Current Report · Items 2.02, 7.01 · 8-K

MFA Financial, Inc

Results of Operations and Financial Condition · Regulation FD Disclosure

Item 2.02 Results of Operations and Financial Condition and

Filed Feb 18, 2026Accepted Feb 18, 2026, 8:45 AM ESTCIK 1055160Accession 0001104659-26-016803

Company context

MFA Financial, Inc. is a leading specialty finance company that invests in residential mortgage loans, residential mortgage-backed securities and other real estate assets. Through its wholly owned subsidiary Lima One Capital, MFA also originates and services business purpose loans for real estate investors. MFA has distributed over $5 billion in dividends to stockholders since its initial public offering in 1998. MFA is an internally managed, publicly traded real estate investment trust.

Current securities

MFANYSE · EQUITY · Current MFANNYSE · EQUITY · Current MFAONYSE · DEBENTURE · Current MFA PRBNYSE · PREFERRED · Current MFA PRCNYSE · PREFERRED · Current

Recent company filings

Disclosure sections

Items 2.02, 7.01

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Item 2.02Item 2.02 - Results of Operations

Item 2.02 Results of Operations and Financial Condition and

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure MFA Financial, Inc. (“MFA”) issued a press release, dated February 18, 2026, announcing its financial results for the quarter and year ended December 31, 2025, which is attached hereto as Exhibit 99.1 and is incorporated herein by reference. In addition, in conjunction with the announcement of its financial results, MFA issued additional information relating to its 2025 fourth quarter financial results. Such additional information is attached to this report as Exhibit 99.2 and is incorporated herein by reference. The information referenced in this Current Report on Form 8-K (including Exhibits 99.1 and 99.2) is being “furnished” and, as such, shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information set forth in this Current Report on Form 8-K (including Exhibits 99.1 and 99.2) is and will not be incorporated by reference into any registration statement or other document filed by MFA pursuant to the Securities Act of 1933, as amended (the “Securities Act”), except as may be expressly set forth by specific reference in such filing. As discussed therein, the press release contains forward-looking statements within the meaning of the Securities Act and the Exchange Act and, as such, may involve known and unknown risks, uncertainties and assumptions. These forward-looking statements relate to MFA’s current expectations and are subject to the limitations and qualifications set forth in the press release as well as in MFA’s other documents filed with the SEC, including, without limitation, that actual events and/or results may differ materially from those projected in such forward-looking statements. Exhibit 99.1 Press Release, dated February 18, 2026, announcing MFA’s financial results for the quarter and year ended December 31, 2025. 99.2 Additional information relating to the financial results of MFA for the quarter ended December 31, 2025. 104 Cover Page Interactive Data File (formatted as Inline XBRL).

Filed exhibits (2)

EX-99.1 (by filename) tm266466d1_ex99-1.htm

EX-99.1 2 tm266466d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 MFA FINANCIAL, INC. One Vanderbilt Ave. New York, New York 10017 PRESS RELEASE FOR IMMEDIATE RELEASE February 18, 2026 NEW YORK METRO INVESTOR CONTACT: InvestorRelations@mfafinancial.com NYSE: MFA ──────────────────────────────────────────────────────────────────────────── 212-207-6488 www.mfafinancial.com MEDIA CONTACT: H/Advisors Abernathy Sydney Isaacs 713-343-0427 MFA Financial, Inc. Announces Fourth Quarter and Full Year 2025 Financial Results NEW YORK--(BUSINESS WIRE)--MFA Financial, Inc. (NYSE:MFA) today provided its financial results for the fourth quarter and full year ended December 31, 2025: Fourth Quarter 2025 Financial Results: MFA generated GAAP net income to common stockholders and participating securities for the fourth quarter of $43.6 million, or $0.42 per basic and diluted common share. Distributable earnings, a non-GAAP financial measure, were $27.8 million, or $0.27 per basic common share. MFA paid a regular cash dividend…

Open exhibit ↗

EX-99.2 (by filename) tm266466d1_ex99-2.htm

EX-99.2 3 tm266466d1_ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 Earnings Presentation FOURTH QUARTER 2025 ───────────────────────── 2 Q3 2022 Financial Snapshot Forward-looking statements When used in this presentation or other written or oral communications, statements that are not historical in nature, including those containing words such as “will,” “believe,” “expect,” “anticipate,” “estimate,” “plan,” “continue,” “intend,” “should,” “could,” “would,” “may,” the negative of these words or similar expressions, are intended to identify “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and, as such, may involve known and unknown risks, uncertainties and assumptions. These forward-looking statements include information about possible or assumed future results with respect to MFA’s business, financial condition, liquidity, results of operations, plans and objectives. Among the important factors that could cause our actual results to differ materially from those projected in any forward-looking statements that we make are: general economic d…