NewtekOne (NasdaqGM:NEWT) 2026 Earnings Call Presentation

Financial Performance & Growth - Since Q1 2023, NewtekOne's book value/share has increased by 45% from $8.06 to $11.72[14] - Tangible common book value (TBV)/share has increased by 62% from $6.92 to $11.22 since Q1 2023[14] - NewtekOne has distributed $2.05 of common dividends/share over the eleven quarters since transitioning to a financial holding company[14] - The company's operating efficiency ratio has improved from over 70% in 2023 to 56.3% as of September 30, 2025[44] - Hypothetical $300 million loan pool generates $22.7 million of annual net interest income[84] Lending & Securitization - Approximately $850 million of originations across 180 loans in C&I loans held for sale since 2018[75] - The ALP securitization completed in April 2025 generates 570 bps of spread income after FV mark on securitization not including 100 bps of servicing income[75] - The advance rate for the 2026-1 securitization is 86%, with an ALP Loan Pool of $340 million[76] Newtek Advantage Platform - Newtek Bank has grown to $1.5 billion in assets (7x over three years) since acquisition[44] - The platform generates approximately 600 new referrals per day as a client acquisition tool[44] - In 2025, NewtekOne originated over $1.4 billion in loans[45]