Form 8-K

8-K — Lument Finance Trust, Inc.

Accession: 0001104659-26-088788

Filed: 2026-07-30

Period: 2026-07-24

CIK: 0001547546

SIC: 6798 (REAL ESTATE INVESTMENT TRUSTS)

Item: Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — tm2621691d1_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (tm2621691d1_ex99-1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — FORM 8-K

8-K (Primary)

Filename: tm2621691d1_8k.htm · Sequence: 1

false

0001547546

2026-07-24

0001547546

us-gaap:CommonStockMember

2026-07-24

0001547546

us-gaap:RedeemablePreferredStockMember

2026-07-24

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities

Exchange Act of 1934

Date of Report (Date of earliest event reported):

July 24, 2026

LUMENT

FINANCE TRUST, INC.

(Exact name of registrant as specified in its

charter)

Maryland

001-35845

45-4966519

(State or other

jurisdiction of

incorporation)

(Commission File

Number)

(IRS Employer

Identification No.)

230

Park Avenue, 20th Floor

New

York, New York

10169

(Address of principal executive offices)

(212) 317-5700

(Registrant’s telephone number, including

area code)

Not Applicable

(Former name or former address, if changed since

last report)

Check the appropriate box

below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following

provisions:

¨ Written

communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting

material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement

communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement

communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b)

of the Act:

Title

of each class

Trading

Symbol(s)

Name

of each exchange on which

registered

Common

Stock, $0.01 par value per share

LFT

New

York Stock Exchange

7.875%

Series A Cumulative Redeemable Preferred Stock, $0.01 par value per share

LFTPrA

New

York Stock Exchange

Indicate by check mark whether

the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or

Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company,

indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised

financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 3.01 Notice of Delisting or

Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing.

On July 24, 2026, Lument Finance Trust, Inc.

(the “Company”) received notice (the “Notice”) from the New York Stock Exchange (the “NYSE”) that

the Company is not in compliance with Section 802.01C of the NYSE Listed Company Manual because the average closing price of the Company’s

common stock was less than $1.00 over a consecutive 30 trading-day period.

The

notice is a notice of deficiency, not delisting, and does not currently impact the listing and trading of the Company’s common

stock on the NYSE.

In accordance with NYSE rules, the Company intends

to notify the NYSE timely of its intent to regain compliance with the minimum share price requirement. The Company may regain compliance

at any time during the six-month cure period following receipt of the Notice if, on the last trading day of any calendar month during

the cure period, the Company’s common stock has a closing share price of at least $1.00 and an average closing share price of at

least $1.00 over the 30 trading-day period ending on such date.

The Company’s common stock will continue

to be listed and traded on the NYSE during the cure period, subject to the Company’s continued compliance with the NYSE’s

other continued listing standards.

The Company intends to continue monitoring the

market price of its common stock and is considering all available alternatives to regain compliance with the NYSE minimum share price

requirement. Such alternatives may include a reverse stock split, subject to any required corporate approvals. The Company has not committed

to any particular course of action at this time.

Item 7.01 Regulation FD Disclosure.

As required by NYSE rules,

on July 30, 2026, the Company issued a press release announcing receipt of the Notice described in Item 3.01 above. A copy of the press

release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

The information disclosed in this Item 7.01 including

Exhibit 99.1 attached hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities

Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor shall

it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”),

or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Forward Looking Statements

Certain

statements included in this Form 8-K constitute forward-looking statements intended to qualify for the safe harbor contained in Section

27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act, as amended. These forward-looking

statements include, without limitation, statements regarding the Company’s plans, intentions, expectations, objectives or ability

to regain compliance with the NYSE’s continued listing standards, including a potential reverse stock split and intention to consider

alternatives to cure the NYSE continued listing requirement deficiency. You are cautioned not to place undue reliance on forward-looking

statements in this Form 8-K and should consider carefully the factors described in Part I, Item IA “Risk Factors” in the

Company’s Annual Report on Form 10-K for the year ended December 31, 2025, which is available on the SEC’s website at www.sec.gov,

and in the Company’s other filings with the SEC, when evaluating these forward-looking statements. Forward-looking statements are

subject to substantial risks and uncertainties, many of which are difficult to predict and are generally beyond the Company’s control. Except

as required by applicable law, the Company disclaims any intention or obligation to update or revise any forward-looking statements,

whether as a result of new information, future events or otherwise.

Item 9.01 Exhibits.

(d) Exhibits.

99.1 Press Release of Lument Finance Trust, Inc.,

dated July 30, 2026.

104 Cover Page Interactive Data File (embedded within the Inline XBRL

document)

SIGNATURE

Pursuant to the requirements of the Securities

Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

LUMENT Finance

Trust, Inc.

Date: July 30, 2026

By:

/s/ James A.

Briggs

James A. Briggs

Chief Financial Officer

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: tm2621691d1_ex99-1.htm · Sequence: 2

Exhibit 99.1

Lument Finance Trust

Receives NYSE Continued Listing Standard Notice

New York, NY, July

30, 2026/PRNewswire – Lument Finance Trust, Inc. (NYSE: LFT) (“LFT” or the “Company”)

today announced that it received notice from the New York Stock Exchange (the “NYSE”) that the Company is not in compliance

with Section 802.01C of the NYSE Listed Company Manual because the average closing price of the Company’s common stock was less

than $1.00 over a consecutive 30 trading-day period.

The notice is a notice

of deficiency, not delisting, and does not currently impact the listing and trading of the Company’s common stock on the NYSE.

As required by NYSE rules,

the Company intends to timely notify the NYSE of its intent to regain compliance with the minimum share price requirement. The Company

may regain compliance at any time during the six-month cure period, which ends on January 24, 2027, if, on the last trading day of any

calendar month during the cure period, the Company’s common stock has a closing share price of at least $1.00 and an average closing

share price of at least $1.00 over the 30 trading-day period ending on such date.

The Company’s common

stock will continue to be listed and trade on the NYSE during the cure period, subject to the Company’s continued compliance with

the NYSE’s other continued listing standards.

The Company intends to

continue monitoring the market price of its common stock and is considering all available alternatives to regain compliance with the NYSE

minimum share price requirement. Such alternatives may include a reverse stock split, subject to any required corporate approvals. The

Company has not committed to any particular course of action at this time.

About LFT

LFT is a Maryland corporation focused

on investing in, financing and managing a portfolio of commercial real estate debt investments. The Company primarily invests in

transitional floating rate commercial mortgage loans with an emphasis on middle-market multi-family assets. LFT is externally managed

and advised by Lument Investment Management, LLC, a Delaware limited liability company.

Additional Information and Where to Find It

Investors, security holders and other interested

persons may find additional information regarding the Company at the SEC’s Internet site at http://www.sec.gov/, the Company

website www.lumentfinancetrust.com, or by directing requests to: Lument Finance Trust, 230 Park Avenue, 20th Floor, New York, NY 10169,

Attention: Investor Relations.

Forward Looking Statements

Certain statements included

in this press release constitute forward-looking statements intended to qualify for the safe harbor contained in Section 27A of the Securities

Act of 1933, as amended, and Section 21E of the Securities Exchange Act, as amended. These forward-looking statements include, without

limitation, statements regarding the Company’s plans, intentions, expectations, objectives or ability to regain compliance with

the NYSE’s continued listing standards, including a potential reverse stock split and intention to consider alternatives to cure

the NYSE continued listing requirement deficiency. You are cautioned not to place undue reliance on forward-looking statements in this

press release and should consider carefully the factors described in Part I, Item IA “Risk Factors” in the Company’s

Annual Report on Form 10-K for the year ended December 31, 2025, which is available on the SEC’s website at www.sec.gov,

and in the Company’s other filings with the SEC, when evaluating these forward-looking statements. Forward-looking statements are

subject to substantial risks and uncertainties, many of which are difficult to predict and are generally beyond the Company’s control. Except

as required by applicable law, the Company disclaims any intention or obligation to update or revise any forward-looking statements,

whether as a result of new information, future events or otherwise.

Investor Relations

Contact:

James Briggs

Chief Financial Officer

(212) 521-6323

james.briggs@lument.com

Media Contact:

Tyler Howard

Associate Director

(513) 403-1911

tyler.howard@lument.com

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 8

v3.26.1

Cover

Jul. 24, 2026

Document Information [Line Items]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Jul. 24, 2026

Entity File Number

001-35845

Entity Registrant Name

LUMENT

FINANCE TRUST, INC.

Entity Central Index Key

0001547546

Entity Tax Identification Number

45-4966519

Entity Incorporation, State or Country Code

Entity Address, Address Line One

230

Park Avenue

Entity Address, Address Line Two

20th Floor

Entity Address, City or Town

New

York

Entity Address, State or Province

Entity Address, Postal Zip Code

10169

City Area Code

212

Local Phone Number

317-5700

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

false

Common Stock [Member]

Document Information [Line Items]

Title of 12(b) Security

Common

Stock, $0.01 par value per share

Trading Symbol

LFT

Security Exchange Name

NYSE

Redeemable Preferred Stock [Member]

Document Information [Line Items]

Title of 12(b) Security

7.875%

Series A Cumulative Redeemable Preferred Stock, $0.01 par value per share

Trading Symbol

LFTPrA

Security Exchange Name

NYSE

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_DocumentInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 2 such as Street or Suite number

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine2

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_RedeemablePreferredStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type: