LUMENT FINANCE TRUST REPORTS Q4 NET LOSS OF USD 8.9 MILLION

Written by Emily J. Thompson, Senior Investment Analyst

Source: moomoo

Updated: Mar 23 2026

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Source: moomoo

Financial Performance: Lumen Finance Trust reported a net income of USD 8.9 million for the fourth quarter.
Quarterly Results: The financial results indicate a significant performance metric for the trust in the latest reporting period.

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Analyst Views on LFT

Wall Street analysts forecast LFT stock price to rise

3 Analyst Rating

1 Buy

2 Hold

0 Sell

Moderate Buy

Current: 1.280

Low

3.25

Averages

3.25

High

3.25

Current: 1.280

Low

3.25

Averages

3.25

High

3.25

Jones Trading

Jason Weaver

Hold

Maintains

n/a

2025-04-01

Reason

Jones Trading

Jason Weaver

Price Target

n/a

AI Analysis

2025-04-01

Maintains

Hold

Reason

About LFT

Lument Finance Trust, Inc. is a real estate investment trust (REIT). The Company is focused on investing in, originating, financing and managing a portfolio of commercial real estate (CRE) debt investments. It primarily invests or originates in transitional floating rate CRE mortgage loans with an emphasis on middle-market multifamily assets. The Company also invests in other CRE-related investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed rate loans, construction loans and other CRE debt instruments. It finances its investments in transitional multifamily and other CRE loans primarily through matched-term non-recourse secured borrowings, including collateralized loan obligations (CLO). Its mortgage loan investment portfolio consists of approximately 65 senior secured floating rate loans with an aggregate unpaid principal balance of $1.1 billion. The Company is externally managed by its manager, Lument Investment Management, LLC.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

LFT Reports Q4 2025 Earnings with Mixed Results

Mar 24 2026Yahoo Finance

Financial Performance Overview: Lument Finance Trust Inc (NYSE:LFT) reported a GAAP net loss of $0.17 per share for Q4 2025, while distributable earnings were approximately $0.14 per share, indicating pressure on profitability and reflecting the company's vulnerability amid market volatility.
Stable Dividend Maintenance: The company declared a quarterly dividend of $0.04 per common share for Q4 2025 and Q1 2026, maintaining consistency in shareholder returns despite financial challenges, demonstrating confidence in future cash flows.
Rising Credit Risks: In Q4 2025, LFT recorded a provision for credit losses of approximately $8.6 million, with eight loans rated risk level 5, indicating potential credit issues that could impact future financial stability.
Strong Liquidity Position: As of December 31, 2025, the company had approximately $23 million in unrestricted cash, indicating a robust liquidity position to support capital deployment and portfolio management, despite facing high operating expenses and legal costs.

Lument Finance Trust Q4 2025 Earnings Call Insights

Mar 24 2026seekingalpha

Financial Performance Overview: Lument Finance Trust reported a net loss of $0.17 per share for Q4 2025, with distributable earnings approximately zero, although net interest income slightly improved to $5.3 million, indicating resilience in a challenging environment.
Capital Deployment Strategy: CEO James Flynn emphasized a cautious approach to capital deployment despite improved liquidity in capital markets, focusing on strong credit fundamentals and risk-adjusted returns to navigate evolving monetary policy and geopolitical risks.
Financing Arrangement Updates: The company secured an uncommitted master repurchase agreement with JPMorgan Chase providing up to $450 million and closed the $664 million LMNT 2025-FL3 CLO transaction, showcasing enhanced financing capabilities, although transaction activity remains below historical averages.
Future Outlook and Risks: Management maintains a cautious outlook, highlighting uneven recovery in commercial real estate, ongoing monetary policy uncertainty, and rising capital costs as key risks, emphasizing continued monitoring of troubled assets and increasing credit loss reserves.

Lument Finance Trust Reports 2025 Financial Results

Mar 23 2026PRnewswire

Financial Loss Overview: Lument Finance Trust reported a GAAP net loss of $8.9 million for Q4 2025, translating to a loss of $0.17 per share, with a total annual loss of $7.5 million or $0.14 per share, indicating ongoing financial challenges that may impact investor confidence.
Distributable Earnings Analysis: The distributable loss for Q4 2025 was $0.2 million, while the full year showed distributable earnings of $7.6 million or $0.14 per share, suggesting an improvement over the year but the quarterly loss could negatively affect shareholder dividend expectations.
Investor Communication Plans: The company is set to host a conference call on March 24, 2026, to provide a business update and discuss financial results, which is expected to attract investor attention and may influence stock price volatility.
Non-GAAP Financial Metrics: The company emphasizes distributable earnings as a non-GAAP financial measure, providing additional analytical perspectives, but it should not replace GAAP net income, potentially leading to investor concerns regarding financial transparency.

Lument Finance Trust Reports 2025 Financial Results

Mar 23 2026Newsfilter

Financial Loss Overview: Lument Finance Trust reported a GAAP net loss of $8.9 million for Q4 2025, translating to a loss of $0.17 per share, with a total annual loss of $7.5 million or $0.14 per share, indicating significant financial pressure that may undermine investor confidence.
Distributable Earnings Analysis: The company recorded a distributable loss of $0.2 million for Q4 2025, equating to $0.00 per share, while full-year distributable earnings were $7.6 million or $0.14 per share, suggesting an improvement over the year but short-term losses could affect dividend expectations.
Investor Communication Plans: A conference call is scheduled for March 24, 2026, to provide business updates and discuss financial results, which is expected to draw investor attention and may have a short-term impact on stock price.
Non-GAAP Financial Metrics: The company emphasizes distributable earnings as a non-GAAP measure, which, while not a substitute for GAAP net income, offers supplemental insights into financial health, potentially influencing investor assessments of future performance.

Lument Finance Trust Reports Q4 Earnings Miss

Mar 23 2026seekingalpha

Earnings Report Miss: Lument Finance Trust reported a Q4 GAAP EPS of -$0.17, missing expectations by $0.24, indicating significant challenges in profitability that could undermine investor confidence.
Historical Performance Review: Historical financial data shows considerable volatility in Lument Finance Trust's earnings, and the recent earnings miss may heighten market concerns regarding its future performance, potentially impacting stock price.
Dividend Analysis: Despite the earnings miss, the dividend record of Lument Finance Trust remains a point of interest, as investors may evaluate the sustainability of its dividend policy to assess future cash flow prospects.
Market Reaction Expectations: Given the earnings miss in Q4, the market is likely to react negatively to Lument Finance Trust's stock price, prompting investors to closely monitor subsequent market dynamics and potential strategic adjustments by the company.