Arbor Realty Trust Announces Tax Treatment of 2025 Dividends

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Arbor Realty Trust (NYSE: ABR) announced the tax characterization of its 2025 dividend distributions for common and preferred shares. For common stock, 100% of 2025 distributions are classified as dividend income. Detailed per-share breakdowns for common and Series D, E, F preferred shares are provided.

The release reports no excess inclusion income for 2025 and instructs shareholders to consult their tax advisors and brokers for 1099 information.

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UNIONDALE, N.Y., Jan. 30, 2026 (GLOBE NEWSWIRE) -- Arbor Realty Trust, Inc. (NYSE: ABR), today announced the tax treatment of its 2025 dividend distributions for common and preferred shares of beneficial interest.

For tax reporting purposes, 100% of the distributions paid on our common stock during 2025 will be classified as dividend income. The 2025 taxable distributions with respect to our common stock traded under ticker symbol ABR are summarized as follows:

Common Shares (CUSIP #038923108)
Record Date		Payment Date		Total Distribution Per Share			Non-Qualified Dividend (1)			Qualified Dividend			Capital Gain Distribution
3/7/2025		3/21/2025		$0.43			$0.19			$0.24			$0.00
5/16/2025		5/30/2025		0.30			0.13			0.17			0.00
8/15/2025		8/29/2025		0.30			0.13			0.17			0.00
11/14/2025		11/26/2025		0.30			0.13			0.17			0.00
				$1.33			$0.58			$0.75			$0.00

The 2025 taxable distributions with respect to our 6.375% Series D Cumulative Redeemable Preferred Stock traded under ticker symbol ABR-PD are summarized as follows:

6.375% Series D Cumulative Redeemable Preferred Stock (CUSIP #038923876)
Record Date		Payment Date		Total Distribution Per Share		Non-Qualified Dividend (1)		Qualified Dividend		Capital Gain Distribution
1/15/2025		1/30/2025		$0.398438		$0.178369		$0.220069		$0.00
4/15/2025		4/30/2025		0.398438		0.178369		0.220069		0.00
7/15/2025		7/30/2025		0.398438		0.178369		0.220069		0.00
10/15/2025		10/30/2025		0.398438		0.178369		0.220069		0.00
				$1.593750		$0.713475		$0.880275		$0.00

The 2025 taxable distributions with respect to our 6.25% Series E Cumulative Redeemable Preferred Stock traded under ticker symbol ABR-PE are summarized as follows:

6.25% Series E Cumulative Redeemable Preferred Stock (CUSIP #038923868)
Record Date		Payment Date		Total Distribution Per Share		Non-Qualified Dividend (1)		Qualified Dividend		Capital Gain Distribution
1/15/2025		1/30/2025		$0.390625		$0.174871		$0.215754		$0.00
4/15/2025		4/30/2025		0.390625		0.174871		0.215754		0.00
7/15/2025		7/30/2025		0.390625		0.174871		0.215754		0.00
10/15/2025		10/30/2025		0.390625		0.174871		0.215754		0.00
				$1.562500		$0.699485		$0.863015		$0.00

The 2025 taxable distributions with respect to our 6.25% Series F Fixed to Floating Cumulative Redeemable Preferred Stock traded under ticker symbol ABR-PF are summarized as follows:

6.25% Series F Fixed-to-Floating Cumulative Redeemable Preferred Stock (CUSIP #038923850)
Record Date		Payment Date		Total Distribution Per Share			Non-Qualified Dividend (1)		Qualified Dividend		Capital Gain Distribution
1/15/2025		1/30/2025		$0.390625			$0.174871		$0.215754		$0.00
4/15/2025		4/30/2025		0.390625			0.174871		0.215754		0.00
7/15/2025		7/30/2025		0.390625			0.174871		0.215754		0.00
10/15/2025		10/30/2025		0.390625			0.174871		0.215754		0.00
				$1.562500			$0.699485		$0.863015		$0.00
(1) May be eligible for the 20% qualified business income deduction applicable to certain REIT dividends under IRC Section 199A(b)(1)(B).

For shareholders that may be required to report excess inclusion income to the Internal Revenue Service, we are pleased to report that in 2025, we will not pass through any excess inclusion income to our shareholders. As a result, no portion of the 2025 dividends should be treated as excess inclusion income for federal income tax purposes.

We do not issue K-1s to holders of our common and preferred stock. Please contact your financial advisor or broker to obtain information on a 1099 form.

Note: Shareholders are encouraged to consult with their tax advisors as to their specific tax treatment of our dividend distributions.

About Arbor Realty Trust, Inc.

Arbor Realty Trust, Inc. (NYSE: ABR) is a nationwide real estate investment trust and direct lender, providing loan origination and servicing for multifamily, single-family rental (SFR) portfolios, and other diverse commercial real estate assets. Headquartered in New York, Arbor manages a multibillion-dollar servicing portfolio, specializing in government-sponsored enterprise products. Arbor is a leading Fannie Mae DUS® lender and Freddie Mac Optigo® Seller/Servicer, and an approved FHA Multifamily Accelerated Processing (MAP) lender. Arbor’s product platform also includes bridge, CMBS, mezzanine and preferred equity loans. Rated by Standard and Poor’s and Fitch Ratings, Arbor is committed to building on its reputation for service, quality and customized solutions with an unparalleled dedication to providing our clients excellence over the entire life of a loan.

Safe Harbor Statement

Certain items in this press release may constitute forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. Arbor can give no assurance that its expectations will be attained. Factors that could cause actual results to differ materially from Arbor’s expectations include, but are not limited to, changes in economic conditions generally, and the real estate markets specifically, continued ability to source new investments, changes in interest rates and/or credit spreads, and other risks detailed in Arbor’s Annual Report on Form 10-K for the year ended December 31, 2024 and its other reports filed with the SEC. Such forward-looking statements speak only as of the date of this press release. Arbor expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in Arbor’s expectations with regard thereto or change in events, conditions, or circumstances on which any such statement is based.

Contact:
Arbor Realty Trust, Inc.
Investor Relations
516-506-4200
InvestorRelations@arbor.com

FAQ

How are ABR common stock dividends for 2025 classified for tax purposes?

All 2025 ABR common stock distributions are classified as dividend income. According to the company, 100% of distributions paid on common stock during 2025 should be reported as dividend income for tax reporting purposes, with detailed non-qualified and qualified portions listed per payment.

What were the total 2025 dividend amounts per ABR common share and their qualified portions?

Total 2025 dividends per ABR common share totaled $1.33, with $0.75 qualified. According to the company, the four payments summed to $1.33 per share, comprising $0.58 non-qualified and $0.75 qualified dividend income for the year.

Will ABR report any excess inclusion income for shareholders in 2025?

No portion of 2025 dividends will be treated as excess inclusion income. According to the company, Arbor will not pass through any excess inclusion income to shareholders for 2025, so none of the dividends should be reported as such for federal tax purposes.

What are the 2025 total distributions and qualified amounts for ABR Series D preferred (ABR-PD)?

Series D holders received $1.59375 total per share in 2025, with $0.880275 qualified. According to the company, four quarterly payments of $0.398438 each produced $0.713475 non-qualified and $0.880275 qualified dividend income for the year.

How should ABR shareholders obtain tax reporting forms for 2025 dividends?

Shareholders should obtain dividend tax forms from their broker or financial advisor. According to the company, Arbor does not issue K-1s for common or preferred stock; shareholders should contact brokers for 1099 information and consult tax advisors about specific tax treatment.