Arbor Realty Trust (ABR) awards shares to Chief Credit Officer with tax withholdings

Rhea-AI Filing Summary

Arbor Realty Trust reported that Chief Credit Officer Andrew Guziewicz received a grant of 12,886 shares of common stock at no cost under the company’s 2024 Amended Omnibus Stock Incentive Plan. One third vests immediately, with additional thirds vesting in one and two years.

In connection with this vesting, the company withheld 3,464 shares at $7.67 per share to cover tax obligations, reported in three separate transactions. After these compensation-related and tax-withholding entries, Guziewicz directly holds 106,631 shares of Arbor Realty Trust common stock.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

GUZIEWICZ ANDREW

(Last) (First) (Middle)

C/O ARBOR REALTY TRUST, INC.

333 EARLE OVINGTON BLVD, SUITE 900

(Street)

UNIONDALE NY 11553

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ARBOR REALTY TRUST INC [ ABR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/13/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock, par value $0.01 per share	03/13/2026		A		12,886	A	(1)	110,095	D
Common Stock, par value $0.01 per share	03/13/2026		F(2)		1,549	D	$7.67	108,546	D
Common Stock, par value $0.01 per share	03/14/2026		F(2)		976	D	$7.67	107,570	D
Common Stock, par value $0.01 per share	03/14/2026		F(2)		939	D	$7.67	106,631	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

2. Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

	/s/ Andrew Guziewicz	03/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transactions did Arbor Realty Trust (ABR) report for Andrew Guziewicz?

Arbor Realty Trust reported a stock grant of 12,886 common shares to Chief Credit Officer Andrew Guziewicz and three related tax-withholding dispositions totaling 3,464 shares. These entries reflect equity compensation and associated tax payments rather than open-market purchases or sales.

How many Arbor Realty Trust (ABR) shares were granted to the Chief Credit Officer?

Andrew Guziewicz received a grant of 12,886 shares of Arbor Realty Trust common stock at no cost. The award was issued under the company’s 2024 Amended Omnibus Stock Incentive Plan and follows a vesting schedule spread over the next two years.

What is the vesting schedule for the new ABR stock grant to Andrew Guziewicz?

The 12,886-share grant to Andrew Guziewicz vests in three equal installments. One third vests on the grant date, another third after one year, and the final third after two years, aligning his compensation with longer-term company performance.

Why did Arbor Realty Trust (ABR) withhold 3,464 shares from Andrew Guziewicz?

Arbor Realty Trust withheld 3,464 shares from Andrew Guziewicz to satisfy tax-withholding obligations tied to the vesting of his stock award. These withholdings, reported at $7.67 per share, are not open-market sales but a standard method of covering tax liabilities.

How many Arbor Realty Trust (ABR) shares does Andrew Guziewicz hold after these transactions?

Following the stock grant and related tax-withholding entries, Andrew Guziewicz directly holds 106,631 shares of Arbor Realty Trust common stock. This figure reflects his updated equity position after the compensation award and the company’s share withholdings for taxes.

Were any of the recent ABR insider transactions open-market buys or sells?

No open-market buys or sells are reported in this filing. The Form 4 shows a stock grant to Andrew Guziewicz and three F-code tax-withholding dispositions, where shares were withheld by the company to cover tax obligations associated with the vesting of his award.