ARRHIGH SIGNALFINANCIAL10-K

ARMOUR Residential REIT experienced a dramatic turnaround from -$14.4M net loss to $322.7M profit while substantially expanding its balance sheet and share count.

The 56% increase in outstanding shares (76M to 119M) suggests significant equity raises that funded the company's expansion, while the massive swing to profitability indicates either extraordinary gains or a fundamental improvement in the mortgage REIT's operating environment. The shift from MBS investments to primarily fixed-rate loans represents a notable strategic pivot in the company's investment approach.

Comparing 2026-02-18 vs 2025-02-12View on EDGAR →
FINANCIAL ANALYSIS

ARMOUR's financials show explosive growth with total assets expanding 55% to $21B and stockholders' equity surging 66% to $2.3B, funded by what appears to be substantial equity raises given the 56% increase in share count. The company swung from a $14.4M loss to a $322.7M profit while dramatically increasing shareholder returns through 74% higher dividends and 1,384% more share buybacks, though operating cash flow declined 52%. This combination of massive balance sheet expansion, profitability turnaround, and increased capital returns suggests either extraordinary market gains or a fundamental business transformation that significantly enhanced returns for this mortgage REIT.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+2341.8%
-$14.4M$322.7M

Net income grew 2341.8% — bottom-line growth signals improving overall business health.

Share Buybacks
Cash Flow
+1384.2%
$1.3M$19.9M

Share repurchases increased 1384.2% — management returning capital, signals confidence in intrinsic value.

Dividends Paid
Cash Flow
+74%
$163.0M$283.5M

Dividend payments increased 74% — management confidence in sustained cash generation.

Stockholders Equity
Balance Sheet
+66.1%
$1.4B$2.3B

Equity base grew 66.1% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Assets
Balance Sheet
+55%
$13.5B$21.0B

Asset base grew 55% — expansion through organic growth, acquisitions, or capital deployment.

Total Liabilities
Balance Sheet
+53.8%
$12.2B$18.7B

Liabilities grew 53.8% — significant increase in debt or obligations, assess impact on financial flexibility.

Operating Cash Flow
Cash Flow
-52.5%
$261.5M$124.2M

Operating cash flow fell 52.5% — earnings quality concerns; investigate working capital changes and non-cash items.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-12
ADDED
The number of outstanding shares of the Registrant s common stock as of February 17, 2026 was 119,384,920 .
Form 10-K Summary 116 Signatures II- 1 PART I ARMOUR Residential REIT, Inc.
ARMOUR owns a 10.8% equity interest in BUCKLER Securities LLC ("BUCKLER"), a Delaware limited liability company and a FINRA-regulated broker-dealer, which is under common control with ACM.
The Company is managed by ACM, an investment advisor registered with the Securities and Exchange Commission ("SEC") (which registration the Company provides notice of to the state of Florida) (see Note 8 and Note 14 to the consolidated financial statements).
Assets At December 31, 2025, our investments in securities included mortgage backed securities ("MBS"), issued or guaranteed by a United States ("U.S.") Government-sponsored entity ("GSE"), such as the Federal National Mortgage Association ("Fannie Mae"), the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or a government agency such as Government National Mortgage Administration ("Ginnie Mae") (collectively, "Agency Securities") and U.S.
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REMOVED
The number of outstanding shares of the Registrant s common stock as of February 11, 2025 was 76,414,932 .
ARMOUR owns a 10.8% equity interest in BUCKLER Securities LLC ("BUCKLER"), a Delaware limited liability company and a FINRA-regulated broker-dealer, controlled by ACM.
The Company is managed by ACM, an investment advisor registered with the Securities and Exchange Commission ("SEC") (which registration the Company provides notice of to the state of Florida), (see Note 9 and Note 15 to the consolidated financial statements).
Assets At December 31, 2024 and December 31, 2023, we invested in mortgage backed securities ("MBS"), issued or guaranteed by a United States ("U.S.") Government-sponsored entity ("GSE"), such as the Federal National Mortgage Association ("Fannie Mae"), the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or a government agency such as Government National Mortgage Administration ("Ginnie Mae") (collectively, "Agency Securities").
Our borrowings (on a recourse basis) are generally between six and ten times the amount of our total stockholders equity, but we are not limited to that range.
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