Here's What Key Metrics Tell Us About NewtekOne (NEWT) Q4 Earnings

Core Insights - NewtekOne (NEWT) reported a revenue of $73.33 million for the quarter ended December 2025, reflecting a year-over-year decline of 2.7% and an EPS of $0.65, down from $0.69 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $80.99 million, resulting in a surprise of -9.45% [1] - The company did not deliver an EPS surprise, as the consensus EPS estimate was also $0.65 [1] Financial Performance Metrics - NewtekOne's efficiency ratio was reported at 55.2%, which is higher than the two-analyst average estimate of 52.7% [4] - Total noninterest income was $55.85 million, below the average estimate of $62.12 million based on three analysts [4] - Net interest income stood at $17.48 million, compared to the average estimate of $18.87 million from three analysts [4] - Noninterest income from servicing was $5.2 million, slightly below the average estimate of $5.5 million based on two analysts [4] - Electronic payment processing income was reported at $10.45 million, compared to the average estimate of $12.27 million from two analysts [4] - Other noninterest income was $8.81 million, below the two-analyst average estimate of $10.73 million [4] - The net loss on loan servicing assets was reported at -$4.19 million, better than the average estimate of -$4.75 million from two analysts [4] - Dividend income was $0.5 million, slightly above the average estimate of $0.44 million based on two analysts [4] - Net gains on sales of loans were reported at $9.51 million, significantly lower than the two-analyst average estimate of $16.55 million [4] Stock Performance - Over the past month, shares of NewtekOne have returned +20.4%, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]