Arbor Realty Trust Common Stock (ABR)

FairStock Score: 45/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn consistently, carry modest debt, and sell below intrinsic value. Arbor is a mortgage REIT lending in multifamily and commercial real estate, so its fortunes rest on credit and funding. The numbers are ugly: filed net income fell from $400.6M in FY2023 to $283.9M in FY2024 to $157.8M in FY2025, and fiscal Q2 2026, the quarter ended 2026-06-30, produced a $30.2M net loss and diluted EPS of -$0.20. FairStock's numbers as of the 2026-10-13 close show a $2.81 price, 0.25x book, 31.22x earnings, 1.98% ROE, 0.42% ROCE, and D/E of 3.87. The 21.96% dividend yield looks more like a warning than income unless earnings recover. A 2/9 Piotroski F-Score and a FairStock score of 45/100 confirm weakness, and the Lynch category is 'SLOW GROWER — Shrinking' with profit -4.3% a year over five years. There is no wide moat here; structured lending is competitive and balance-sheet dependent. The low price-to-book says the market expects book-value damage, while the high price-to-earnings says current earnings do not support the price. I cannot judge CET1, net interest margin, or combined ratio because they are not in the data. So this is a deep-discount, high-risk situation: cheap on assets, expensive on earnings, and vulnerable to credit losses.

In plain English: Arbor Realty Trust lends money to apartment and other real estate projects. The business looks weak right now because profits have been falling and it lost money in the most recent filed quarter. The stock is very cheap compared with the company's stated net worth, but expensive compared with recent profit, so the low price likely reflects real risks.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer