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ABR vs PFSI

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Arbor Realty Trust, Inc. and PennyMac Financial Services, Inc. Common Stock

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Daily close · 2026-10-22

Price return

Both stocks start at 0% on the first shared trading day.

ABR-78.58%
PFSI1.86%
Price return: ABR and PFSIHistorical recorded observations on the same scale. Missing metrics leave gaps.-100%-31%38%106%175%202120222023202420252026

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Split-adjusted closing prices. Dividends are excluded.Year ranges begin January 1 of the end year minus the selected years.
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CONTEXT ATTACHEDABR + PFSIPrices, financials and SEC filing evidence

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Similarity
100.0%
2 shared / 2 total tags

How similar are their businesses?

The score compares business activities in annual filings released in 2025. Core activities receive four times the weight of material activities. Industries that fewer companies share carry more weight.

BankingFinancial Services
How we measure overlap ↗
The businesses behind the score

Industry overlap

Filing-derived business activity overlapCounts of retained positive business classifications. Circle sizes do not encode the counts or the weighted similarity score.ABR only0Shared2PFSI only0

ABR only · 0

No activities in this group.

Shared activities · 2

PFSI only · 0

No activities in this group.

Positive activities from the two selected annual filings. Expand each group to view all its activities, or use the complete table below. These are classification sets, not revenue shares. The weighted similarity score also accounts for exposure and how common each activity is.
Show business activity table · 2 rows, 3 columns

Core activities receive full weight; material activities receive one quarter. Select a tag to read the filing evidence.

Business activityABRPFSI
CoreCore
CoreCore

Banking

ABR Core

Annual filing released 2025-02-21 · GPT 6 Luna

Item 1. Business In this Annual Report on Form 10-K we refer to Arbor Realty Trust, Inc. and subsidiaries as “Arbor,” “we,” “us,” “our,” or the “Company” unless we specifically state otherwise, or the context indicates otherwise. Overview Arbor is a Maryland corporation formed in 2003. We are a nationwide real estate investment trust (“REIT”) and direct lender, providing loan origination and servicing for commercial real estate assets.
We operate through two business segments: our Structured Loan Origination and Investment Business, or “Structured Business,” and our Agency Loan Origination and Servicing Business, or “Agency Business.” Through our Structured Business, we invest in a diversified portfolio of structured finance assets in the multifamily, single-family rental (“SFR”) and commercial real estate markets, primarily consisting of bridge loans, in addition to mezzanine loans, junior participating interests in first mortgages and preferred equity.
Read the annual filing ↗

PFSI Core

Annual filing released 2025-02-19 · GPT 6 Luna

We operate and control all of the business and affairs and consolidate the financial results of Private National Mortgage Acceptance Company, LLC (“PNMAC”) and its subsidiaries described below: ● Our principal mortgage banking subsidiary, PennyMac Loan Services, LLC (“PLS”), is a non-bank producer and servicer of mortgage loans. PLS is a seller/servicer for the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”), each of which is a government-sponsored entity (“GSE”). PLS is also an approved issuer of securities guaranteed by the Government National Mortgage Association (“Ginnie Mae”), a lender of the Federal Housing Administration (“FHA”), and a lender/servicer of the U.S. Department of Veterans Affairs (“VA”) and the United States Department of Agriculture (“USDA”).
Our loan production segment sources new prime credit quality residential conventional and government-insured or guaranteed mortgage loans through three channels: correspondent production, broker direct lending and consumer direct lending as described below. Correspondent Production In correspondent production we manage, for our own account and on behalf of PMT, the purchase from non-affiliates of mortgage loans that have been underwritten to investor guidelines. Our correspondent loans historically have been directed to each entity based on the guarantor of the mortgage-backed securities (“MBS”) created from the loans: our production focus has historically been on loans insured or guaranteed by the FHA, VA or USDA for sale into MBS guaranteed by Ginnie Mae, whereas PMT’s production focus has been on loans that can be sold into MBS guaranteed by Fannie Mae or Freddie Mac.
Read the annual filing ↗

Financial Services

ABR Core

Annual filing released 2025-02-21 · GPT 6 Luna

Item 1. Business In this Annual Report on Form 10-K we refer to Arbor Realty Trust, Inc. and subsidiaries as “Arbor,” “we,” “us,” “our,” or the “Company” unless we specifically state otherwise, or the context indicates otherwise. Overview Arbor is a Maryland corporation formed in 2003. We are a nationwide real estate investment trust (“REIT”) and direct lender, providing loan origination and servicing for commercial real estate assets.
We operate through two business segments: our Structured Loan Origination and Investment Business, or “Structured Business,” and our Agency Loan Origination and Servicing Business, or “Agency Business.” Through our Structured Business, we invest in a diversified portfolio of structured finance assets in the multifamily, single-family rental (“SFR”) and commercial real estate markets, primarily consisting of bridge loans, in addition to mezzanine loans, junior participating interests in first mortgages and preferred equity.
Read the annual filing ↗

PFSI Core

Annual filing released 2025-02-19 · GPT 6 Luna

We are a specialty financial services firm with a comprehensive mortgage platform and integrated business primarily focused on the production and servicing of U.S. residential mortgage loans (activities which we refer to as mortgage banking). We are also engaged in the management of investments related to the U.S. mortgage market and providing products and services that leverage innovative technologies to effectively and efficiently support our customers. We believe that our operating capabilities, specialized expertise, access to long-term investment capital, and experience across all aspects of the mortgage business will allow us to profitably grow these activities over time and capitalize on other related opportunities as they arise.
We operate and control all of the business and affairs and consolidate the financial results of Private National Mortgage Acceptance Company, LLC (“PNMAC”) and its subsidiaries described below: ● Our principal mortgage banking subsidiary, PennyMac Loan Services, LLC (“PLS”), is a non-bank producer and servicer of mortgage loans. PLS is a seller/servicer for the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”), each of which is a government-sponsored entity (“GSE”). PLS is also an approved issuer of securities guaranteed by the Government National Mortgage Association (“Ginnie Mae”), a lender of the Federal Housing Administration (“FHA”), and a lender/servicer of the U.S. Department of Veterans Affairs (“VA”) and the United States Department of Agriculture (“USDA”).
Read the annual filing ↗
What each company does

Compare the businesses

Arbor Realty Trust, Inc.

ABR · XNYS

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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PennyMac Financial Services, Inc. Common Stock

PFSI · XNYS

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan servicing for newly originated loans that are under holding for sale and loans services for others. The segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs. The company was founded in 2008 and is headquartered in Westlake Village, California.

Open PFSI dashboard ↗
Financial data

Fundamentals side by side

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Show fundamentals table · 11 rows, 3 columns
MetricABRPFSI
ExchangeXNYSXNYS
SectorReal EstateFinancial Services
IndustryREIT - MortgageMortgage Finance
Market observation2026-10-222026-10-22
Closing price (USD)$2.96$63.36
Market cap (USD)$552.21M$3.29B
P/E (TTM)9.36×8.39×
Latest annual period2025-12-312025-12-31
Revenue (annual, USD)$510.40M$2.05B
Net income (annual, USD)$157.83M$501.08M
Gross margin (annual)UnavailableUnavailable

USD values from stored observations. Fiscal period endings and availability dates may differ.

ABR period ended 2025-12-31 · available 2026-02-27 · SEC filing ↗PFSI period ended 2025-12-31 · available 2026-02-20 · SEC filing ↗

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Behind the comparison

Sources and methodology

Price return uses split-adjusted daily closes and excludes dividends. Both stocks start on the first shared trading day within the selected window. Unavailable metrics leave gaps.

Financials use SEC canonical statements available by the displayed cutoff, retaining each company's fiscal period end. Annual and quarterly amounts are shown separately. P/E is unavailable when earnings do not support a positive ratio.

Business overlap uses industry tags from annual filings released in 2025. Each core activity receives full weight; each material activity receives one quarter of that weight. Rarer industries carry more weight. We sum the smaller exposure for each shared activity and divide it by the sum of the larger exposure for every activity in either company. This measures business overlap, rather than price correlation or expected returns.

Search eligibility requires distinct issuers, a shared core category and at least 20% weighted overlap, supported by industry or sector evidence and specific business activities. Broad classifications require stronger overlap within the same sector. Comparisons also need at least 252 shared price observations within two years, recent trading and a common sourced revenue or net-income trend. Missing P/E or gross margin alone does not exclude a comparison. The eligibility snapshot refreshes daily. Related comparisons use a separate, stricter peer rule; their ten-peer discovery limit does not limit search eligibility. Other stock pairs remain available in the comparison tool.

Statements available through 2026-10-24. Industry snapshot: 2025-12-31 · 5,721 classified issuers.

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