Armour Residential REIT (ARR) director reports 932-share stock compensation grant

Rhea-AI Filing Summary

Armour Residential REIT, Inc. director reported receiving stock as part of regular board compensation. On January 2, 2026, the reporting person acquired 932 shares of common stock at a price of $17.69 per share, increasing the director’s beneficial ownership to 25,414 shares held directly.

This grant reflects the director’s election to receive a portion of quarterly board fees in stock rather than cash. The filing explains that the director may elect to receive $16,500 of total quarterly compensation, or $66,000 on an annual basis, in common stock, cash, or a mix of both, and that the 932 shares represent the stock portion chosen for the most recent quarter.

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

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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^*

Downey Carolyn

(Last) (First) (Middle)

3001 OCEAN DRIVE

SUITE 201

(Street)

VERO BEACH FL 32963

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Armour Residential REIT, Inc. [ ARR ]

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

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

3. Date of Earliest Transaction (Month/Day/Year)
01/02/2026

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 $0.001 per share	01/02/2026		A(1)		932	A	$17.69	25,414	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. On January 2, 2026, the reporting person received 932 shares of ARMOUR common stock pursuant to quarterly compensation paid for the reporting person's service on ARMOUR's Board of Directors. The reporting person may elect to receive $16,500 of the reporting person's total quarterly compensation (or $66,000 on an annual basis) paid in common stock, cash, or a combination of stock and cash at the option of the director. The 932 shares of stock represent the reporting person's election of stock compensation for the past quarter.

Remarks:

	/s/ Carolyn Downey	01/05/2026
	** 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 transaction did Armour Residential REIT (ARR) disclose in this Form 4?

The company disclosed that a director acquired 932 shares of Armour Residential REIT common stock on January 2, 2026 as part of quarterly board compensation.

At what price were the 932 ARR shares received by the director?

The director received 932 shares of Armour Residential REIT common stock at a price of $17.69 per share.

How many Armour Residential REIT (ARR) shares does the director own after this transaction?

Following the reported transaction, the director beneficially owns 25,414 shares of Armour Residential REIT common stock, held directly.

Why did the Armour Residential REIT director receive 932 shares instead of cash?

The filing states the director may elect to receive $16,500 of quarterly compensation (or $66,000 annually) in stock, cash, or a combination. The 932 shares reflect the director’s election to receive stock compensation for the past quarter.

Is this ARR Form 4 transaction related to options or other derivative securities?

No derivative securities are reported. The Form 4 only shows an acquisition of 932 shares of Armour Residential REIT common stock in the non-derivative securities table.

What is the relationship of the reporting person to Armour Residential REIT (ARR)?

The reporting person is identified as a Director of Armour Residential REIT, Inc., with the box for director checked on the form.