Ellington Credit Company (NYSE: EARN) sets $0.08 monthly dividend for Jan 2026

Rhea-AI Filing Summary

Ellington Credit Company announced that its Board of Trustees has declared a monthly cash dividend of $0.08 per common share. The dividend will be paid on January 30, 2026 to shareholders who are on record as of December 31, 2025. This provides investors with ongoing monthly income based on their current shareholdings as of the stated record date.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): December 4, 2025

Ellington Credit Company

(Exact name of registrant specified in its charter)

Delaware

811-24071

46-0687599

(State or Other Jurisdiction Of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

53 Forest Avenue

Old Greenwich, CT 06870

(Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Shares of Beneficial Interest, no par value

EARN

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 8.01    Other Events.

On December 4, 2025, Ellington Credit Company issued a press release announcing that its Board of Trustees declared a monthly dividend of $0.08 per share, payable on January 30, 2026 to common shareholders of record as of December 31, 2025.

A copy of the press release is filed herewith as Exhibit 99.1 to this current report on Form 8-K and the information related to the dividend is incorporated herein by reference.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits. The following exhibit is being furnished herewith this Current Report on Form 8-K.

99.1    Press Release dated December 4, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

									ELLINGTON CREDIT COMPANY
Dated:			December 4, 2025			By:			/s/ Christopher Smernoff
									Christopher Smernoff
									Chief Financial Officer

FAQ

What dividend did Ellington Credit Company (EARN) declare on December 4, 2025?

Ellington Credit Company declared a monthly cash dividend of $0.08 per common share on December 4, 2025.

When is the record date for Ellington Credit Companys $0.08 dividend?

The record date for the $0.08 per share dividend is December 31, 2025.

When will Ellington Credit Company (EARN) pay the $0.08 monthly dividend?

The $0.08 per share monthly dividend is scheduled to be paid on January 30, 2026.

Which shareholders of Ellington Credit Company are eligible for the January 30, 2026 dividend?

Common shareholders of Ellington Credit Company who are on record as of December 31, 2025 are eligible for the dividend payable on January 30, 2026.

How often does Ellington Credit Company pay the announced $0.08 dividend?

The company described the $0.08 per share dividend as a monthly dividend to common shareholders.