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NewtekOne, Inc.

NEWT Financial Banks Regional

NewtekOne, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $383.3 million, up 13.2% from fiscal 2024.

Revenue
+14.7%
EPS
−9.43%
Free cash flow
+18.3%
Total debt
+55.3%

Quarter to June 2026, against a year earlier

10.70 0.31 −2.82%
Market cap
$308.3M
P/E
4.8×
Fwd P/E
6.2×
Dividend yield
7.10%
F-score
2/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.43
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 3 4 — — — 4 4 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 12.01%

Capital & Financial Ratios $m

Size
Market Cap 308.28
Revenue ttm 406.63
Net income ttm 65.45
Free cash flow ttm (739.57)
Net debt Q 2,676.76
Valuation
P/E 4.78
Forward P/E 6.17
Price / sales 0.75
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.84
Financial health
Current ratio Q 0.65
Debt / equity Q 6.54
Interest coverage Q 1.22
Growth
Revenue growth Q +14.68% (above 0%: growing)
Operating income growth Q +6.96% (above 0%: growing)
EPS, this year −14.53% (below 0%: weak)
EPS, next year A +16.75% (at or above 15%: strong)
Revenue, next year A −22.89% (below 0%: weak)
EPS, past 5 yrs +6.52%
EPS, next 5 yrs A +3.57%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 5.94%
10-year low 10-year high
P/S against its own 10 years 2.35%
10-year low 10-year high
P/B against its own 10 years 4.77%
10-year low 10-year high

Dividends

Yield
7.10%
Annual rate
0.76
Payout ratio
34.2%
Growth, 2017–25
−9.17%/yr
  1. 1.64 ’17
  2. 1.80 ’18 +10
  3. 2.15 ’19 +19
  4. 2.05 ’20 −5
  5. 3.15 ’21 +54
  6. 2.75 ’22 −13
  7. 0.72 ’23 −74
  8. 0.76 ’24 +6
  9. 0.76 ’25 +0
  10. 0.76 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 46 35 31 28
Receivables — — — —
Inventory — — — —
Other — — — —
46 35 31 28
2023 2024 2025 Q'26
Payables 37 41 43 43
ST’ Debt — — — —
Other — — — —
42 46 43 43

Compound Annual Growth %

10y 5y 3y
Sales 30.84% 32.97% 42.85%
Cash Flow 0.00% 0.00% 0.00%
Earnings 4.99% 11.59% 21.66%
Book Value 6.90% 3.22% 1.93%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.40 Actual 0.34

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.65 0.65 Met by 0.00
Q1 FY26 0.43 0.43 Met by 0.00
Q2 FY26 0.46 0.47 Beat by 0.01
Q3 FY26 0.40 0.34 Miss by 0.06
Q4 FY26 0.48 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.43 0.47 — — —
’25 0.35 0.52 0.67 0.65 2.18
’24 0.38 0.43 0.45 0.69 1.96
’23 0.75 0.26 0.38 0.46 1.88
’22 0.40 0.56 0.47 (0.09) 1.34
’21 1.35 0.77 0.74 0.84 3.69
’20 (0.35) 1.22 (0.02) 0.74 1.59
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 100 106 — — —
’25 90 93 99 101 383
’24 76 81 83 98 339
’23 61 67 68 75 271
’22 30 34 35 33 131
’21 35 37 12 85 168
’20 16 47 15 15 92
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (257) (163) — — —
’25 (61) (200) (167) (151) (579)
’24 (39) 3 (26) (92) (153)
’23 (116) (86) 101 (68) (169)
’22 6 (72) (62) 65 (62)
’21 35 87 29 (11) 141
’20 29 41 5 (59) 18
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (258) (163) — — —
’25 (61) (200) (167) (151) (579)
’24 (39) 3 (26) (92) (153)
’23 (117) (86) 101 (68) (170)
’22 6 (72) (62) 65 (62)
’21 35 87 29 (11) 141
’20 29 41 5 (59) 18
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 31 39 50 59 92 168 131 271 339 383 407 +32.3% 296 326 360 (2.1%)
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 95.68 92.26 89.90 100.00 (10.1) pt
EBT 27 39 36 41 34 85 39 45 69 80 86 +12.7%
EBT margin, % 88.18 100.16 72.05 69.37 36.46 50.79 29.49 16.73 20.28 20.86 21.10 (67.3) pt
Net income 27 39 36 41 34 84 32 47 51 61 65 +9.2%
Per share, $
Per share, $ Revenue 2.13 2.25 2.65 3.07 4.36 7.38 5.43 11.18 13.58 14.56 14.27 +23.8%
Earnings 1.88 2.25 1.91 2.13 1.59 3.69 1.34 1.89 1.97 2.21 2.24 +1.8%
Cash flow (0.97) (4.21) (3.94) (4.60) 0.84 6.18 (2.58) (6.97) (6.13) (22.00) (25.94) +41.5%
Capex (0.03) (0.03) (0.03) (0.01) 0.00 0.00 0.00 (0.02) (0.02) 0.00 0.00 (18.7%)
Free cash flow (1.00) (4.24) (3.97) (4.61) 0.84 6.18 (2.58) (6.99) (6.15) (22.01) (25.95) +41.1%
Book value 14.38 16.06 15.36 16.67 16.05 17.72 15.51 10.26 11.88 15.10 14.50 +0.5%
Shares, m 15 17 19 19 21 23 24 24 25 26 27 +6.8%
Valuation, ×
Valuation, × P/E 8.63 8.14 9.13 10.68 12.38 7.47 12.39 7.43 6.52 5.11 4.78 8.8
P/S 7.62 8.15 6.59 7.38 4.52 3.74 3.05 1.23 0.94 0.78 0.75 4.4
P/B 1.13 1.14 1.14 1.36 1.23 1.56 1.07 1.46 1.15 0.86 0.84 1.2
EV/Sales 8.43 9.01 11.96 13.60 7.92 5.14 6.20 5.15 5.80 6.54 — 8.0
EV/FCF (18.04) (4.78) (7.97) (9.05) 41.14 6.14 (13.06) (8.22) (12.80) (4.33) — (3.1)
Cash, $m
Cash, $m Operating cash flow (14) (73) (74) (89) 18 141 (62) (169) (153) (579) (739) +51.1%
Capex 0 0 (1) 0 0 — 0 0 0 0 0 (13.1%)
Free cash flow (14) (73) (74) (89) 18 141 (62) (170) (153) (579) (740) +50.7%
Balance, $m
Balance, $m Working capital (96) (131) 14 34 8 170 104 4 (11) (12) (15) (20.4%)
Net debt 25 34 266 369 314 235 414 1,061 1,646 2,208 2,677 +64.4%
Shareholders’ equity 209 278 287 322 339 404 375 249 296 398 413 +7.4%
Returns, %
Returns, % ROA 7.24 8.46 6.08 5.67 4.10 8.87 3.14 3.78 2.82 2.42 2.33 (4.8) pt
ROIC (2.47) (1.58) (0.85) (0.51) 3.06 14.45 8.33 9.14 7.45 5.90 5.17 +8.4 pt
ROE 13.22 15.99 12.61 13.49 10.16 22.64 8.29 15.17 19.47 18.59 18.79 +5.4 pt
People
People Employees 137 162 175 109 110 104 104 528 591 572 — +17.2%
Revenue/emp, $m 0.23 0.24 0.28 0.54 0.84 1.62 1.26 0.51 0.57 0.67 — +12.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

NewtekOne, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56%
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
ATLO Ames National Corporation $301.5M 13.1× 11.8× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
MYFW First Western Financial, Inc. $300.4M 14.1× 12.9× +0.29% (above 0%: growing) +84.85% (above 0%: growing) −26.07% (below 0%: shrinking) 57.81% 0.00% Compare
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00% Compare
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
Median of peers $297.4M 12.0× 11.0× +4.62% +19.24% −21.93% 72.84% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 24 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.00m 805.48k —
2024 846.00k 701.28k —
2023 700.00k 599.20k —
2022 2.70m 2.10m —
2021 3.50m 4.63m —

Ownership

Directors and executive officers, together 5.90%
Patriot Financial GroupFour Radnor Corporate Center, 8.00%
BlackRock, Inc.50 Hudson YardsNew York, NY 6.20%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

NewtekOne, Inc. (NEWT) Latest News

29 Oct

Impact 4 · · MarketBeat
Impact 3 · · Moby transcript

28 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · GlobeNewswire earnings
Impact 3 · · Zacks
Impact 3 · · Associated Press

20 Oct

Impact 3 · · Business Wire

19 Oct

Impact 4 · · GlobeNewswire

28 Sep

Impact 4 · · GlobeNewswire

28 Aug

Impact 3 ·

18 Aug

Impact 3 ·

13 Aug

Impact 3 · · The Motley Fool transcript

7 Aug

Impact 4 ·
Impact 3 · · MarketBeat transcript

6 Aug

Impact 3 ·
Impact 3 ·
Impact 3 ·

3 Jun

Impact 3 · · GlobeNewswire

9 May

Impact 4 · · Simply Wall St.

6 May

Impact 3 · · Zacks

5 May

Impact 3 · · GlobeNewswire

4 May

Impact 4 · · GlobeNewswire

1 May

Impact 4 · · Moby
Impact 4 · · GuruFocus.com

30 Apr

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

23 Apr

Impact 3 · · Zacks

10 Apr

Impact 4 · · Simply Wall St.
stockrow.com/NEWT · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com