Skip to content
stoqly
en Β· USD

Appearance

Language

Currency

Popular

All currencies

Data is in US dollars, converted at the ECB reference rate of Oct 27, 2026.

Sign in

NewtekOne, Inc.

NEWT Nasdaq National Commercial Banks Financials FY2021–FY2025

NewtekOne, Inc. had $285M of revenue in fiscal 2025, up 10.6% on the year before.

Add to portfolio Download report
Today
0.0%
Previous close
$11.43
Market cap
$328M
P/E
5.2x
52-week range
$9.61 $15.56

Last close Β· Oct 26, 2026

$11.43

+$0.38 (+3.44%) past year

Share price

NewtekOne, Inc.

What NewtekOne, Inc. does

NEWT Β· National Commercial Banks

From its latest annual report

No business description yet.

Filing details

Legal name
NewtekOne, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 10, 2026
Accession Β· CIK
0001628280-26-016503 Β· 0001587987

Earnings calendar Β· NewtekOne, Inc.

Every quarter, companies publish how much they sold and earned. These are the days NewtekOne, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

October 28, 2026

Wednesday Β· tomorrow

Time
After the market closes
Covers
Period ended Sep 30, 2026
Expected EPS
$0.40
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Aug 6, 2026 Q2 '26 After the market closes 8-K β†—
Apr 6, 2026 Q1 '26 After the market closes 8-K β†—
Jan 8, 2026 Q4 '25 Before the market opens 8-K β†—
Oct 29, 2025 Q3 '25 After the market closes 8-K β†—
Jul 28, 2025 Q2 '25 After the market closes 8-K β†—
Apr 8, 2025 Q1 '25 After the market closes 8-K β†—
Jan 6, 2025 Q4 '24 After the market closes 8-K β†—
Oct 3, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read NewtekOne, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • NewtekOne, Inc. had $285M of revenue in fiscal 2025, up 10.6% on the year before.
  • NewtekOne, Inc. made $60.5M of net profit in fiscal 2025. From fiscal 2021 to 2025, diluted EPS grew βˆ’12.3% a year.

2.Cash and shareholders

See section β†’
  • NewtekOne, Inc. returned $28.0M to shareholders in fiscal 2025. The diluted share count rose 6.1%.
  • In the last 12 months, insiders bought $0.5M of shares on the open market and sold none.

NewtekOne, Inc. in 30 seconds

Good So-so Weak

Good

Are sales growing?

+10.6%

Yes. Sales grew 10.6% last year.

Good

Does it make a profit?

21.2%

Yes. It keeps 21.2% of every sale as profit.

So-so

How lean are its costs?

58.3%

Average. Running costs take 58.3% of revenue.

Good

How much does it earn on its capital?

17.4%

Good. It earns 17.4% a year on shareholders’ money.

For information

How is the share priced?

5.2x

One share costs 5.2 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$328M
Oct 26 close
P/E Last close divided by diluted earnings per share over the last four quarters.
5.2x
On $2.21 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· NewtekOne, Inc. had $285M of revenue in fiscal 2025, up 10.6% on the year before.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 17.4% on shareholders’ money. Running costs took 58.3% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· NewtekOne, Inc. made $60.5M of net profit in fiscal 2025. From fiscal 2021 to 2025, diluted EPS grew βˆ’12.3% a year.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 17.4% on shareholders’ money. Running costs took 58.3% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA Β· NewtekOne, Inc. had $285M of revenue in fiscal 2025, up 10.6% on the year before.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· NewtekOne, Inc. made $60.5M of net profit in fiscal 2025. From fiscal 2021 to 2025, diluted EPS grew βˆ’12.3% a year.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· NewtekOne, Inc. returned $28.0M to shareholders in fiscal 2025. The diluted share count rose 6.1%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· In the last 12 months, insiders bought $0.5M of shares on the open market and sold none.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.5M

8 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

DateInsiderTradeSharesPriceValueFiling
Jun 15, 2026 Barry SloanePresident, Chairman & CEO, Director Bought 6,000 $14.21 $0.1M Form 4
Jun 15, 2026 Barry SloanePresident, Chairman & CEO, Director Bought 5,000 $14.20 $0.1M Form 4
Jun 15, 2026 Frank M DeMariaCheif Financial Officer Bought 500 $13.92 $0.0M Form 4
Jun 3, 2026 Craig Jeffry BrunetDirector Bought 1,000 $12.70 $0.0M Form 4
May 26, 2026 Peter Mathison DownsPresident, Newtek Bank, Director Bought 737 $13.56 $0.0M Form 4
May 15, 2026 Craig Jeffry BrunetDirector Bought 330 $12.72 $0.0M Form 4
May 8, 2026 Gregory L ZinkDirector Bought 1,000 $13.87 $0.0M Form 4
May 7, 2026 Richard J SaluteDirector Bought 1,000 $13.47 $0.0M Form 4
Jan 14, 2026 Frank M DeMariaCheif Financial Officer Bought 1,556 $13.91 $0.0M Form 4
Jan 14, 2026 Halli Razon-FeingoldSVP, Human Resources & CAO, Director Bought 1,258 $13.91 $0.0M Form 4
Jan 14, 2026 Michael Adam SchwartzChief Legal Officer Bought 2,247 $13.91 $0.0M Form 4
Jan 14, 2026 Barry SloanePresident, Chairman & CEO, Director Bought 3,595 $13.91 $0.1M Form 4
Dec 15, 2025 Gregory L ZinkDirector Bought 500 $12.06 $0.0M Form 4
Dec 8, 2025 Richard J SaluteDirector Bought 900 $11.28 $0.0M Form 4
Dec 5, 2025 Craig Jeffry BrunetDirector Bought 789 $11.31 $0.0M Form 4
Nov 3, 2025 Gregory L ZinkDirector Bought 1,000 $10.43 $0.0M Form 4
Nov 3, 2025 Barry SloaneChairman & CEO, Director Bought 10,000 $10.22 $0.1M Form 4

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net β€”β€”$324M$591M$851M
Deposits β€”$0.0M$464M$973M$1.4B
Loans / deposits β€”β€”69.8%60.8%60.0%
Total assets $1.1B$999M$1.4B$2.1B$2.7B
Shareholders' equity $404M$375M$249M$296M$398M
Goodwill β€”$0.0M$25.9M$14.1M$14.1M
Intangible assets β€”$0.0M$4.2M$0.7M$0.5M
Provision / loans β€”β€”3.6%4.4%4.5%

Returns and efficiency

KIRA Β· It earned 17.4% on shareholders’ money. Running costs took 58.3% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

5 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY21FY22FY23FY24FY25
Income statement
Revenue $148M $105M $203M $258M $285M
Net interest income $58.5M $12.3M $26.6M $40.3M $59.9M
Noninterest income $89.3M $92.9M $177M $217M $225M
Noninterest expense $62.3M $66.4M $146M $163M $166M
Provision for credit losses $0.0M $0.0M $11.7M $26.2M $38.7M
Interest expense $20.5M $26.3M $67.7M β€” β€”
Income tax $1.3M $6.5M βˆ’$2.0M $17.8M $19.5M
Net income $84.1M $32.3M $47.3M $50.9M $60.5M
Net income to common $84.1M $32.3M $45.9M $49.3M $58.2M
Diluted EPS $3.69 $1.34 $1.88 $1.96 $2.18
Diluted shares 0.02B 0.02B 0.02B 0.03B 0.03B
Cash flow
Cash from operations $141M βˆ’$62.4M βˆ’$169M βˆ’$153M βˆ’$579M
Capital expenditure $0.0M $0.0M $0.5M $0.4M $0.1M
Free cash flow $141M βˆ’$62.4M βˆ’$170M βˆ’$153M βˆ’$579M
Depreciation and amortization $0.3M $0.2M $2.9M $1.8M $0.7M
Stock-based compensation $0.0M $0.0M $2.8M $4.1M $4.1M
Acquisitions $0.0M $0.0M βˆ’$11.1M $0.0M $0.0M
Share buybacks β€” $0.0M $0.0M $0.4M $0.0M
Dividends paid $70.1M $64.5M $14.1M $20.3M $28.0M
Dividends and buybacks $70.1M $64.5M $14.1M $20.7M $28.0M
Balance sheet
Cash and short-term investments $187M $126M $184M $381M $310M
Total debt $472M $539M $644M $708M $820M
Loans, net β€” β€” $324M $591M $851M
Deposits β€” $0.0M $464M $973M $1.4B
Goodwill β€” $0.0M $25.9M $14.1M $14.1M
Intangible assets β€” $0.0M $4.2M $0.7M $0.5M
Total assets $1.1B $999M $1.4B $2.1B $2.7B
Total liabilities $653M $624M $1.2B $1.8B $2.3B
Preferred stock $0.0M $0.0M $19.7M $19.7M β€”
Shareholders' equity $404M $375M $249M $296M $398M
Margins
Net margin 56.9% 30.7% 23.3% 19.7% 21.2%
FCF margin 95.4% βˆ’59.4% βˆ’83.4% βˆ’59.6% βˆ’203.4%
Net interest share of revenue 39.6% 11.7% 13.1% 15.6% 21.0%
Efficiency ratio 42.2% 63.1% 71.9% 63.2% 58.3%
Returns
Return on equity 20.8% 8.3% 15.2% 18.7% 17.4%
Return on assets 8.0% 3.1% 3.9% 2.9% 2.5%
Return on tangible equity 20.8% 8.6% 21.0% 17.5% 15.2%
Growth
Revenue growth β€” βˆ’28.8% 93.4% 26.7% 10.6%
Net income growth β€” βˆ’61.6% 46.5% 7.4% 19.0%
EPS growth β€” βˆ’63.7% 40.3% 4.3% 11.2%
FCF growth β€” βˆ’144.3% β€” β€” β€”
Share count change β€” 6.2% 0.6% 3.4% 6.1%
Financial health
Debt / equity 1.2x 1.4x 2.6x 2.4x 2.1x
Loans / deposits β€” β€” 69.8% 60.8% 60.0%
Provision / loans β€” β€” 3.6% 4.4% 4.5%
Capital allocation
Capex / revenue 0.0% 0.0% 0.2% 0.2% 0.0%
Stock comp / revenue 0.0% 0.0% 1.4% 1.6% 1.4%
Payouts / FCF 49.8% β€” β€” β€” β€”
Quality scores
Piotroski F-score β€” 1.0 4.0 2.0 2.0
Accruals ratio βˆ’5.4% 9.2% 17.8% 11.7% 26.6%

Source: SEC EDGAR XBRL filings (CIK 0001587987). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

↑ ↓ to move Β· ↡ to open