STOCK TITAN

Arbor Realty Trust (ABR) CAO granted 16,108 shares, 7,141 withheld for taxes

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Arbor Realty Trust’s Chief Accounting Officer, Thomas J. Ridings, reported compensation-related stock activity in common shares. On March 13, he received a grant of 16,108 shares of common stock under the company’s 2024 Amended Omnibus Stock Incentive Plan, with one third vesting on the grant date, one third in one year, and one third in two years.

To cover tax-withholding obligations tied to vesting, a total of 7,141 shares were disposed of through issuer withholding transactions on March 13 and March 14 at $7.67 per share. After these transactions, Ridings holds 137,615 common shares directly. These F-code dispositions are tax payments, not open-market sales.

Positive

  • None.

Negative

  • None.

Insights

Compensation grant with routine tax withholding; no open-market trading.

Chief Accounting Officer Thomas J. Ridings received a 16,108-share stock grant under Arbor Realty Trust’s 2024 incentive plan. The award vests in thirds over two years, aligning part of his compensation with future company performance.

Three F-code transactions totaling 7,141 shares at $7.67 per share reflect shares withheld by the company to satisfy tax obligations on vesting, not discretionary selling. Following these events, he directly owns 137,615 shares, indicating the activity is routine compensation and tax settlement rather than a change in investment stance.

Insider Ridings Thomas J.
Role Chief Accounting Officer
Type Security Shares Price Value
Tax Withholding Common Stock, par value $0.01 per share 2,074 $7.67 $16K
Tax Withholding Common Stock, par value $0.01 per share 2,326 $7.67 $18K
Grant/Award Common Stock, par value $0.01 per share 16,108 $0.00 --
Tax Withholding Common Stock, par value $0.01 per share 2,741 $7.67 $21K
Holdings After Transaction: Common Stock, par value $0.01 per share — 139,941 shares (Direct)
Footnotes (1)
  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. Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of 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
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
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*
Ridings Thomas J.

(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 Accounting 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 16,108 A (1) 144,756 D
Common Stock, par value $0.01 per share 03/13/2026 F(2) 2,741 D $7.67 142,015 D
Common Stock, par value $0.01 per share 03/14/2026 F(2) 2,074 D $7.67 139,941 D
Common Stock, par value $0.01 per share 03/14/2026 F(2) 2,326 D $7.67 137,615 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/ John Bishar, Attorney-in-Fact for Thomas J. Ridings 03/17/2026
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did ABR’s Chief Accounting Officer report on this Form 4?

The Chief Accounting Officer reported a grant of 16,108 shares of common stock and three F-code transactions where 7,141 shares were withheld by the company at $7.67 per share to cover tax obligations tied to vesting.

Were the ABR insider’s recent Form 4 transactions open-market stock sales?

No, the reported dispositions were tax-withholding transactions, not open-market sales. Shares totaling 7,141 were withheld by the company at $7.67 per share to satisfy tax obligations related to vested stock, rather than being sold into the market.

What stock award did ABR grant to Chief Accounting Officer Thomas J. Ridings?

He received a 16,108-share grant of Arbor Realty Trust common stock under the 2024 Amended Omnibus Stock Incentive Plan. According to the footnote, one third vests on the grant date, one third vests in one year, and one third vests in two years.

How many ABR shares does the Chief Accounting Officer hold after these transactions?

Following the grant and tax-withholding entries, Chief Accounting Officer Thomas J. Ridings directly owns 137,615 shares of Arbor Realty Trust common stock. This figure comes from the last reported line of the Form 4’s non-derivative transaction table.

What does F-code mean in the ABR insider’s Form 4 transactions?

The F-code transactions represent payment of tax liability by delivering securities. In this case, 7,141 shares of Arbor Realty Trust common stock were withheld by the company at $7.67 per share to satisfy tax-withholding obligations tied to stock vesting.

How do the ABR stock award vesting terms work for this insider grant?

The 16,108-share stock award vests in three equal installments. Per the footnote, one third vests on the grant date, one third vests after one year, and the final third vests after two years, subject to the company’s 2024 incentive plan.