NYSE : LFT
Lument Finance Trust, Inc. — Financial statements
Real Estate · REIT - Mortgage · United States
Last price 3.8854 USD (Nov 2, 2026, 10:39 AM EST) · Market cap 20.39M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 76.23M | 79.00M | 122.13M | 109.19M | 56.69M | 36.19M |
| Total Interest Expense | 55.61M | 53.89M | 80.77M | 74.80M | 32.81M | 15.51M |
| Net Interest Income | 20.62M | 25.11M | 41.36M | 34.39M | 23.87M | 20.68M |
| Mortgage Banking | 190.79K | 176.95K | 137.23K | 209.00K | 347.84K | 398.94K |
| Other Revenue | -10.91K | |||||
| Revenue Before Loan Losses | 20.81M | 25.29M | 41.49M | 34.60M | 24.22M | 21.07M |
| Provision for Loan Losses | 16.49M | 14.39M | 5.28M | 2.52M | 4.26M | |
| Revenue | 4.32M | 10.90M | 36.22M | 32.08M | 19.96M | 21.07M |
| Cost of Services Provided | 11.21M | 10.71M | 13.27M | 10.10M | 10.02M | 8.16M |
| Other Operating Expenses | 5.21M | 2.45M | 277.17K | 2.26M | 66.14K | 637.74K |
| Total Operating Expenses | 16.42M | 13.16M | 13.55M | 12.36M | 10.09M | 8.80M |
| Operating Income | -12.11M | -2.27M | 22.67M | 19.72M | 9.87M | 12.27M |
| EBT Excluding Unusual Items | -12.58M | -2.74M | 22.67M | 19.72M | 9.87M | 12.27M |
| Other Unusual Items | -1.15M | -1.66M | ||||
| Pretax Income | -13.73M | -2.74M | 22.67M | 19.72M | 9.87M | 10.61M |
| Income Tax Expense | -11.67K | 8.19K | 18.81K | 5.72K | 11.09K | 77.89K |
| Net Income | -13.72M | -2.75M | 22.65M | 19.71M | 9.86M | 10.53M |
| Preferred Dividends & Other Adjustments | 4.74M | 4.74M | 4.74M | 4.74M | 4.74M | 3.11M |
| Net Income to Common | -18.46M | -7.49M | 17.91M | 14.97M | 5.12M | 7.41M |
| Shares Outstanding (Basic) | 5.24M | 5.23M | 5.23M | 5.22M | 4.83M | 2.49M |
| Shares Outstanding (Diluted) | 5.24M | 5.23M | 5.23M | 5.22M | 4.83M | 2.49M |
| EPS (Basic) | -3.52 | -1.43 | 3.43 | 2.87 | 1.06 | 2.97 |
| EPS (Diluted) | -3.52 | -1.43 | 3.43 | 2.87 | 1.06 | 2.97 |
| Dividend Per Share | 1.60 | 2.20 | 3.10 | 2.60 | 2.40 | 3.60 |
| Operating Margin | -280.49% | -20.78% | 62.59% | 61.48% | 49.46% | 58.24% |
| Profit Margin | -427.68% | -68.68% | 49.45% | 46.68% | 25.66% | 35.20% |
| Effective Tax Rate | 0.08% | 0.03% | 0.11% | 0.73% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 28.98M | 23.11M | 69.17M | 51.25M | 43.86M | 14.75M |
| Loans & Lease Receivables | 991.66M | 1.11B | 1.05B | 1.38B | 1.07B | 1.00B |
| Other Receivables | 4.51M | 20.88M | 5.95M | 8.59M | 5.80M | 26.38M |
| Property, Plant & Equipment | 50.72M | 26.84M | ||||
| Other Intangible Assets | 506.73K | 554.25K | 649.29K | 691.97K | 795.66K | 552.00K |
| Restricted Cash | 25.70M | 3.51M | 2.39M | 270.13K | 3.51M | 3.53M |
| Other Current Assets | 10.88M | 24.10M | ||||
| Other Long-Term Assets | 2.50M | 2.94M | 1.63M | 2.25M | 2.12M | 1.89M |
| Total Assets | 1.12B | 1.22B | 1.13B | 1.45B | 1.13B | 1.05B |
| Accounts Payable | 147.80K | |||||
| Accrued Expenses | 4.49M | 3.30M | 4.27M | 5.68M | 3.97M | 2.53M |
| Long-Term Debt | 901.49M | 988.10M | 875.86M | 1.19B | 876.28M | 873.63M |
| Other Current Liabilities | 3.10M | 3.09M | 9.89M | 4.65M | 4.13M | 3.24M |
| Other Long-Term Liabilities | 1.56M | 2.41M | 672.82K | 2.37M | 583.99K | |
| Total Liabilities | 910.64M | 996.89M | 890.70M | 1.21B | 884.96M | 879.55M |
| Common Stock | 524.86K | 524.00K | 523.09K | 522.49K | 522.25K | 249.43K |
| Additional Paid-In Capital | 314.99M | 314.89M | 314.70M | 314.59M | 314.60M | 233.83M |
| Retained Earnings | -168.05M | -153.68M | -134.68M | -131.67M | -129.47M | -122.06M |
| Total Common Equity | 147.46M | 161.73M | 180.54M | 183.44M | 185.65M | 112.02M |
| Minority Interest | 99.50K | 99.50K | 99.50K | 99.50K | 99.50K | 99.50K |
| Shareholders' Equity | 204.82M | 219.09M | 237.90M | 240.79M | 243.00M | 169.38M |
| Total Liabilities & Equity | 1.12B | 1.22B | 1.13B | 1.45B | 1.13B | 1.05B |
| Total Debt | 901.49M | 988.10M | 875.86M | 1.19B | 876.28M | 873.63M |
| Net Cash (Debt) | -872.51M | -964.98M | -806.69M | -1.14B | -832.42M | -858.88M |
| Net Cash Per Share | -166.51 | -184.35 | -154.32 | -218.68 | -172.19 | -344.30 |
| Filing Date Shares Outstanding | 5.25M | 5.24M | 5.23M | 5.22M | 5.22M | 5.22M |
| Total Common Shares Outstanding | 5.25M | 5.24M | 5.23M | 5.22M | 5.22M | 2.49M |
| Working Capital | 1.05B | 1.18B | 1.11B | 1.43B | 1.12B | 1.04B |
| Book Value Per Share | 28.10 | 30.87 | 34.51 | 35.11 | 35.54 | 44.90 |
| Tangible Book Value | 147.46M | 161.73M | 180.54M | 183.44M | 185.65M | 112.02M |
| Tangible Book Value Per Share | 28.10 | 30.87 | 34.51 | 35.11 | 35.54 | 44.90 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -13.72M | -2.75M | 22.65M | 19.71M | 9.86M | 10.53M |
| Depreciation & Amortization | 1.34M | 779.26K | ||||
| Other Amortization | 2.25M | 1.48M | 3.18M | 3.26M | 2.77M | 2.16M |
| Gain on Sale of Loans & Receivables | -1.71M | -1.92M | -3.53M | -1.05M | -63.95K | 411.66K |
| Provision for Credit Losses | 16.44M | 14.39M | 5.26M | 2.52M | 4.26M | |
| Stock-Based Compensation | 210.00K | 189.99K | 147.44K | 6.19K | 15.98K | 15.61K |
| Change in Accounts Payable | -757.87K | -828.09K | -1.39M | 1.73M | 1.66M | 271.12K |
| Change in Other Net Operating Assets | 1.17M | 385.84K | -1.09M | 1.59M | -9.37K | 422.72K |
| Other Operating Activities | -1.63M | -2.70M | -729.12K | -245.33K | -385.31K | 2.00M |
| Operating Cash Flow | 6.47M | 10.10M | 27.13M | 24.74M | 16.29M | 13.85M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -161.49M | -152.32M | 332.60M | -316.72M | -52.60M | -477.29M |
| Other Investing Activities | 4.76M | 3.51M | 1.49M | 763.25K | ||
| Investing Cash Flow | -139.00M | -142.92M | 334.09M | -316.72M | -51.83M | -477.29M |
| Long-Term Debt Issued | 1.04B | 317.70M | 841.25M | |||
| Total Debt Issued | 1.23B | 1.04B | 317.70M | 841.25M | ||
| Long-Term Debt Repaid | -917.81M | -320.75M | -465.32M | |||
| Total Debt Repaid | -1.08B | -917.81M | -320.75M | -465.32M | ||
| Net Debt Issued (Repaid) | 148.56M | 118.13M | -320.75M | 317.70M | 375.93M | |
| Issuance of Preferred Stock | 57.25M | |||||
| Issuance of Common Stock | 39.90K | 81.14M | ||||
| Common Dividends Paid | -9.43M | -18.31M | -15.68M | -13.06M | -11.65M | -9.98M |
| Preferred Dividends Paid | -4.74M | -4.74M | -4.74M | -4.74M | -4.74M | -2.12M |
| Total Dividends Paid | -14.17M | -23.05M | -20.42M | -17.80M | -16.39M | -12.09M |
| Other Financing Activities | -7.93M | -7.21M | -3.81M | -119.38K | -8.75M | |
| Financing Cash Flow | 126.46M | 87.87M | -341.17M | 296.13M | 64.63M | 412.35M |
| Net Cash Flow | -6.07M | -44.95M | 20.05M | 4.15M | 29.09M | -51.10M |
| Cash Interest Paid | 54.10M | 53.20M | 78.99M | 69.81M | 28.38M | 13.08M |
| Cash Income Tax Paid | 19.55K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 20.63M | 73.83M | 134.91M | 121.70M | 99.24M | 95.80M |
| PE Ratio | 7.53 | 8.13 | 19.37 | 12.92 | ||
| PS Ratio | 4.80 | 6.77 | 3.73 | 3.79 | 4.97 | 4.55 |
| PB Ratio | 0.14 | 0.34 | 0.57 | 0.51 | 0.41 | 0.57 |
| P/OCF Ratio | 3.20 | 7.31 | 4.97 | 4.92 | 6.09 | 6.92 |
| Debt / Equity Ratio | 4.40 | 4.51 | 3.68 | 4.96 | 3.61 | 5.16 |
| Net Debt / Equity Ratio | 4.26 | 4.41 | 3.39 | 4.74 | 3.43 | 5.07 |
| Quick Ratio | 135.12 | 181.17 | 79.36 | 139.69 | 138.49 | 176.18 |
| Current Ratio | 139.95 | 185.49 | 79.53 | 139.71 | 138.92 | 176.78 |
| Asset Turnover | 0.00 | 0.01 | 0.03 | 0.03 | 0.02 | 0.03 |
| Return on Equity (ROE) | -6.29% | -1.20% | 9.46% | 8.15% | 4.78% | 7.44% |
| Return on Assets (ROA) | -1.30% | -0.23% | 1.76% | 1.53% | 0.91% | 1.26% |
| Return on Invested Capital (ROIC) | -1.05% | -0.19% | 1.78% | 1.54% | 0.91% | 1.47% |
| Earnings Yield | -89.64% | -3.72% | 16.79% | 16.20% | 9.94% | 10.99% |
| Dividend Yield | 30.53% | 15.61% | 12.02% | 11.16% | 12.63% | 9.38% |
| Payout Ratio | 90.16% | 90.28% | 166.13% | 114.88% | ||
| Buyback Yield / Dilution | -0.18% | -0.13% | -0.08% | -8.04% | -93.79% | -0.04% |
| Total Shareholder Return | 29.83% | 15.48% | 11.94% | 3.12% | -81.16% | 9.33% |