Core Insights - NewtekOne (NEWT) reported revenue of $74.94 million for the quarter ended September 2025, reflecting a year-over-year increase of 19.3% [1] - The earnings per share (EPS) for the quarter was $0.67, up from $0.45 in the same quarter last year, with an EPS surprise of +6.35% against the consensus estimate of $0.63 [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $76.33 million, resulting in a revenue surprise of -1.83% [1] Financial Performance Metrics - Efficiency Ratio stood at 56.3%, slightly above the average estimate of 55% based on two analysts [4] - Net interest income was reported at $14.55 million, lower than the average estimate of $16.89 million from three analysts [4] - Total noninterest income reached $60.39 million, exceeding the average estimate of $59.25 million from three analysts [4] - Noninterest income from servicing was $6.08 million, surpassing the average estimate of $5.49 million [4] - Noninterest income from net gains on sales of loans was $9.56 million, significantly below the average estimate of $21.79 million [4] - Electronic payment processing income was reported at $11.05 million, lower than the average estimate of $13.29 million [4] - Other noninterest income was $9.96 million, exceeding the average estimate of $8.86 million [4] - Dividend income was $0.43 million, slightly below the average estimate of $0.53 million [4] - Loan servicing asset revaluation resulted in a loss of $12.5 million, compared to the average estimate of a loss of $4.21 million [4] Stock Performance - Over the past month, NewtekOne shares have returned -5.4%, contrasting with the Zacks S&P 500 composite's increase of +3.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

NewtekOne (NEWT) came out with quarterly earnings of $0.67 per share, beating the Zacks Consensus Estimate of $0.63 per share. This compares to earnings of $0.45 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +6.35%. A quarter ago, it was expected that this provider of financial and business services to small-and medium-sized business would post earnings of $0.5 per share when it actually produced earnings of $0.52, deliverin ...

NewtekOne (NasdaqGM:NEWT) Q3 2025 Earnings Call October 29, 2025 04:30 PM ET Speaker1Good day, and thank you for standing by. Welcome to the NewtekOne Inc. third quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press *11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your que ...

NASDAQ: NEWT October 29, 2025 Third Quarter 2025 Financial Results Conference Call Hosted and Presented by: Barry Sloane, President & CEO Frank M. DeMaria, EVP & CFO Investor Relations Bryce Rowe browe@newtekone.com (212) 273-8292 www.newtekone.com Note Regarding Forward-Looking Statements Certain statements in this presentation and made during this conference call include statements about our plans and future prospects for NewtekOne, Inc and our consolidated subsidiaries (the "Company") and our industry th ...

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 October 29, 2025 Date of Report (date of Earliest Event Reported) NEWTEKONE, INC. (Exact Name of Company as Specified in its Charter) Maryland 814-01035 46-3755188 (State or Other Jurisdiction of Incorporation or Organization) (Commission File No.) (I.R.S. Employer Identification No.) 4800 T Rex Avenue, Suite 120, Boca Raton, Florida 33431 (Ad ...

Year-over-Year Quarterly and Year-to-Date Diluted EPS Growth Approximate 49% and 22%BOCA RATON, Fla., Oct. 29, 2025 (GLOBE NEWSWIRE) -- NewtekOne, Inc. (the "Company") (Nasdaq: NEWT) reports its financial and operating results for the three and nine month periods ended September 30, 2025. Financial Highlights for the three and nine months ended September 30, 2025: For the three months ended September 30, 2025 ("3Q25"), basic and diluted earnings per share ("EPS") were $0.68 and $0.67, respectively, vs. $0.4 ...

Core Points - NewtekOne, Inc. will report its third quarter 2025 financial results on October 29, 2025, after market close [1] - A conference call to discuss these results will be hosted by the CEO and CFO at 4:30 pm ET on the same day [1] - Participants are encouraged to pre-register for the conference call to secure a listening position [2] Company Overview - NewtekOne, Inc. is a financial holding company that provides a variety of business and financial solutions to independent business owners across all 50 states [3] - The company has been operational since 1999, offering cost-efficient products and services aimed at helping businesses grow sales, control expenses, and reduce risk [3] Services Offered - NewtekOne's services include banking, business lending, SBA lending solutions, electronic payment processing, accounts receivable financing, inventory financing, insurance solutions, and payroll and benefits solutions [4] - The company also provides technology solutions such as cloud computing, data backup, IT consulting, and web services through its subsidiary Intelligent Protection Management Corp. [4]

Group 1 - NewtekOne, Inc. is considered one of the most undervalued financial stocks by Wall Street analysts [1] - The company secured a $90 million term loan facility and a $5 million revolving line of credit from Goldman Sachs Alternatives [1][2] - The financing will be used to repay approximately $30 million of outstanding term debt and close a $10 million undrawn line of credit [1][2] Group 2 - The remaining funds from the financing are intended for general corporate purposes, including providing loans, repaying unsecured senior debt, and supporting growth initiatives [2] - NewtekOne operates Newtek Bank, N.A. and offers services such as SBA 7(a) lending, commercial real estate financing, electronic payment processing, payroll solutions, and insurance products [2]

Summary of NewtekOne Conference Call Company Overview - **Company Name**: NewtekOne - **Ticker Symbol**: NEWT - **Operating History**: Established in 1998, with a current workforce of approximately 600 employees and $2.2 billion in assets, generating over $50 million in after-tax income [3][4] Business Model - **Operating Model**: NewtekOne operates as a technology-oriented enterprise without traditional banking structures such as branches or commercial bankers, focusing on providing business and financial solutions to independent business owners [4][5] - **Target Market**: Approximately 36 million businesses in the U.S., contributing to 43% of GDP [4] - **Efficiency Ratio**: The company maintains an efficiency ratio between 45% and 48%, indicating low operational expenses due to the absence of physical branches [7] Technology Utilization - **Technology Integration**: NewtekOne leverages technology to create a frictionless environment for clients, enabling services such as payroll, electronic payments, and business loans without the need for in-person meetings [5][6] - **Artificial Intelligence**: The company employs AI to enhance operational efficiency, including reading tax returns and improving client interactions [28] SBA 7(a) Loan Program - **SBA 7(a) Loans**: NewtekOne is one of the largest originators of SBA 7(a) loans, which offer long-term financing with lower monthly payments due to extended amortization periods [12][13] - **Government Guarantee**: The government guarantees 75% of the loan, reducing risk for NewtekOne, which retains 25% on its balance sheet [12][13] Economic Insights - **Current Economic Climate**: The company notes a divided economy, with sectors like technology thriving while others struggle due to rising costs in insurance, interest rates, and labor [15][16] - **Adaptation to Change**: Businesses that fail to adapt to new technologies and economic conditions face challenges, while NewtekOne's diversified approach has proven beneficial [16] Funding and Securitization - **Bank Acquisition Benefits**: The acquisition of a bank has diversified funding sources and reduced funding costs, allowing for more efficient capital management [17][18] - **Alternative Loan Program**: NewtekOne has developed an Alternative Loan Program with similar terms to SBA loans, focusing on personal guarantees and flexibility for borrowers [20][21] Profitability and Scalability - **Sustainable Profitability**: The company emphasizes its scalable business model, which is supported by technology and a focus on high-margin products [27][30] - **Market Positioning**: NewtekOne differentiates itself from community banks by offering innovative solutions and maintaining a competitive edge in the market [30][34] Conclusion - **Unique Business Proposition**: NewtekOne encourages investors to recognize its unique business model and the value it provides to independent business owners, rather than comparing it to traditional community banks [34]

Core Points - NewtekOne, Inc. announced the refinancing of its subsidiary Newtek Merchant Solutions' debt, securing a $90 million term loan and a $5 million line of credit from Goldman Sachs Alternatives [1][2] - The refinancing allowed for the full repayment of approximately $30 million in outstanding term debt with another lender and eliminated a $10 million undrawn line of credit [1] - The additional funding will support loans to the company and may be used to repay unsecured senior debt and for general corporate purposes [2] Company Overview - NewtekOne is a financial holding company that provides a variety of business and financial solutions to independent business owners across the United States [3] - The company's offerings include banking, business lending, SBA lending solutions, electronic payment processing, accounts receivable financing, insurance solutions, and technology solutions [4]