Saturday 17 October 2026 Export NEWT’s income statement to Excel — free account

NewtekOne, Inc.

NewtekOne, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $383.3 million, up 13.2% from fiscal 2024. In the quarter to June 2026, revenue grew 14.7%, EPS fell 9.43%, free cash flow grew 18.3% and total debt rose 55.3%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three; insiders bought in the last twelve months.

11.01 0.07 +0.64%

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Market cap: $316.0M
P/E: 4.9×
Fwd P/E: 5.6×
Dividend yield: 6.90%
F-score: 2/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.55

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	3	4	—	—	—	4	4	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 12.01%

Capital & Financial Ratios $m

Market Cap 316.00

Revenue 406.63

Net Income 65.45

Free Cash Flow (739.57)

Net Debt 2,676.76

Current Ratio 0.65

Debt/Equity 6.54

P/E ratio 4.92

Fwd P/E 5.57

P/S ratio 0.77

P/B ratio 0.86

Past 5Y EPS Growth 6.52%

This Y EPS Growth (9.96%)

Next Y EPS Growth 15.44%

Next Y revenue growth (21.63%)

Next 5Y EPS Growth 4.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 7.11%

10-year low 10-year high

P/S against its own 10 years 3.80%

10-year low 10-year high

P/B against its own 10 years 5.68%

10-year low 10-year high

Dividends

Payout Ratio 0.34

Annual Dividend Rate 0.76

Annual Dividend Yield 6.90%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.76	0.19 0.19 0.19
2025	0.76	0.19 0.19 0.19 0.19
2024	0.76	0.19 0.19 0.19 0.19
2023	0.72	0.18 0.18 0.18 0.18
2022	2.75	0.65 0.75 0.65 0.70
2021	3.15	0.50 0.70 0.90 1.05
2020	2.05	0.44 0.56 0.58 0.47
2019	2.15	0.40 0.46 0.58 0.71
2018	1.80	0.40 0.42 0.48 0.50
2017	1.64	0.36 0.40 0.44 0.44
2016	1.93	0.40 0.35 0.35 0.43 0.40

predictions special payouts not included in total or ratios

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%

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.

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	1.70
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	9.37	15.15	15.59	17.23	7.59	18.77	14.75	10.75	10.07	9.12	Analyst estimates 2026–2028 Powerpack
	High	16.09	19.40	24.24	23.99	23.09	38.78	28.70	20.83	15.49	13.74
People
People	Employees	137	162	175	109	110	104	104	528	591	572
	Revenue/emp, $m	0.23	0.24	0.28	0.54	0.84	1.62	1.26	0.51	0.57	0.67
Income, $m
Income, $m	Revenue	31	39	50	59	92	168	131	271	339	383
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	95.68	92.26	89.90
	EBT	27	39	36	41	34	85	39	45	69	80
	EBT margin, %	88.18	100.16	72.05	69.37	36.46	50.79	29.49	16.73	20.28	20.86
	Net income	27	39	36	41	34	84	32	47	51	61
	Depreciation	(8)	(8)	1	3	13	(4)	5	(14)	(12)	(53)
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
	Earnings	1.88	2.25	1.91	2.13	1.59	3.69	1.34	1.71	1.97	2.21
	Cash flow	(0.97)	(4.21)	(3.94)	(4.60)	0.84	6.18	(2.58)	(6.97)	(6.13)	(22.00)
	Capex	(0.03)	(0.03)	(0.03)	(0.01)	0.00	0.00	0.00	(0.02)	(0.02)	0.00
	Free cash flow	(1.00)	(4.24)	(3.97)	(4.61)	0.84	6.18	(2.58)	(6.99)	(6.15)	(22.01)
	Book value	14.38	16.06	15.36	16.67	16.05	17.72	15.51	10.26	11.88	15.10
	Shares, m	15	17	19	19	21	23	24	24	25	26
Valuation, ×
Valuation, ×	P/E	8.63	8.14	9.13	10.68	12.38	7.47	12.39	7.43	6.52	5.11
	P/S	7.62	8.15	6.59	7.38	4.52	3.74	3.05	1.23	0.94	0.78
	P/B	1.13	1.14	1.14	1.36	1.23	1.56	1.07	1.46	1.15	0.86
	EV/Sales	8.43	9.01	11.96	13.60	7.92	5.14	6.20	5.15	5.80	6.54
	EV/FCF	(18.04)	(4.78)	(7.97)	(9.05)	41.14	6.14	(13.06)	(8.22)	(12.80)	(4.33)
Cash, $m
Cash, $m	Operating cash flow	(14)	(73)	(74)	(89)	18	141	(62)	(169)	(153)	(579)
	Capex	0	0	(1)	0	0	—	0	0	0	0
	Free cash flow	(14)	(73)	(74)	(89)	18	141	(62)	(170)	(153)	(579)
Balance, $m
Balance, $m	Working capital	(96)	(131)	14	34	8	170	104	4	(11)	(12)
	Total debt	48	54	297	402	365	422	539	1,108	1,681	2,238
	Net debt	25	34	266	369	314	235	414	1,061	1,646	2,208
	Shareholders’ equity	209	278	287	322	339	404	375	249	296	398
Returns, %
Returns, %	ROA	7.24	8.46	6.08	5.67	4.10	8.87	3.14	3.78	2.82	2.42
	ROIC	(2.47)	(1.58)	(0.85)	(0.51)	3.06	14.45	8.33	9.14	7.45	5.90
	ROE	13.22	15.99	12.61	13.49	10.16	22.64	8.29	15.17	19.47	18.59

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AVBH Avidbank Holdings Inc.	$337.8M	— (loss-making)	9.1×	+15.59% (above 0%: growing)	−6.49% (below 0%: shrinking)	+148.71% (above 0%: growing)	69.18%	0.00%	Compare
FDBC Fidelity D&D Bancorp Inc.	$336.0M	11.0×	22.8×	+5.91% (above 0%: growing)	+11.67% (above 0%: growing)	+157.33% (above 0%: growing)	70.54%	0.00%	Compare
CFFI C&F Financial Corporation	$334.0M	11.4×	—	+10.31% (above 0%: growing)	+10.97% (above 0%: growing)	+549.86% (above 0%: growing)	78.40%	0.00%	Compare
CBNA Chain Bridge Bancorp, Inc.	$324.9M	12.1×	7.7×	+51.95% (above 0%: growing)	+107.14% (above 0%: growing)	+147.51% (above 0%: growing)	96.81%	0.00%	Compare
JMSB John Marshall Bancorp, Inc.	$321.6M	13.2×	11.7×	+10.02% (above 0%: growing)	+38.89% (above 0%: growing)	−31.74% (below 0%: shrinking)	60.20%	0.00%	Compare
COSO CoastalSouth Bancshares, Inc.	$319.7M	11.5×	11.2×	+6.47% (above 0%: growing)	+5.17% (above 0%: growing)	+158.51% (above 0%: growing)	63.95%	0.00%	Compare
FVCB Fvcbankcorp, Inc.	$316.1M	12.2×	11.0×	+9.18% (above 0%: growing)	+48.39% (above 0%: growing)	+172.27% (above 0%: growing)	64.10%	0.00%	Compare
NEWT NewtekOne, Inc.	$316.0M	4.9×	5.6×	+14.68% (above 0%: growing)	−9.43% (below 0%: shrinking)	+18.31% (above 0%: growing)	100.00%	70.56%
FCCO First Community Corporation	$304.5M	12.0×	11.2×	+22.67% (above 0%: growing)	+19.12% (above 0%: growing)	−1,807.94% (below 0%: shrinking)	72.21%	0.00%	Compare
Median of peers	$323.2M	12.0×	11.2×	+10.16%	+15.40%	+153.02%	69.86%	0.00%

All 323 Banks Regional stocks →

NewtekOne, Inc. (NEWT) key facts

Strength: NewtekOne, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $383.3 million, up 13.2% from fiscal 2024.
NewtekOne, Inc. (NEWT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, NEWT traded at $11.01, a market capitalization of $316.0 million.
NewtekOne, Inc. pays an annual dividend of $0.76 per share, a yield of 6.90%, with a payout ratio of 34.2%.
Return on equity was 18.6% and debt-to-equity 6.54.
Its Piotroski F-score is 2 out of 9 for fiscal 2025.