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Apollo Commercial Real Estate Finance (NYSE:ARI) Q3 2025 Earnings Call October 31, 2025 10:00 AM ET Speaker3I'd like to remind everyone that today's call and webcast are being recorded. Please note that they are the property of Apollo Commercial Real Estate Finance Inc. and that any unauthorized broadcast in any form is strictly prohibited. Information about the audio replay of this call is available in our earnings press release. I'd also like to call your attention to the customary safe harbor disclosure ...

Financial Performance - Net income available to common stockholders was $48 million, or $0.34 per diluted share[12] - Distributable Earnings were $42 million, or $0.30 per diluted share[12] - Declared common stock dividends of $0.25 per share, implying a dividend yield of 9.9%[12] Loan Portfolio - Total loan portfolio was $8.3 billion with a weighted-average unlevered all-in yield of 7.7%[12] - 98% of the portfolio consists of first mortgages and 98% is floating rate[12] - $1.0 billion in new loan commitments were closed in Q3, with $807 million funded at close, part of $3.0 billion committed year-to-date with $2.2 billion funded at close[12] - Loan repayments and sales totaled $1.3 billion in Q3, contributing to $2.1 billion year-to-date[12] Capitalization and Liquidity - Total common equity book value ended the quarter at $1.8 billion[12] - Total liquidity at the end of the quarter was $312 million, including $259 million in cash[12] - A new secured credit facility was closed, providing an additional $280 million of borrowing capacity[12] - Borrowing capacity under the revolving credit facility increased by $115 million to $275 million, extending the maturity date to August 2028[12] REO Overview - Total REO (Real Estate Owned) held for investment is valued at $846 million, with $403 million in debt, resulting in $443 million in equity[20]

Core Points - Ready Capital Corporation will release its third quarter 2025 financial results on November 6, 2025, after the market closes [1] - A webcast and conference call will be held on November 7, 2025, at 8:30 a.m. Eastern Time to discuss the financial results [1] Company Overview - Ready Capital Corporation is a multi-strategy real estate finance company that focuses on originating, acquiring, financing, and servicing lower-to-middle-market commercial real estate loans [5] - The company specializes in loans backed by commercial real estate, including agency multifamily, investor, construction, and bridge loans, as well as U.S. Small Business Administration loans [5] - Headquartered in New York, the company employs approximately 500 professionals nationwide [5]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Core Viewpoint - Angel Oak Mortgage (AOMR) is anticipated to report a year-over-year increase in earnings driven by higher revenues, with the actual results being a significant factor influencing its near-term stock price [1][2]. Earnings Expectations - The upcoming earnings report is scheduled for November 6, and if the reported figures exceed expectations, the stock may experience an upward movement; conversely, a miss could lead to a decline [2]. - The consensus estimate for quarterly earnings is projected at $0.28 per share, reflecting a year-over-year increase of 300%, while revenues are expected to reach $37.25 million, marking a 35.8% increase from the previous year [3]. Estimate Revisions - Over the last 30 days, the consensus EPS estimate has been revised down by 2.84%, indicating a reassessment by analysts regarding the company's earnings outlook [4]. - The Most Accurate Estimate for Angel Oak is higher than the Zacks Consensus Estimate, resulting in a positive Earnings ESP of +7.14%, suggesting a bullish sentiment among analysts [12]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that a positive Earnings ESP is a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 1 (Strong Buy), 2 (Buy), or 3 (Hold) [10]. - Angel Oak currently holds a Zacks Rank of 3, which, in conjunction with the positive Earnings ESP, suggests a likelihood of beating the consensus EPS estimate [12]. Historical Performance - In the last reported quarter, Angel Oak was expected to post earnings of $0.27 per share but only achieved $0.11, resulting in a surprise of -59.26% [13]. - Over the past four quarters, the company has only beaten consensus EPS estimates once [14]. Conclusion - While the potential for an earnings beat exists, other factors may also influence stock performance, making it essential for investors to consider the broader context beyond just earnings results [15][17].

NYSE:NREF 1Q 2022 FINANCIAL SUPPLEMENT 3Q 2025 Financial Supplement October 30, 2025 CONTACT NEXPOINT REAL ESTATE FINANCE (NYSE:NREF) 300 Crescent Court, Suite 700 Dallas, Texas 75201 (w) nref.nexpoint.com INVESTOR RELATIONS Kristen Griffith (e) kgriffith@nexpoint.com 28 APRIL 2022 NYSE:NR EF Cautionary Statements FORWARD LOOKING STATEMENTS This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's current ...

Core Insights - First Foundation (FFWM) reported quarterly earnings of $0.16 per share, significantly exceeding the Zacks Consensus Estimate of $0.02 per share, marking an earnings surprise of +700% [1] - The company generated revenues of $63.6 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 2.74% and showing an increase from $61.06 million year-over-year [2] - The stock has underperformed the market, losing approximately 14.2% since the beginning of the year compared to the S&P 500's gain of 17.2% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.05 on revenues of $64.15 million, and for the current fiscal year, it is $0.09 on revenues of $245.1 million [7] - The estimate revisions trend for First Foundation was favorable prior to the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - Southwest industry, to which First Foundation belongs, is currently ranked in the top 14% of over 250 Zacks industries, suggesting a favorable outlook for stocks within this sector [8]

Core Viewpoint - NexPoint Real Estate Finance, Inc. reported stable earnings and cash available for distribution, focusing on high-quality investments in resilient sectors such as life sciences, self-storage, and workforce rental housing [3][4][7]. Financial Performance - For the quarter ended September 30, 2025, the company reported net income attributable to common stockholders of $35.0 million, or $1.14 per diluted share [1]. - Cash available for distribution was $12.1 million, or $0.53 per diluted common share [2]. - The company anticipates fourth quarter 2025 earnings available for distribution (EAD) per diluted common share guidance at $0.48 at the midpoint [6]. Investment Portfolio - The total portfolio is valued at $1.1 billion, consisting of 88 investments, with allocations of 15.9% in single-family rentals, 47.3% in multifamily, 33.9% in life sciences, 1.8% in self-storage, and 1.1% in marinas as of September 30, 2025 [7]. - The weighted-average loan to value (LTV) ratio is 54.9%, and the debt service coverage ratio (DSCR) is 1.41x [7]. Capital Allocation and Strategy - The company continues to deploy capital into high-quality investments, maintaining a disciplined approach to capital allocation [3]. - During the third quarter, the company purchased $42.5 million of preferred stock and funded $6.5 million on a loan with a monthly coupon of SOFR + 900 bps [7]. Dividends and Stock Offering - A fourth quarter dividend of $0.50 per common share was announced on October 28, 2025 [7]. - The company raised $65.7 million in gross proceeds from a Series B preferred stock offering during the quarter [7].