Core Insights - NewtekOne, Inc. is optimistic about its earnings per share (EPS) for 2025, projecting it to fall within the range of $2.10 to $2.50, following the resolution of the government shutdown [2] - The company has successfully opened nearly 30,000 deposit accounts digitally and is focused on providing a technology-oriented banking experience [2] - NewtekOne plans to present its operational and financial goals for 2026 to investors and analysts on January 8, 2026 [2] Company Overview - NewtekOne is a financial holding company that offers a wide range of business and financial solutions to independent business owners across all 50 states [3] - The company has been operational since 1999, providing cost-efficient products and services aimed at helping businesses grow sales, control expenses, and reduce risk [3] Business Solutions - NewtekOne's offerings 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] Financial Activities - NewtekOne is set to launch its largest securitization of alternative loan program (ALP) loans, marking its fourth securitization of ALP loans and 17th overall [6] - The company has repurchased 100,670 shares of its common stock at a weighted average price of $10.20 during the current quarter [6]

Core Insights - NewtekOne, Inc. is a financial services company focused on providing innovative business lending and financial solutions tailored for small and medium-sized businesses [1] Company Performance - On November 3, 2025, Sloane Barry, the Chairman and CEO, purchased 2,000 shares at $10.16 each, increasing his total ownership to 1,206,459 shares, reflecting confidence in the company's future prospects [2] - NewtekOne held its Q3 2025 earnings call on October 29, 2025, with key figures discussing financial performance and strategic initiatives, indicating significant analyst interest from firms like Keefe, Bruyette, & Woods, Piper Sandler & Co., and Raymond James & Associates [3] - The current stock price of NASDAQ:NEWT is $10.42, showing a slight increase of 0.02, or 0.19%, with a yearly high of $15.49 and a low of $9.12, indicating market volatility [4][6] Market Activity - NewtekOne's market capitalization is approximately $274.3 million, with a trading volume of 90,714 shares, suggesting a moderate level of investor interest and activity [5]

Core Insights - NewtekOne, Inc. reported significant year-over-year growth in diluted earnings per share (EPS), with increases of approximately 49% for the third quarter of 2025 and 22% year-to-date [5][9]. Financial Performance - For the three months ended September 30, 2025, basic and diluted EPS were $0.68 and $0.67, respectively, compared to $0.45 for the same period in 2024, reflecting year-over-year increases of 51% and 49% [5]. - For the nine months ended September 30, 2025, basic and diluted EPS were $1.57 and $1.54, respectively, compared to $1.26 for the same period in 2024, reflecting year-over-year increases of 25% and 22% [5]. - Total revenue for the third quarter of 2025 was $74.9 million, up 19.3% from $62.8 million in the third quarter of 2024 [5]. - Year-to-date total revenue was $211.5 million, an increase of 16.0% from $182.3 million in the same period of 2024 [5]. Balance Sheet Highlights - Book value per common share at the end of the third quarter of 2025 was $11.72, up 16.4% year-over-year [5]. - Tangible book value per common share was $11.22, reflecting a year-over-year increase of 25.6% [5]. - Total assets as of September 30, 2025, were $2.399 billion, compared to $2.059 billion as of December 31, 2024 [19]. Capital and Funding - The company raised $30 million of Common Equity Tier 1 (CET1) capital and increased Tier 1 capital by issuing $50 million of depositary shares [6]. - Newtek Merchant Solutions refinanced and upsized its borrowing facility with a new $95 million financing solution [6]. Loan Originations - The company originated $104 million in Alternative Loan Program (ALP) loans in the third quarter of 2025, compared to $66 million in the same quarter of 2024 [6]. - SBA 7(a) loans originated in the third quarter of 2025 totaled $187 million, down from $243 million in the same quarter of 2024 [6]. Operational Efficiency - The efficiency ratio improved to 56.3% for the third quarter of 2025, compared to 61.8% for the same quarter in 2024 [5]. - Return on average assets (ROAA) was 3.06% for the third quarter of 2025, while return on average tangible common equity (ROTCE) was 23.7% [5][9]. Strategic Developments - The company has transitioned from a business development company to a financial holding company, enhancing its ability to provide business and financial solutions [9]. - NewtekOne aims to leverage technology to operate as a digital bank, having opened over 21,000 bank accounts digitally [9].

NASDAQ: NEWT First Quarter 2025 Financial Results Conference Call May 7, 2025 Hosted and Presented by: Barry Sloane, CEO & President Frank M. DeMaria, CFO, NewtekOne, Inc. Scott Price, CFO, Newtek Bank, N.A. Investor Relations Bryce Rowe, CFA 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 the Company and our industry that are ...