ABR

Real Estate

Arbor Realty Trust, Inc. · REIT - Mortgage · $1B

UQS Score — Balanced Preset
47.7
Below Average

Arbor Realty Trust, Inc. scores 47.7/100 using the Balanced preset.

UQS vs Real Estate Sector
ABR
47.7
Sector avg
38.4
Quality
Good
Moat
Weak
Growth
Neutral
Risk
Weak
Valuation
Attractive

What is Arbor Realty Trust, Inc.?

Arbor Realty Trust is a small-cap real estate investment trust focused on structured finance across multifamily, single-family rental, and commercial real estate markets in the United States. It operates through two distinct business segments to serve a range of borrower needs.

Arbor generates revenue through two segments: its Structured Business, which originates bridge loans, mezzanine loans, preferred equity investments, and junior participations; and its Agency Business, which underwrites, originates, sells, and services multifamily mortgage loans through conduit and commercial mortgage-backed securities programs. As a REIT, the company is required to distribute at least ninety percent of its taxable income to shareholders, making dividend income a central part of its investor proposition.

Arbor Realty Trust was founded in 2004 and is headquartered in Uniondale, New York.

  • Bridge financing for short-term property acquisition capital
  • Mezzanine and preferred equity lending products
  • Junior participation interests in senior mortgage debt
  • Single-family rental acquisition financing
  • Agency multifamily mortgage origination and servicing

Is ABR a Good Stock to Buy?

UQS Score rates ABR as Below Average overall, reflecting meaningful headwinds across several key pillars.

On the Quality pillar, Arbor shows a Good rating, suggesting its core lending operations generate reasonably consistent income relative to peers. Valuation is rated Attractive, meaning the stock may be priced at a discount relative to its fundamentals — a point of interest for value-oriented investors in the [real estate sector](/sector/real-estate).

The Risk and Moat pillars both register as Weak, indicating elevated credit and balance-sheet sensitivity alongside limited competitive differentiation — factors that weigh heavily on the composite score.

Pro members can view the full pillar breakdown and underlying financial metrics to form a complete picture of ABR's risk-reward profile. Sign up free →

Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does ABR pay dividends?

Yes — Arbor Realty Trust, Inc. pays a dividend.

Arbor Realty Trust pays a regular dividend, consistent with its REIT structure that mandates distributing the majority of taxable income. The dividend is a primary draw for income-focused investors. However, given the Weak Risk pillar rating, investors should consider the sustainability of the payout in the context of credit cycle exposure before relying on it as stable income.

When does ABR report earnings?

Arbor Realty Trust reports earnings on a quarterly cadence, typical for US-listed REITs.

The company's Growth pillar is rated Neutral, suggesting earnings momentum is neither a clear tailwind nor a significant drag at present. Loan origination volumes and credit quality trends in the multifamily market remain key variables to watch each quarter.

For the most recent quarter's results and management commentary, visit Arbor Realty Trust's investor relations page directly.

ABR Price History

-23.7% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Arbor Realty Trust, Inc.?

$
Today it would be worth
$8,793
That's a -12.1% total return, or -2.5% annualized.

Based on Arbor Realty Trust, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

ABR Long-term Outlook

Arbor's fundamental outlook is shaped by the interplay between its Neutral Growth profile and its Weak Risk rating. While the Agency Business provides a relatively stable fee-generating engine, the Structured Business carries meaningful exposure to credit conditions in commercial and multifamily real estate — markets that remain sensitive to interest rate movements. The Attractive Valuation label suggests the market has already priced in a degree of risk, but the path to re-rating depends on credit performance stabilizing.

Growth drivers

  • Continued demand for bridge and mezzanine lending in multifamily housing
  • Agency segment fee income from loan origination and servicing
  • Potential expansion in single-family rental financing as the sector matures

Key risks

  • Credit deterioration in the commercial real estate loan book
  • Interest rate sensitivity affecting borrower repayment capacity
  • Limited competitive moat in a crowded specialty finance market

ABR vs Peers

Arbor Realty Trust operates in the commercial mortgage REIT space alongside several specialty finance peers, each with a distinct lending focus.

ARIABR scores higher
Apollo Commercial Real Estate Finance, Inc.

ARI is backed by the Apollo asset management platform, giving it access to large-scale institutional deal flow and a broader global origination network.

LADRABR scores higher
Ladder Capital Corp

Ladder Capital blends balance-sheet lending with a securities portfolio and a real estate equity book, offering a more diversified asset mix than a pure-play mortgage REIT.

EFCABR scores higher
Ellington Financial Inc.

Ellington Financial targets a wider range of credit assets including consumer and corporate loans, differentiating it from Arbor's concentrated multifamily and commercial real estate focus.

Frequently Asked Questions

What does Arbor Realty Trust do?

Arbor Realty Trust is a structured finance REIT that originates and invests in bridge loans, mezzanine loans, preferred equity, and junior participations across multifamily and commercial real estate. It also operates an Agency Business that originates and services multifamily mortgage loans through government-sponsored programs.

Does ABR pay dividends?

Yes, Arbor Realty Trust pays a regular dividend. As a REIT, it is required to distribute at least ninety percent of its taxable income to shareholders. Income investors are drawn to ABR for this reason, though the Weak Risk pillar rating warrants attention when assessing dividend sustainability.

When does ABR report earnings?

Arbor Realty Trust reports on a quarterly cadence, as is standard for US-listed REITs. For exact dates and the most recent results, check the investor relations section of the company's official website.

Is ABR a good stock to buy?

UQS Score rates ABR as Below Average overall. While the Quality pillar is Good and Valuation is Attractive, the Weak Risk and Moat ratings introduce meaningful uncertainty. Whether ABR fits a portfolio depends on an investor's risk tolerance and income objectives. See the full pillar breakdown on UQS Score for a deeper view.

Is ABR overvalued?

The UQS Valuation pillar for ABR is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals at current levels. However, an attractive price can reflect elevated risk rather than a pure opportunity — the Weak Risk pillar is an important counterweight to consider.

How does ABR compare to its competitors?

Compared to peers like Apollo Commercial Real Estate Finance, Ladder Capital, and Ellington Financial, Arbor differentiates through its deep focus on multifamily bridge lending and its Agency Business servicing platform. However, its Weak Moat rating suggests this positioning does not yet translate into a durable competitive advantage over rivals.

What is ABR's market cap bracket?

Arbor Realty Trust is classified as a small-cap company. This places it below large-cap mortgage REITs in terms of total market value, which can mean higher volatility and less institutional coverage but also potential valuation opportunities for investors willing to accept that profile.

Who founded Arbor Realty Trust?

Arbor Realty Trust was established in 2004. Founding and leadership history is publicly available through the company's official filings and investor relations materials for those seeking detailed background.

Is ABR a long-term quality investment?

As a long-term quality indicator, UQS Score rates ABR as Below Average, driven primarily by Weak scores in Risk and Moat. Long-term holders in specialty finance REITs typically look for durable credit discipline and competitive positioning — areas where ABR's current pillar profile shows room for improvement.

What is the main competitive advantage of Arbor Realty Trust?

Arbor's primary differentiator is its dual-segment model combining flexible structured lending with an Agency Business that generates fee income from origination and servicing. That said, the UQS Moat pillar rates this advantage as Weak, indicating the market sees limited barriers to competition in its core lending niches.

What sector does ABR belong to?

ABR operates in the Real Estate sector, specifically within the commercial mortgage REIT sub-category. Investors can explore other [real estate sector stocks](/sector/real-estate) on UQS Score to compare quality profiles across the space.

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Pro Analysis

ABR — Score History

4045505560Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 13 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 12, 202647.964.928.050.70.596.50.0
May 11, 202647.964.928.050.70.596.2-1.3
May 8, 202649.270.328.050.70.196.7-0.1
May 6, 202649.370.328.050.70.197.0+0.1
May 3, 202649.270.328.050.70.196.80.0
May 2, 202649.270.328.050.70.196.60.0
May 1, 202649.270.328.050.70.196.70.0
Apr 28, 202649.270.328.050.70.196.60.0
Apr 25, 202649.270.328.050.70.196.70.0
Apr 23, 202649.270.328.050.70.196.60.0

ABR — Pillar Breakdown

Quality

64.9/100 (25%)

Arbor Realty Trust, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Return on EquityWeak

Profitability relative to shareholders' equity.

Operating ProfitabilityStrong

Ability to convert revenue into operating profit.

Net ProfitabilityWeak

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

Growth

50.7/100 (20%)

Arbor Realty Trust, Inc. shows steady but unspectacular growth, typical for mature companies.

Recent Revenue TrendStrong

Revenue trajectory over the last twelve months.

3Y Revenue CAGRStrong

Compound annual revenue growth rate over 3 years.

EPS GrowthWeak

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

0.5/100 (15%)

Arbor Realty Trust, Inc. presents elevated risk with concerns around leverage or financial stability.

Debt/EquityWeak

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

95.3/100 (15%)

Arbor Realty Trust, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorStrong

Enterprise value multiple relative to sector median.

Moat

28/100 (25%)

Arbor Realty Trust, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ABR.

Score Composition

Quality
64.9×25%16.2
Growth
50.7×20%10.1
Risk
0.5×15%0.1
Valuation
95.3×15%14.3
Moat
28.0×25%7.0
Total
47.7Below Average

Financial Data

More Stock Analysis

How is the ABR UQS Score Calculated?

The UQS (Unified Quality Score) for Arbor Realty Trust, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Arbor Realty Trust, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Arbor Realty Trust, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.