its short term obligations.
  • ABR's Quick ratio of 83.21 is amongst the best of the industry. ABR outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 83.21
Quick Ratio 83.21
ABR Yearly Current Assets VS Current LiabilitesABR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • ABR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.18%.
  • ABR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.79% yearly.
  • Looking at the last year, ABR shows a very negative growth in Revenue. The Revenue has decreased by -18.60% in the last year.
  • ABR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.64% yearly.
EPS 1Y (TTM)-31.18%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-18.6%
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%

3.2 Future

  • Based on estimates for the next years, ABR will show a very negative growth in Earnings Per Share. The EPS will decrease by -16.05% on average per year.
  • Based on estimates for the next years, ABR will show a very negative growth in Revenue. The Revenue will decrease by -14.75% on average per year.
EPS Next Y-41.42%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
EPS Next 5YN/A
Revenue Next Year-38.06%
Revenue Next 2Y-23%
Revenue Next 3Y-14.75%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ABR Yearly Revenue VS EstimatesABR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
ABR Yearly EPS VS EstimatesABR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.94, the valuation of ABR can be described as very cheap.
  • Based on the Price/Earnings ratio, ABR is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of ABR to the average of the S&P500 Index (28.23), we can say ABR is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.98, which indicates a very decent valuation of ABR.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ABR indicates a somewhat cheap valuation: ABR is cheaper than 62.86% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, ABR is valued rather cheaply.
Industry RankSector Rank
PE 5.94
Fwd PE 8.98
ABR Price Earnings VS Forward Price EarningsABR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • ABR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ABR is cheaper than 84.29% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ABR is valued cheaper than 97.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.64
EV/EBITDA 57.13
ABR Per share dataABR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of ABR may justify a higher PE ratio.
  • ABR's earnings are expected to decrease with -16.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.87
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • ABR has a Yearly Dividend Yield of 17.34%, which is a nice return.
  • ABR's Dividend Yield is rather good when compared to the industry average which is at 12.54. ABR pays more dividend than 90.00% of the companies in the same industry.
  • ABR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 17.34%

5.2 History

  • The dividend of ABR is nicely growing with an annual growth rate of 12.05%!
  • ABR has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.05%
Div Incr Years0
Div Non Decr Years0
ABR Yearly Dividends per shareABR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • 225.84% of the earnings are spent on dividend by ABR. This is not a sustainable payout ratio.
  • ABR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP225.84%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
ABR Yearly Income VS Free CF VS DividendABR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M 1B
ABR Dividend Payout.ABR Dividend Payout, showing the Payout Ratio.ABR Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

ARBOR REALTY TRUST INC

NYSE:ABR (2/11/2026, 6:55:46 PM)

After market: 7.64 +0.04 (+0.53%)

7.6

-0.26 (-3.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)10-31
Earnings (Next)02-13
Inst Owners58.95%
Inst Owner Change-1.09%
Ins Owners2.19%
Ins Owner Change-2.49%
Market Cap1.49B
Revenue(TTM)1.23B
Net Income(TTM)152.68M
Analysts45.45
Price Target9.35 (23.03%)
Short Float %24.1%
Short Ratio13.04
Dividend
Industry RankSector Rank
Dividend Yield 17.34%
Yearly Dividend2.09
Dividend Growth(5Y)12.05%
DP225.84%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.13%
Min EPS beat(2)8.8%
Max EPS beat(2)47.46%
EPS beat(4)4
Avg EPS beat(4)17.55%
Min EPS beat(4)2.68%
Max EPS beat(4)47.46%
EPS beat(8)8
Avg EPS beat(8)14.5%
EPS beat(12)12
Avg EPS beat(12)20.35%
EPS beat(16)14
Avg EPS beat(16)17.89%
Revenue beat(2)0
Avg Revenue beat(2)-30.35%
Min Revenue beat(2)-49.05%
Max Revenue beat(2)-11.66%
Revenue beat(4)0
Avg Revenue beat(4)-16.69%
Min Revenue beat(4)-49.05%
Max Revenue beat(4)-2.83%
Revenue beat(8)3
Avg Revenue beat(8)-5.76%
Revenue beat(12)7
Avg Revenue beat(12)26.28%
Revenue beat(16)11
Avg Revenue beat(16)70.48%
PT rev (1m)-7.17%
PT rev (3m)-23.61%
EPS NQ rev (1m)35.09%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)0.83%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)-20.94%
Revenue NQ rev (3m)-27.07%
Revenue NY rev (1m)-12.8%
Revenue NY rev (3m)-24.05%
Valuation
Industry RankSector Rank
PE 5.94
Fwd PE 8.98
P/S 1.21
P/FCF 3.64
P/OCF 3.41
P/B 0.5
P/tB 0.51
EV/EBITDA 57.13
EPS(TTM)1.28
EY16.84%
EPS(NY)0.85
Fwd EY11.14%
FCF(TTM)2.09
FCFY27.45%
OCF(TTM)2.23
OCFY29.31%
SpS6.29
BVpS15.32
TBVpS14.87
PEG (NY)N/A
PEG (5Y)0.87
Graham Number21
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 5.09%
ROCE 1.32%
ROIC 1.05%
ROICexc 1.08%
ROICexgc 1.12%
OM 14.95%
PM (TTM) 12.41%
GM 42.98%
FCFM 33.19%
ROA(3y)1.81%
ROA(5y)1.93%
ROE(3y)9.22%
ROE(5y)10.59%
ROIC(3y)1.81%
ROIC(5y)1.96%
ROICexc(3y)1.9%
ROICexc(5y)2.04%
ROICexgc(3y)1.97%
ROICexgc(5y)2.12%
ROCE(3y)2.29%
ROCE(5y)2.48%
ROICexgc growth 3Y-5.22%
ROICexgc growth 5Y-4.7%
ROICexc growth 3Y-5.83%
ROICexc growth 5Y-4.77%
OM growth 3Y-25.42%
OM growth 5Y-8.42%
PM growth 3Y-26.69%
PM growth 5Y-7.09%
GM growth 3Y-15.96%
GM growth 5Y-7.73%
F-Score4
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 3.47
Debt/FCF 25.46
Debt/EBITDA 51.6
Cap/Depr 157.77%
Cap/Sales 2.25%
Interest Coverage 0.27
Cash Conversion 216.42%
Profit Quality 267.41%
Current Ratio 83.21
Quick Ratio 83.21
Altman-Z 0.25
F-Score4
WACC6.82%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)220.9%
Profit Quality(5y)152.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.18%
EPS 3Y-8.31%
EPS 5Y6.79%
EPS Q2Q%-18.6%
EPS Next Y-41.42%
EPS Next 2Y-30.46%
EPS Next 3Y-16.05%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.6%
Revenue growth 3Y21.31%
Revenue growth 5Y21.64%
Sales Q2Q%-56.91%
Revenue Next Year-38.06%
Revenue Next 2Y-23%
Revenue Next 3Y-14.75%
Revenue Next 5YN/A
EBIT growth 1Y-43.38%
EBIT growth 3Y-9.53%
EBIT growth 5Y11.4%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.66%
FCF growth 3Y28.32%
FCF growth 5YN/A
OCF growth 1Y-2.46%
OCF growth 3Y28.64%
OCF growth 5YN/A

ARBOR REALTY TRUST INC / ABR FAQ

What is the ChartMill fundamental rating of ARBOR REALTY TRUST INC (ABR) stock?

ChartMill assigns a fundamental rating of 6 / 10 to ABR.


Can you provide the valuation status for ARBOR REALTY TRUST INC?

ChartMill assigns a valuation rating of 7 / 10 to ARBOR REALTY TRUST INC (ABR). This can be considered as Undervalued.


What is the profitability of ABR stock?

ARBOR REALTY TRUST INC (ABR) has a profitability rating of 6 / 10.


What is the expected EPS growth for ARBOR REALTY TRUST INC (ABR) stock?

The Earnings per Share (EPS) of ARBOR REALTY TRUST INC (ABR) is expected to decline by -41.42% in the next year.


Is the dividend of ARBOR REALTY TRUST INC sustainable?

The dividend rating of ARBOR REALTY TRUST INC (ABR) is 6 / 10 and the dividend payout ratio is 225.84%.