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NewtekOne
NewtekOne (NEWT) investor relations material
NewtekOne Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record 2025 earnings and revenue growth, with basic and diluted EPS of $2.21 and $2.18, up 12% and 11% year-over-year; 4Q25 EPS was $0.65.
Net income before taxes for 2025 was $80 million, up 16.4% year-over-year; net income was $58.2 million, up 18%.
Book value per share and tangible book value per share ended 2025 at $12.19 and $11.68, up 16% and 24% year-over-year.
Opened over 9,000 new depository accounts in Q4, reaching 34,000 active accounts, with business and consumer deposits up 70% and 40% year-over-year.
Celebrated three-year anniversary of operating as a technology-enabled financial holding company, with significant expansion since the 2023 acquisition of National Bank of New York City.
Financial highlights
Total revenue for 2025 was $284.8 million, up 11% from 2024.
Pre-provision net revenue (PPNR) for 2025 was $118.7 million, a 25% increase year-over-year.
Efficiency ratio improved to 58.3% in 2025 from 63.2% in 2024, with operating expenses up just 2% on 33% asset growth.
Return on average assets (ROAA) was 2.78% for 2025; return on average equity (ROAE) was 16.6%; ROTCE was 19.0%.
Tangible book value per share increased 4% sequentially and 24% year-over-year, up 69% since conversion.
Outlook and guidance
2026 EPS guidance set at $2.15–$2.55, midpoint $2.35, reflecting continued growth expectations.
Projected 2026 originations: $1B SBA 7(a), $500M ALP/C&I, $175M SBA 504, $150M net growth in C&I/CRE portfolios.
Book value per share expected to reach $13.49–$13.89 and tangible book value per share $12.98–$13.38 in 2026.
Management expects continued diversification of the loan portfolio and further digital banking expansion.
Expect further decline in NSBF losses, with continued stabilization in credit quality.
How does the loan-to-deposit strategy lower funding costs?
ALP lending's impact on portfolio quality?
NSBF loss reduction impact on 2026 earnings?
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Next NewtekOne earnings date
Q1 20266 May, 2026
NewtekOne
Next NewtekOne earnings date
Q1 20266 May, 2026
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Frequently asked questions
NewtekOne Inc is a financial holding company that provides business and financial solutions to small and medium-sized businesses. Its services include lending, payment processing, insurance, web services, and payroll management. The company operates as a direct lender and through strategic partnerships. NewtekOne Inc is headquartered in Boca Raton, Florida, and its shares are listed on the NASDAQ.
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