19 unchanged sentences
The Company’s independent registered public accounting firm, KPMG LLP, has issued an attestation report on the effectiveness of the Company’s internal control over financial reporting.
−Removed: This report appears on page 127 of this Annual Report on Form 10-K.
+Added: This report appears on the following page of this Annual Report on Form 10-K.
(c) Changes in Internal Control Over Financial Reporting
70 unchanged sentences
(1) Financial Statements.
−Removed: The consolidated financial statements of the Company, together with the independent registered public accounting firm’s report thereon, are set forth on pages 66 through 125 of this Annual Report on Form 10-K and are incorporated herein by reference.
+Added: The consolidated financial statements of the Company, together with the independent registered public accounting firm’s report thereon, are set forth in Part II Item 8 “Financial Statements and Supplementary Data” of this Annual Report on Form 10-K and are incorporated herein by reference.
(b) Exhibits required by Item 601 of Regulation S-K
3 unchanged sentences
All other exhibit numbers indicate exhibits previously filed and are hereby incorporated herein by reference.
−Removed: Exhibits numbered 10.1 through 10.20 are management contracts or compensatory plans or arrangements.
+Added: Exhibits beginning with “10.” are management contracts or compensatory plans or arrangements.
3.1 Amended and Restated Articles of Incorporation of the Company, dated April 8, 1998 (incorporated herein by reference to Exhibit 3.1 to the Company’s Form 8-K, dated April 24, 1998 (Commission File No.
11 unchanged sentences
3.13 Amended and Restated Bylaws of the Company (as amended and restated through April 18, 2023) (incorporated herein by reference to Exhibit 3.1 to the Company’s Form 8-K, dated April 21, 2023 (Commission File No.
+Added: 3.14 Articles Supplementary of the Company, dated August 13, 2025, designating the Company’s 7.50% Series B Cumulative Redeemable Preferred Stock (incorporated herein by reference to Exhibit 3.1 to the Company’s Form 8-K, dated August 15, 2025 (Commission File No.
+Added: 3.15 Articles Supplementary of the Company, dated August 13, 2025, designating the Company’s 6.50% Series C Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock (incorporated herein by reference to Exhibit 3.2 to the Company’s Form 8-K, dated August 15, 2025 (Commission File No.
4.1 Description of the Company’s securities registered pursuant to Section 12 of the Securities Exchange Act of 1934.
+Added: (incorporated herein by reference to Exhibit 4.1 to the Company’s Form 10-K for the year ended December 31, 2024, filed on February 20, 2025 (Commission File No.
4.2 Specimen of Common Stock Certificate of the Company (incorporated herein by reference to Exhibit 4.1 to the Company’s Registration Statement on Form S-4, dated February 12, 1998 (Commission File No.
11 unchanged sentences
10.2 Amendment No.
−Removed: 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement, entered into
−Removed: as of February 22, 2021, by and between the Company and Craig L.
+Added: 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement, entered into as of February 22, 2021, by and between the Company and Craig L.
Knutson (incorporated herein by reference to Exhibit 10.1 to the Company’s Form 10-Q, filed on May 4, 2022 (Commission File No.
2 unchanged sentences
Knutson (incorporated herein by reference to Exhibit 10.3 to the Company’s Form 10-K for the year ended December 31, 2023, filed on February 22, 2024 (Commission File No.
−Removed: 10.4 Amended and Restated Employment Agreement, entered into as of February 22, 2021, by and between the Company and Gudmundur Kristjansson (incorporated herein by reference to Exhibit 10.4 to the Company’s Form 10-K, filed on February 23, 2021 (Commission File No.
−Removed: 10.5 Amendment No.
−Removed: 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement, entered into
−Removed: as of February 22, 2021, by and between the Company and Gudmundur Kristjansson (incorporated herein by reference to Exhibit 10.2 to the Company’s Form 10-Q, filed on May 4, 2022 (Commission File No.
4 Amended and Restated Employment Agreement, entered into as of February 22, 2021, by and between the Company and Bryan Wulfsohn (incorporated herein by reference to Exhibit 10.6 to the Company’s Form 10-K, filed on February 23, 2021 (Commission File No.
20 unchanged sentences
19.1 MFA Financial, Inc.
−Removed: Insider Trading Policy
+Added: Insider Trading Policy (incorporated herein by reference to Exhibit 19.1 to the Company’s Form 10-K for the year ended December 31, 2024, filed on February 20, 2025 (Commission File No.
21 * Subsidiaries of the Company.
38 unchanged sentences
Michael Roper
−Removed: Chief Financial Officer
+Added: Senior Vice President and Chief Financial Officer
(Principal Financial Officer)
5 unchanged sentences
Michael Roper
−Removed: Chief Financial Officer
+Added: Senior Vice President and Chief Financial Officer
(Principal Financial Officer)
February 20, 2026 By /s/ Bryan Doran
−Removed: Chief Accounting Officer
+Added: Senior Vice President and Chief Accounting Officer
(Principal Accounting Officer)
1 unchanged sentence
Laurie Goodman
−Removed: Chair and Director
+Added: Chair of the Board and Director
February 20, 2026 By /s/ Robin Josephs
1 unchanged sentence
February 20, 2026 By /s/ Lisa Polsky
+Added: February 20, 2026 By /s/ Christopher Small
+Added: Christopher Small
February 20, 2026 By /s/ Sheila A.
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.