ARRMEDIUM SIGNALFINANCIAL10-K

ARMOUR Residential REIT substantially expanded its balance sheet while operating cash flow declined meaningfully and share count increased by 56%.

The company appears to be in a growth phase, with total assets expanding to $21.0B and stockholders' equity growing to $2.3B, funded through increased leverage and equity issuance. However, the decline in operating cash flow alongside higher dividend payments suggests potential strain on cash generation relative to shareholder distributions.

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

ARMOUR's balance sheet expanded substantially across all major categories, with assets, liabilities, and equity all growing by over 50%, indicating significant business scaling. Operating cash flow declined meaningfully while dividend payments grew notably, creating a concerning divergence between cash generation and shareholder distributions. The 56% increase in outstanding shares suggests equity financing was a key driver of the balance sheet expansion, though this dilutes existing shareholders.

FINANCIAL STATEMENT CHANGES
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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