[8-K] Lument Finance Trust, Inc. Reports Material Event

Rhea-AI Filing Summary

Lument Finance Trust, Inc. furnished a press release and supplemental financial information announcing its financial results for the quarter ended June 30, 2025. Those materials are attached to the Form 8-K as Exhibit 99.1 (press release) and Exhibit 99.2 (supplemental financial information) and are referenced under Item 2.02 (Results of Operations and Financial Condition).

The company states these materials are being furnished and not filed, which the filing says limits Section 18 liability and prevents automatic incorporation by reference into other securities filings unless expressly referenced. The exhibits list includes an Inline XBRL cover page for interactive data, and the Form 8-K identifies the company’s registered securities as Common Stock (LFT) and 7.875% Series A Preferred Stock (LFTPrA) on the NYSE.

Positive

• Press release and supplemental financial information furnished for the quarter ended June 30, 2025 (Exhibits 99.1 and 99.2).
• Inline XBRL cover page included, supporting interactive financial data in the attached exhibits.
• Registered securities disclosed: Common Stock (LFT) and 7.875% Series A Preferred Stock (LFTPrA) listed on the NYSE.

Negative

• No financial figures or performance metrics are included in the 8-K text; investors must consult Exhibits 99.1 and 99.2 for results.
• Materials are furnished, not filed, which limits Section 18 liability and prevents automatic incorporation by reference into other filings.

Insights

Financial Analyst

TL;DR Routine furnishing of quarterly results; no financial data in the 8-K itself, so immediate market impact is limited.

The Form 8-K indicates that Lument furnished a press release and supplemental financial schedules for Q2 2025 but did not include any operating or financial figures within the filing text. Investors must review Exhibits 99.1 and 99.2 for substantive metrics. Because the filing explicitly states the materials are furnished rather than filed, the 8-K provides disclosure of the release but does not change the company’s reported financials on its own.

Corporate Governance Expert

TL;DR Furnishing rather than filing is standard practice; it reduces Section 18 exposure but offers limited new governance information.

The disclosure follows routine reporting practice by furnishing a press release and supplemental financial information and including an Inline XBRL cover page. The explicit statement that materials are furnished (not filed) clarifies legal protections and incorporation rules, but the 8-K itself contains no substantive operational, liquidity, or capital-structure changes. From a governance perspective, the filing documents timely disclosure process without altering governance arrangements.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 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): August 8, 2025

LUMENT FINANCE TRUST, INC.

(Exact name of registrant as specified in its charter)

Maryland		001-35845		45-4966519
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

230 Park Avenue, 20th Floor

New York, New York 10169

(Address of principal executive offices)

(212) 317-5700

(Registrant’s telephone number, including area code)

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 Stock, $0.01 par value per share		LFT		New York Stock Exchange
7.875% Series A Cumulative Redeemable Preferred Stock, $0.01 par value per share		LFTPrA		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 2.02 Results of Operations and Financial Condition.

On August 8, 2025, Lument Finance Trust, Inc. (the “Company”) issued a press release (the “Release”) and supplemental financial information announcing its financial results for the quarter ended June 30, 2025. The Release and supplemental financial information are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated herein by reference.

The information disclosed in “Item 2.02 Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01 Exhibits.

(d)        Exhibits.

99.1		Press Release of Lument Finance Trust, Inc., dated August 8, 2025.
99.2		Supplemental Financial Information for the second quarter ended June 30, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

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

	LUMENT Finance Trust, Inc.
Date: August 8, 2025	By:	/s/ James A. Briggs
		James A. Briggs
		Chief Financial Officer

FAQ

What did LFT disclose about Q2 2025 results in this 8-K?

The 8-K states that Lument Finance Trust furnished a press release and supplemental financial information announcing results for the quarter ended June 30, 2025; the detailed figures are in Exhibits 99.1 and 99.2.

Are the press release and supplemental materials filed or furnished for LFT?

They are explicitly furnished, not filed, meaning the company disclosed them but limited Section 18 liability and did not incorporate them by reference into other filings.

Which exhibits contain the Q2 2025 financial details for LFT?

Exhibit 99.1 contains the press release and Exhibit 99.2 contains the supplemental financial information; the filing also includes an Inline XBRL cover page (Exhibit 104).

Does this Form 8-K provide specific revenue or earnings figures for LFT?

No. The Form 8-K text does not include revenue, net income, or other financial metrics; those details must be obtained from Exhibits 99.1 and 99.2.

What securities of LFT are listed in the 8-K?

The filing lists the company’s registered securities as Common Stock (LFT) and 7.875% Series A Cumulative Redeemable Preferred Stock (LFTPrA), both traded on the NYSE.