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Upturn AI SWOT - About
ABR 
Arbor Realty Trust (ABR)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/31/2025: ABR (2-star) is currently NOT-A-BUY. Pass it for now.
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 42.8% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.14B USD | Price to earnings Ratio 11.21 | 1Y Target Price 11.62 |
Price to earnings Ratio 11.21 | 1Y Target Price 11.62 | ||
Volume (30-day avg) 4 | Beta 1.31 | 52 Weeks Range 8.22 - 14.01 | Updated Date 11/1/2025 |
52 Weeks Range 8.22 - 14.01 | Updated Date 11/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-24 | When - | Estimate 0.25 | Actual 0.35 |
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 11.21 | Forward PE - | Enterprise Value 12905460736 | Price to Sales(TTM) 3.56 |
Enterprise Value 12905460736 | Price to Sales(TTM) 3.56 | ||
Enterprise Value to Revenue 15.76 | Enterprise Value to EBITDA - | Shares Outstanding 192301414 | Shares Floating 184559359 |
Shares Outstanding 192301414 | Shares Floating 184559359 | ||
Percent Insiders 2.67 | Percent Institutions 62.21 |
Upturn AI SWOT
Arbor Realty Trust
Company Overview
History and Background
Arbor Realty Trust, Inc. was founded in 1983. Initially focused on originating and servicing mortgage loans, it evolved into a real estate investment trust (REIT) specializing in multifamily and commercial real estate finance.
Core Business Areas
- Structured Business: Originates and services bridge loans, mezzanine loans, and preferred equity investments for multifamily and commercial real estate properties. This segment generates revenue from origination fees, interest income, and servicing fees.
- Agency Business: Originates and sells multifamily mortgage loans through government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, as well as through the FHA. Generates revenue through loan origination and sales premiums.
Leadership and Structure
Ivan Kaufman is the Chairman, President, and CEO. The company has a board of directors responsible for overseeing the company's strategy and operations. The organizational structure is divided into business segments, with dedicated teams for origination, servicing, and asset management.
Top Products and Market Share
Key Offerings
- Bridge Loans: Short-term financing solutions for properties undergoing renovation, repositioning, or stabilization. Market share data varies depending on the specific sub-segment, but Arbor is a significant player. Competitors include Blackstone Mortgage Trust, Starwood Property Trust, and other REITs specializing in bridge lending.
- Agency Loans (Fannie Mae, Freddie Mac, FHA): Multifamily mortgage loans originated and sold through GSEs. Arbor is a top-tier originator and servicer in this market. Competitors include Walker & Dunlop, CBRE Capital Markets, and Greystone.
Market Dynamics
Industry Overview
The commercial real estate finance industry is influenced by interest rates, economic growth, property values, and regulatory changes. Demand for financing is driven by property acquisitions, developments, and refinancings.
Positioning
Arbor is positioned as a leading provider of financing solutions for the multifamily and commercial real estate markets, with a focus on GSE lending and structured finance. Its competitive advantages include its strong relationships with GSEs and its expertise in underwriting and servicing complex transactions.
Total Addressable Market (TAM)
The commercial real estate lending market is substantial, exceeding trillions of dollars. Arbor is well-positioned to capture a portion of this market through its focus on multifamily and GSE lending.
Upturn SWOT Analysis
Strengths
- Strong relationships with GSEs (Fannie Mae, Freddie Mac, FHA)
- Experienced management team
- Diversified revenue streams (origination, servicing, sales)
- Solid track record in multifamily lending
- Disciplined underwriting standards
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on GSE programs
- Credit risk associated with bridge loans
- Geographic concentration in certain markets
- High dividend payout ratio may limit retained earnings
Opportunities
- Expansion into new markets and product lines
- Increased demand for multifamily housing
- Growing need for bridge financing
- Technological innovation in lending processes
- Strategic acquisitions of complementary businesses
Threats
- Rising interest rates
- Economic recession
- Increased competition
- Changes in GSE regulations
- Credit losses on loan portfolio
Competitors and Market Share
Key Competitors
- BXMT
- STWD
- WMC
Competitive Landscape
Arbor's advantage lies in its GSE relationships. Disadvantages include sensitivity to interest rate fluctuations and reliance on the GSE market.
Growth Trajectory and Initiatives
Historical Growth: Arbor has experienced significant growth in recent years, driven by its expansion in multifamily lending and its strong relationships with GSEs.
Future Projections: Analysts project continued growth for Arbor, driven by the increasing demand for multifamily housing and the company's strategic initiatives. However, growth is dependent on prevailing interest rates and economic conditions.
Recent Initiatives: Recent initiatives include expanding its product offerings, investing in technology to improve efficiency, and strengthening its relationships with key partners.
Summary
Arbor Realty Trust is a strong player in the multifamily lending market, benefiting from its relationships with GSEs. However, its sensitivity to interest rates and reliance on GSE programs pose risks. The company's growth prospects are tied to the continued strength of the multifamily market. Careful monitoring of economic conditions and interest rate trends is crucial for Arbor's continued success. A recent slowdown in growth indicates a need to diversify revenue streams.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly. Conduct thorough research before making investment decisions.
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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