Kenneth J. Bacon - 26 Nov 2025 Form 4 Insider Report for ARBOR REALTY TRUST INC (ABR)

Role: Director
Signature: /s/ John Bishar, Attomey-in-Fact for Kenneth J. Bacon
Issuer symbol: ABR
Transactions as of: 26 Nov 2025
Net transactions value: +$3,025
Form type: 4
Filing time: 01 Dec 2025, 16:16:01 UTC
Previous filing: 21 Nov 2025
Next filing: 27 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
BACON KENNETH J	Director	C/O ARBOR REALTY TRUST, INC., 333 EARLE OVINGTON BLVD, SUITE 900, UNIONDALE	/s/ John Bishar, Attomey-in-Fact for Kenneth J. Bacon	01 Dec 2025	0001204117

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	ABR	Restricted Stock Units	Award	$3,025	+335	+3.3%	$9.03	10,426	26 Nov 2025	Common Stock, par value $0.01 per share	335		Direct	F1

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

Content

On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.