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Upturn AI SWOT - About
ABR 
Arbor Realty Trust (ABR)
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Upturn Advisory Summary
08/28/2025: ABR (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $11.62
1 Year Target Price $11.62
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.01% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.46B USD | Price to earnings Ratio 13.13 | 1Y Target Price 11.62 |
Price to earnings Ratio 13.13 | 1Y Target Price 11.62 | ||
Volume (30-day avg) 4 | Beta 1.3 | 52 Weeks Range 8.22 - 14.16 | Updated Date 08/29/2025 |
52 Weeks Range 8.22 - 14.16 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 12.35% | Basic EPS (TTM) 0.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-01 | When - | Estimate 0.23 | Actual 0.25 |
Profitability
Profit Margin 35.59% | Operating Margin (TTM) 25.18% |
Management Effectiveness
Return on Assets (TTM) 1.65% | Return on Equity (TTM) 7.28% |
Valuation
Trailing PE 13.13 | Forward PE - | Enterprise Value 12957381632 | Price to Sales(TTM) 4.1 |
Enterprise Value 12957381632 | Price to Sales(TTM) 4.1 | ||
Enterprise Value to Revenue 15.56 | Enterprise Value to EBITDA - | Shares Outstanding 192300992 | Shares Floating 184599742 |
Shares Outstanding 192300992 | Shares Floating 184599742 | ||
Percent Insiders 2.65 | Percent Institutions 62.2 |
Upturn AI SWOT
Arbor Realty Trust
Company Overview
History and Background
Arbor Realty Trust, Inc. was founded in 2003. It's a real estate investment trust (REIT) specializing in financing for multifamily and commercial real estate. Initially focused on agency lending, it has expanded into other areas such as bridge loans and structured financings.
Core Business Areas
- Agency Lending: Origination and servicing of multifamily loans through government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac and through the FHA (Federal Housing Administration).
- Structured Business: Origination and investment in bridge loans, mezzanine loans, and other structured financings for commercial real estate.
- Servicing Portfolio: Management of a large and growing servicing portfolio of multifamily and commercial real estate loans.
Leadership and Structure
Ivan Kaufman is the Chairman and CEO. The organizational structure includes divisions for agency lending, structured finance, and servicing, with supporting functions like finance, legal, and risk management.
Top Products and Market Share
Key Offerings
- Fannie Mae DUS Loans: Arbor is a leading originator of Fannie Mae Delegated Underwriting and Servicing (DUS) loans for multifamily properties. Market share varies but Arbor is consistently a top DUS lender. Competitors include Greystone, Walker & Dunlop, and CBRE Capital Markets. Revenue contribution is significant as agency lending represents a large portion of their business.
- Freddie Mac Loans: Arbor also originates Freddie Mac loans, including Freddie Mac Small Balance Loans. Similar to Fannie Mae, they hold a considerable market share in this sector. Competitors are comparable to those in the Fannie Mae space. Again, a crucial component to the overall revenue.
- Bridge Loans: Arbor provides short-term financing solutions, bridge loans, for commercial real estate properties. The market share in this area fluctuates more. Competitors include private credit funds, debt funds, and other REITs. A key source of revenue and growth, though more volatile.
Market Dynamics
Industry Overview
The commercial real estate finance industry is influenced by interest rates, economic growth, property valuations, and regulatory changes. Demand for multifamily housing drives a significant portion of the lending activity.
Positioning
Arbor is a well-established player with a strong presence in agency lending. Its competitive advantages include its deep relationships with GSEs and its experienced team. The company has become more diversified over the years
Total Addressable Market (TAM)
The TAM for commercial real estate lending is in the trillions of dollars. Arbor's position is a mid sized company in the agency lending market. The growth of the firm depends on overall interest rates, the housing markets and the competition.
Upturn SWOT Analysis
Strengths
- Strong relationships with Fannie Mae and Freddie Mac
- Experienced management team
- Diversified product offerings
- Large servicing portfolio providing recurring revenue
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on GSEs for a significant portion of its business
- Credit risk associated with bridge loans
- Highly leveraged balance sheet
Opportunities
- Expanding into new geographic markets
- Increasing its presence in the small balance loan market
- Growing its fee-based servicing business
- Capitalizing on distressed assets
Threats
- Rising interest rates
- Increased competition from other lenders
- Economic downturn impacting property values
- Changes in GSE regulations
Competitors and Market Share
Key Competitors
- GRE
- WAFD
- BXMT
Competitive Landscape
Arbor has a strong position in agency lending, benefiting from long-standing relationships. However, it faces competition from larger, more diversified firms and specialized lenders. Arbor's servicing portfolio gives it a recurring revenue advantage.
Major Acquisitions
Arbor Commercial Mortgage, LLC
- Year: 2003
- Acquisition Price (USD millions):
- Strategic Rationale: The initial foundation of Arbor Realty Trust.
Growth Trajectory and Initiatives
Historical Growth: Arbor has experienced significant growth in its loan origination and servicing portfolios over the past decade.
Future Projections: Analyst estimates suggest continued growth in earnings and revenue, but these projections vary depending on macroeconomic conditions and interest rates.
Recent Initiatives: Recent initiatives include expanding its small balance loan program, investing in technology to improve efficiency, and diversifying its funding sources.
Summary
Arbor Realty Trust is a leading player in the commercial real estate finance market, particularly in agency lending. The company has grown significantly due to its strong relationships with GSEs, but the company is heavily impacted by fluctuations of interest rates. Its large servicing portfolio provides a stable revenue stream. Investors should monitor the economy for significant risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Earnings call transcripts
- Industry reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Arbor Realty Trust
Exchange NYSE | Headquaters Uniondale, NY, United States | ||
IPO Launch date 2004-04-07 | Chairman, President & CEO Mr. Ivan Paul Kaufman J.D. | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 659 | Website https://arbor.com |
Full time employees 659 | Website https://arbor.com | ||
Arbor Realty Trust, Inc. invests in a diversified portfolio of structured finance assets in the multifamily, single-family rental, and commercial real estate markets in the United States. The company operates through Structured Business and Agency Business segments. It primarily invests in bridge and mezzanine loans, including junior participating interests in first mortgages, and preferred and direct equity, as well as real estate-related joint ventures, real estate-related notes, and various mortgage-related securities. In addition, the company offers bridge financing products to borrowers who seek short-term capital to be used in an acquisition of property; financing by making preferred equity investments in entities that directly or indirectly own real property; mezzanine financing in the form of loans that are subordinate to a conventional first mortgage loan and senior to the borrower's equity in a transaction; junior participation financing in the form of a junior participating interest in the senior debt; and financing products to borrowers who are looking to acquire conventional, workforce, and affordable single-family housing. Further, it underwrites, originates, sells, and services multifamily mortgage loans through conduit/commercial mortgage-backed securities programs. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was incorporated in 2003 and is headquartered in Uniondale, New York.
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