Arbor Realty Trust (ABR) risk factors, FY2025 10-K

Other

1. 01The Agency Business may have adverse tax consequences
2. 02The “taxable mortgage pool” rules may increase the taxes that we may incur and reduce the amount of our distributions to our stockholders
3. 03The “taxable mortgage pool” rules may limit the manner in which we effect future securitizations
4. 04Complying with REIT requirements may cause us to forego otherwise attractive opportunities
5. 05Complying with REIT requirements may force us to liquidate otherwise attractive investments
6. 06We may be unable to generate sufficient revenue from operations to pay our operating expenses and to pay dividends to our stockholders
7. 07We may need to borrow funds to satisfy our REIT distribution requirements, and a portion of our distributions may constitute a return of capital. Debt service on any borrowings for this purpose will reduce our cash available for distribution
8. 08We may be subject to adverse legislative or regulatory tax changes that could reduce the market price of our common stock97% rewritten

General Risks

1. 09The price of our common stock may be volatile55% rewritten
2. 10common stock. If our future earnings or dividends are less than expected, it is likely that the market price of our common stock will diminishNew
3. 11A major public health crisis, including a pandemic, could cause severe disruptions to the U.S. and global economies and to our business and may have an adverse impact on our business, results of operations and financial condition
4. 12Unfavorable global economic and political conditions could adversely affect our business, financial condition or results of operations62% rewritten
5. 13Major bank failure or sustained financial market illiquidity could adversely affect our business, financial condition and results of operations
6. 14We depend on key personnel for our future success, the loss of whom could threaten our ability to operate our business successfully
7. 15The adverse resolution of a lawsuit could have a material adverse effect on our financial condition and results of operations
8. 16The impact of any terrorist attacks and the availability of terrorism insurance expose us to certain risks
9. 17The impact of any future laws, and amendments to current laws, may impact our business
10. 18Environmental, social and governance matters may cause us to incur additional costs and affect the attractiveness of our stock to investors22% rewritten
11. 19Climate change could have an adverse effect on both our borrowers and our financial condition and results of operations
12. 20We continue to incorporate AI solutions, and challenges with properly managing its use and failing to effectively develop AI, could result in reputational harm, competitive harm and legal liability, and adversely affect our results of operations