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NEWT logoNewtekOne, Inc.(NEWT)Earnings, Financials & Key Ratios

NEWT•NASDAQ•Banking & Credit
$13.48
$389M mkt cap·5.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryAsset ManagementSub-IndustrySpecialty finance and niche asset platforms
AboutNewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.Show more
  • Net Interest Income$105M+160.5%
  • Total Revenue$322M+1.0%
  • Net Income$61M+19.0%
  • Return on Equity17.44%-6.5%
  • Net Interest Margin3.83%+95.5%
  • Efficiency Ratio32.83%-26.7%
  • ROA2.52%-13.6%
  • Equity / Assets14.48%+0.7%
  • Book Value per Share15.50+31.8%
  • Tangible BV/Share14.93+33.6%
  • Debt/Equity2.07-14.2%
Technical→

NEWT Key Insights

NewtekOne, Inc. (NEWT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong NIM of 3.8%
  • ✓Efficient operations: 32.8% efficiency ratio
  • ✓Well capitalized: 14.5% equity/assets
  • ✓Good 3Y average ROE of 17.1%
  • ✓Diversified revenue: 49.8% from non-interest income
  • ✓Trading at only 0.9x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.1x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

NEWT Price & Volume

NewtekOne, Inc. (NEWT) stock price & volume — 10-year historical chart

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NEWT Growth Metrics

NewtekOne, Inc. (NEWT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years28.59%
5 Years28.25%
3 Years34.81%
TTM-

Profit CAGR

10 Years5.41%
5 Years12.47%
3 Years23.26%
TTM18.99%

EPS CAGR

10 Years-3.36%
5 Years8.22%
3 Years20.76%
TTM18.88%

Return on Capital

10 Years3.47%
5 Years7.79%
3 Years8.63%
Last Year13.55%

NEWT Recent Earnings

NewtekOne, Inc. (NEWT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 30, 2026
EPS
$0.43
Est $0.43
+0.0%
Revenue
$71M
Est $76M
-6.3%
Q1 2026
Feb 25, 2026
EPS
$0.69
Est $0.65
+6.2%
Revenue
$75M
Q1 2026
Jan 29, 2026
EPS
$0.65
Est $0.65
+0.0%
Revenue
$73M
Est $80M
-8.3%
Q4 2025
Oct 29, 2025
EPS
$0.67
Est $0.63
+6.3%
Revenue
$95M
Est $80M
+18.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$0.43vs $0.43+0.0%
$71Mvs $76M-6.3%
Q1 2026Feb 25, 2026
$0.69vs $0.65+6.2%
$75M
Q1 2026Jan 29, 2026
$0.65vs $0.65+0.0%
$73Mvs $80M-8.3%
Q4 2025Oct 29, 2025
$0.67vs $0.63+6.3%
$95Mvs $80M+18.8%
Based on last 12 quarters of dataView full earnings history →

NEWT Peer Comparison

NewtekOne, Inc. (NEWT) competitors in Specialty finance and niche asset platforms — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HONE logoHONEHarborOne Bancorp, Inc.Direct Competitor522.22M12.1018.3310.7%4.56%0.90
BYFC logoBYFCBroadway Financial CorporationDirect Competitor86.03M9.25-2.86-3.76%-9.05%0.58
CARV logoCARVCarver Bancorp, Inc.Direct Competitor8.72M1.65-0.62-8.28%-48.38%0.98
MFIN logoMFINMedallion Financial Corp.Direct Competitor221.42M9.415.2921.09%9.38%0.62
BSVN logoBSVNBank7 Corp.Direct Competitor412.67M43.619.69-3.87%18.21%
GBDC logoGBDCGolub Capital BDC, Inc.Product Competitor3.47B13.319.3742.5%5.24%1.23
ARCC logoARCCAres Capital CorporationProduct Competitor13.76B19.1610.3032.87%8.11%1.12
HTGC logoHTGCHercules Capital, Inc.Product Competitor3.02B16.448.8926.97%13.18%1.04

Compare NEWT vs Peers

NewtekOne, Inc. (NEWT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HONE

Most directly comparable listed peer for NEWT.

Scale Benchmark

vs INTU

Larger-name benchmark to compare NEWT against a more recognizable public peer.

Peer Set

Compare Top 5

vs HONE, BYFC, CARV, MFIN

NEWT Income Statement

NewtekOne, Inc. (NEWT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income-11.4M-16.07M-20.42M46.92M58.45M12.29M26.63M40.3M104.99M
NII Growth %-35.04%-40.97%-27.11%329.76%24.57%-78.97%116.68%51.33%160.49%
Net Interest Margin %-2.19%-2.46%-2.56%5.58%5.53%1.23%1.86%1.96%3.83%
Interest Income00064.8M78.97M38.62M94.37M121.42M161.63M
Interest Expense11.4M16.07M20.42M17.88M20.52M26.32M67.74M81.11M56.64M
Loan Loss Provision7.89M5.02M-6.12M00011.7M26.22M22.97M
Non-Interest Income38.91M49.52M88.79M28.04M89.31M92.88M158.44M197.43M160.55M
Non-Interest Income %100%100%100%30.2%53.07%70.63%62.67%61.92%49.83%
Total Revenue
38.91M▲ 0%
49.52M▲ 27.2%
88.79M▲ 79.3%
92.84M▲ 4.6%
168.28M▲ 81.3%
131.5M▼ 21.9%
252.82M▲ 92.3%
318.85M▲ 26.1%
322.17M▲ 1.0%
Revenue Growth %25.67%27.24%79.32%4.56%81.26%-21.86%92.26%26.12%1.04%
Non-Interest Expense35.4M40.94M62.55M42.34M62.29M66.39M128M142.83M105.78M
Efficiency Ratio90.96%82.68%70.45%45.61%37.02%50.49%50.63%44.8%32.83%
Operating Income
-15.78M▲ 0%
-12.5M▲ 20.7%
11.93M▲ 195.4%
32.62M▲ 173.4%
85.47M▲ 162.0%
38.77M▼ 54.6%
45.37M▲ 17.0%
68.69M▲ 51.4%
136.79M▲ 99.1%
Operating Margin %-40.54%-25.25%13.44%35.14%50.79%29.49%17.95%21.54%42.46%
Operating Income Growth %1.73%20.74%195.43%173.38%162.01%-54.63%17.02%51.39%99.14%
Pretax Income
41.16M▲ 0%
36.76M▼ 10.7%
44.3M▲ 20.5%
32.62M▼ 26.4%
85.47M▲ 162.0%
38.77M▼ 54.6%
45.37M▲ 17.0%
68.69M▲ 51.4%
79.98M▲ 16.4%
Pretax Margin %105.76%74.23%49.89%35.14%50.79%29.49%17.95%21.54%24.82%
Income Tax2.18M1.08M3.16M-999K1.33M6.46M-1.96M17.84M19.46M
Effective Tax Rate %5.29%2.93%7.14%-3.06%1.55%16.67%-4.31%25.97%24.34%
Net Income
38.98M▲ 0%
35.68M▼ 8.5%
41.13M▲ 15.3%
33.62M▼ 18.3%
84.14M▲ 150.3%
32.31M▼ 61.6%
47.33M▲ 46.5%
50.85M▲ 7.4%
60.51M▲ 19.0%
Net Margin %100.16%72.05%46.33%36.21%50%24.57%18.72%15.95%18.78%
Net Income Growth %42.74%-8.46%15.3%-18.27%150.28%-61.6%46.48%7.45%18.99%
Net Income (Continuing)38.98M35.68M41.13M33.62M84.14M32.31M47.33M50.85M60.51M
EPS (Diluted)
2.25▲ 0%
1.91▼ 15.1%
2.13▲ 11.5%
1.59▼ 25.4%
3.69▲ 132.1%
1.34▼ 63.7%
1.88▲ 40.3%
1.96▲ 4.3%
2.36▲ 20.4%
EPS Growth %19.68%-15.11%11.52%-25.35%132.08%-63.69%40.3%4.26%20.41%
EPS (Basic)2.251.912.131.593.691.341.891.972.40
Diluted Shares Outstanding17.33M18.71M19.33M21.15M22.8M24.2M24.35M25.19M25.65M

NEWT Balance Sheet

NewtekOne, Inc. (NEWT) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments2.46M2.32M1.76M2.07M2.4M53.69M154.53M353.15M283.81M
Cash & Due from Banks2.46M2.32M1.76M2.07M2.4M53.69M153.09M353.15M283.81M
Short Term Investments0000001.44M00
Total Investments456.69M541.1M659.04M671.19M758.78M283.6M937.44M1.42B2.22B
Investments Growth %32.29%18.48%21.8%1.84%13.05%-62.62%230.55%51.15%56.44%
Long-Term Investments456.69M541.1M659.04M671.19M758.78M283.6M936M1.42B2.22B
Accounts Receivables8.54M42.62M51.17M52.73M48.93M074.6M54.27M38.67M
Goodwill & Intangibles19.36M21.36M24.41M26.06M28.01M30.27M30.12M14.75M14.6M
Goodwill00000025.89M14.09M14.09M
Intangible Assets19.36M21.36M24.41M26.06M28.01M30.27M4.24M667K512K
PP&E (Net)007.99M6.93M7.31M6.48M5.7M5.69M2.79M
Other Assets12.22M13.68M16.07M23.81M24.31M23.64M161.11M162.62M161.69M
Total Current Assets31.34M77.21M89.89M112.98M242.54M654.91M291.35M459.88M348.96M
Total Non-Current Assets488.27M576.13M707.52M728M818.41M343.99M1.14B1.6B2.4B
Total Assets
519.61M▲ 0%
653.34M▲ 25.7%
797.41M▲ 22.1%
840.98M▲ 5.5%
1.06B▲ 25.6%
998.9M▼ 5.5%
1.43B▲ 43.1%
2.06B▲ 44.1%
2.74B▲ 33.2%
Asset Growth %29.43%25.74%22.05%5.46%25.63%-5.46%43.11%44.1%33.25%
Return on Assets (ROA)8.46%6.08%5.67%4.1%8.87%3.14%3.9%2.91%2.52%
Accounts Payable6.42M3.1M2.47M3.6M3.08M13.4M7.91M9.22M9.41M
Total Debt216.25M331.63M441.82M460.48M481.11M547.3M651.07M714.54M822.76M
Net Debt213.79M329.31M440.06M458.41M478.71M493.61M497.99M361.39M538.95M
Long-Term Debt216.25M296.93M401.93M451.78M472.05M483.44M582.86M609.8M601.4M
Short-Term Debt034.7M30M0183K55.88M61.26M98.24M218.49M
Other Liabilities6.71M14.63M24.2M29.77M054.89M55.74M62.74M28.59M
Total Current Liabilities10.15M45.09M39.16M11.38M10.94M77.24M534.91M1.08B1.7B
Total Non-Current Liabilities231.13M320.8M436.02M490.25M481.11M546.3M645.55M681.29M643.59M
Total Liabilities241.28M365.9M475.19M501.63M652.67M623.54M1.18B1.76B2.35B
Total Equity
278.33M▲ 0%
287.44M▲ 3.3%
322.23M▲ 12.1%
339.35M▲ 5.3%
403.89M▲ 19.0%
375.36M▼ 7.1%
249.05M▼ 33.7%
296.28M▲ 19.0%
397.57M▲ 34.2%
Equity Growth %33.11%3.28%12.1%5.32%19.02%-7.06%-33.65%18.97%34.19%
Equity / Assets (Capital Ratio)53.56%44%40.41%40.35%38.23%37.58%17.42%14.38%14.48%
Return on Equity (ROE)15.99%12.61%13.49%10.16%22.64%8.29%15.16%18.65%17.44%
Book Value per Share16.0615.3616.6716.0517.7215.5110.2311.7615.50
Tangible BV per Share14.9514.2215.4114.8216.4914.268.9911.1814.93
Common Stock369K379K411K439K483K492K492K526K573K
Additional Paid-in Capital247.36M254.5M289.96M316.63M367.66M354.24M200.91M218.27M253.83M
Retained Earnings14.79M32.57M31.85M22.29M35.74M20.62M28.05M57.77M94.99M
Accumulated OCI000000-148K-21K-4K
Treasury Stock000000000
Preferred Stock00000019.74M19.74M48.18M

NEWT Cash Flow Statement

NewtekOne, Inc. (NEWT) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-72.94M-73.67M-88.96M17.76M140.92M-62.42M-169.22M-153.01M111K
Operating CF Growth %-417.31%-1%-20.76%119.97%693.35%-144.29%-171.11%9.58%100.07%
Net Income38.98M35.68M41.13M33.62M84.14M32.31M47.33M50.85M60.51M
Depreciation & Amortization402K484K501K402K304K239K2.88M1.78M0
Deferred Taxes2.18M1.08M3.16M-999K1.33M6.46M-4.8M10.4M8.34M
Other Non-Cash Items-103.43M-75.14M-113.32M-9.09M-84.08M-48.99M-129.34M-218.81M-127.68M
Working Capital Changes-12.03M-35.76M-20.43M-6.17M139.23M-52.44M-88.12M-1.3M58.94M
Cash from Investing-446K-627K-126K-10K0-11K-172.24M-209.05M-90.5M
Purchase of Investments0000000-1.18B-20.02M
Sale/Maturity of Investments00000001.04B63.42M
Net Investment Activity0000000-145.25M43.39M
Acquisitions00000011.14M0-6.12M
Other Investing000000-182.92M-63.37M-127.67M
Cash from Financing71.02M85.11M90.94M465K-5.49M1.18M344.97M560.9M91.97M
Dividends Paid-28.2M-32.43M-40.77M-42.58M-70.14M-64.54M-14.15M-441K-28.04M
Share Repurchases00-93K0000-402K-1.49M
Stock Issued56.66M5.2M33.74M25.57M50.01M2.02M19.49M13.82M53.54M
Net Stock Activity56.66M5.2M33.65M25.57M50.01M2.02M19.49M13.42M52.05M
Debt Issuance (Net)1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Financing-2.33M1.25M-3.99M-904K-6.87M-3.38M-4.84M482.63M-484.23M
Net Change in Cash
-2.36M▲ 0%
10.81M▲ 558.5%
1.86M▼ 82.8%
18.22M▲ 881.0%
135.44M▲ 643.4%
-61.25M▼ 145.2%
58.4M▲ 195.3%
197.37M▲ 238.0%
1.58M▼ 99.2%
Exchange Rate Effect00000054.88M-1.46M0
Cash at Beginning22.9M20.54M31.35M33.21M51.42M186.86M125.61M184.01M19.12M
Cash at End20.54M31.35M33.21M51.42M186.86M125.61M184.01M381.37M20.71M
Interest Paid000020.13M066.47M79.19M97.48M
Income Taxes Paid0000006.88M7.43M12.5M
Free Cash Flow
-73.38M▲ 0%
-74.29M▼ 1.2%
-89.08M▼ 19.9%
17.75M▲ 119.9%
140.92M▲ 693.8%
-62.43M▼ 144.3%
-169.68M▼ 171.8%
-153.45M▲ 9.6%
55.87M▲ 136.4%
FCF Growth %-406.99%-1.24%-19.91%119.93%693.8%-144.3%-171.79%9.56%136.41%

NEWT Banking Ratios

NewtekOne, Inc. (NEWT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)13.22%15.99%12.61%13.49%10.16%22.64%8.29%15.16%18.65%17.44%
Return on Assets (ROA)7.24%8.46%6.08%5.67%4.1%8.87%3.14%3.9%2.91%2.52%
Net Interest Margin-2.1%-2.19%-2.46%-2.56%5.58%5.53%1.23%1.86%1.96%3.83%
Efficiency Ratio102.65%90.96%82.68%70.45%45.61%37.02%50.49%50.63%44.8%32.83%
Equity / Assets52.08%53.56%44%40.41%40.35%38.23%37.58%17.42%14.38%14.48%
Book Value / Share14.3816.0615.3616.6716.0517.7215.5110.2311.7615.5
NII Growth-30.27%-35.04%-40.97%-27.11%329.76%24.57%-78.97%116.68%51.33%160.49%
Dividend Payout99.98%72.35%90.9%99.11%126.66%83.36%199.76%29.89%0.87%46.34%

NEWT SEC Filings & Documents

NewtekOne, Inc. (NEWT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 6, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

NEWT Frequently Asked Questions

NewtekOne, Inc. (NEWT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

NewtekOne, Inc. (NEWT) grew revenue by 1.0% over the past year. Growth has been modest.

Yes, NewtekOne, Inc. (NEWT) is profitable, generating $60.5M in net income for fiscal year 2025 (18.8% net margin).

Dividend & Returns

Yes, NewtekOne, Inc. (NEWT) pays a dividend with a yield of 8.11%. This makes it attractive for income-focused investors.

NewtekOne, Inc. (NEWT) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics

NewtekOne, Inc. (NEWT) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

NewtekOne, Inc. (NEWT) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

Explore More NEWT

NewtekOne, Inc. (NEWT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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