NewtekOne, Inc. Announces Investor/Analyst Day and Provides 4Q25 Update

Rhea-AI Summary

NewtekOne (NASDAQ: NEWT) provided a 4Q25 update and announced an Investor/Analyst Day on January 8, 2026. The company expects to launch in December a securitization and sale of rated notes backed by alternative loan program loans — its largest securitization to date, fourth ALP securitization, and 17th overall. Quarter-to-date repurchases total 100,670 shares at a weighted average price of $10.20. Management reaffirmed 2025 EPS guidance of $2.10–$2.50 and cited approximate 2025 ROA ~3% and ROTCE ~20%.

Management highlighted resumed sales of government-guaranteed SBA 7(a) portions and operational milestones including ~30,000 digitally opened deposit accounts.

Positive

• Securitization is the company’s largest ever securitization
• Fourth ALP securitization in calendar year 2025
• Quarter-to-date share repurchases of 100,670 shares at $10.20
• Reaffirmed 2025 EPS guidance of $2.10–$2.50
• Projected 2025 ROA ~3% and ROTCE ~20%
• Digitally opened almost 30,000 deposit accounts

Negative

• Past government shutdown created operational uncertainty
• Company noted a market cap of approximately $300 million

News Market Reaction – NEWT

+0.84%

1 alert

+0.84% News Effect

On the day this news was published, NEWT gained 0.84%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Share repurchases: 100,670 shares Buyback price: $10.20 2025 EPS guidance: $2.10–$2.50 +5 more

8 metrics

Share repurchases 100,670 shares 4Q25 quarter-to-date common stock repurchased

Buyback price $10.20 Weighted average price paid for repurchased shares in 4Q25

2025 EPS guidance $2.10–$2.50 Management guidance range reaffirmed for full year 2025 EPS

2025 ROA 3% Management cited 2025 return on assets should approximate this level

2025 ROTCE 20% Management cited 2025 return on tangible common equity should approximate this level

Digital accounts 30,000 deposit accounts Approximate number of digitally opened deposit accounts since transition

ALP securitizations 4th ALP securitization Fourth securitization of alternative loan program loans overall

Total securitizations 17 securitizations Company’s 17th securitization transaction overall

Market Reality Check

Price: $12.97 Vol: Volume 280,370 is above t...

normal vol

$12.97 Last Close

Volume Volume 280,370 is above the 20-day average of 212,080, indicating elevated pre-news interest. normal

Technical Price at $12.01 is trading above the $11.26 200-day MA and about 17% below the $14.50 52-week high.

Peers on Argus

NEWT gained 1.85%, while several peers such as PCB (+1.53%), FNLC (+1.67%), BCML...

NEWT gained 1.85%, while several peers such as PCB (+1.53%), FNLC (+1.67%), BCML (+1.38%), and CZNC (+1.13%) also traded higher, suggesting a constructive backdrop despite the momentum scanner not flagging a sector-wide move.

Historical Context

5 past events · Latest: Dec 10 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 10	Preferred dividend	Positive	+1.9%	Declared dividend on 8.500% Series B preferred shares with set payment date.
Dec 10	Common dividend	Positive	+1.9%	Announced $0.19 quarterly cash dividend on common shares for early 2026.
Dec 01	Debt exchange offer	Neutral	+0.8%	Commenced exchange of 5.50% 2026 notes into 8.50% 2031 notes under S-4.
Dec 01	4Q25 operational update	Positive	+0.8%	Announced largest ALP securitization, buybacks, and reaffirmed 2025 EPS guidance.
Nov 05	Leadership hire	Positive	+0.1%	Hired seasoned Chief Revenue Officer to enhance payments and lending integration.

Pattern Detected

Recent news items, including dividends, capital structure moves, and operational updates, have generally coincided with modest positive price reactions, indicating the stock has tended to respond constructively to corporate developments.

Recent Company History

This announcement fits a series of constructive updates for NewtekOne in late 2025. In Q3 2025, the company reported stronger earnings and detailed capital actions. Subsequent filings described a new credit facility and extended share repurchase authorization. The current 4Q25 update highlights ALP loan securitization plans, share buybacks, and reaffirmed 2025 EPS guidance, following prior news on an exchange offer for $95.0 million of 2026 notes and multiple dividend declarations through December 2025.

Market Pulse Summary

This announcement detailed a significant 4Q25 update: NewtekOne expects to launch its largest ALP lo...

Analysis

This announcement detailed a significant 4Q25 update: NewtekOne expects to launch its largest ALP loan securitization, has repurchased 100,670 shares at $10.20, and reaffirmed 2025 EPS guidance of $2.10–$2.50. Management cited approximate 3% ROA, 20% ROTCE, and about 30,000 digitally opened deposit accounts. Investors may track execution of the securitization, ongoing loan sales, capital deployment under the repurchase program, and progress toward stated 2026 operational and financial goals.

Key Terms

securitization, rated notes, alternative loan program, SBA 7(a), +2 more

6 terms

securitization financial

"launching this month a securitization and sale of rated notes backed by"

Securitization is when a bank or company takes a bunch of loans or assets, like mortgages or car loans, and bundles them together into a single package. They then sell pieces of this package to investors, who receive regular payments from the borrowers. This process helps the original lender get money quickly and spreads the risk among many investors.

rated notes financial

"a securitization and sale of rated notes backed by alternative loan"

Rated notes are debt securities (promises to repay borrowed money) that have been evaluated and assigned a credit grade by an independent rating agency, similar to a report card for how likely the borrower is to repay. Investors use the rating as a quick guide to risk: higher grades imply lower chance of default and usually lower interest, while lower grades mean higher risk, higher potential returns, and greater sensitivity to market changes.

alternative loan program financial

"rated notes backed by alternative loan program (“ALP”) loans."

A loan program offered outside traditional bank practices that uses different rules for who qualifies, what collateral is accepted, or how payments are structured. Think of it as an alternate route to get credit—like choosing a rideshare when buses aren’t available—often faster or serving riskier borrowers but usually at higher cost or with different risks. Investors care because these programs can boost lending volume and returns but also raise credit and regulatory risk on a lender’s balance sheet.

SBA 7(a) regulatory

"resumed sales of government guaranteed portions of SBA 7(a) loans."

A SBA 7(a) loan is a U.S. Small Business Administration‑backed lending program where the government acts like a partial co-signer to make bank loans to small businesses easier to obtain. Investors care because it lowers default risk for lenders, increases access to capital for smaller firms that can drive growth, and can affect loan portfolios, bank earnings, and credit exposure in sectors that rely on these loans.

return on assets financial

"With returns on assets and on tangible common equity that should"

Return on assets (ROA) is a percentage that shows how much profit a company earns for each dollar of its assets, calculated by dividing its profit by its total assets. Investors use ROA to judge how efficiently a business turns its resources into earnings — like measuring how many miles a car gets per gallon — and to compare efficiency across companies, keeping in mind that capital‑intensive industries naturally show different typical ROA levels.

tangible common equity financial

"returns on assets and on tangible common equity that should"

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

AI-generated analysis. Not financial advice.

BOCA RATON, Fla., Dec. 01, 2025 (GLOBE NEWSWIRE) -- NewtekOne, Inc. (the “Company” or “NewtekOne”) (NASDAQ: NEWT) is pleased to announce the following updates for its fourth quarter ending December 31, 2025 (“4Q25”).

• NewtekOne anticipates launching this month a securitization and sale of rated notes backed by alternative loan program (“ALP”) loans. The securitization is anticipated to be the Company’s largest ever, its fourth securitization of ALP loans, and its 17th overall. This securitization will be the Company’s second ALP securitization in calendar year 2025.
• Quarter to date, NewtekOne has repurchased 100,670 shares of its common stock at a weighted average price of $10.20.

Barry Sloane, Chairman, President, and Chief Executive Officer, commented, “With the uncertainty of the government shutdown behind us, we are comfortable that 2025 EPS should fall within our $2.10-$2.50 EPS guidance range and, since the government reopened, are pleased to have resumed sales of government guaranteed portions of SBA 7(a) loans. As we approach 2026 and the three-year anniversary of transitioning to a financial holding company, we reflect positively on what we have accomplished operationally, including digitally opening almost 30,000 deposit accounts, and are excited about our prospects for continuing to operate and manage a true technology-oriented bank. The business and financial services and solutions we offer to our independent business owner clients enable them, through the Newtek Advantage^®, to grow revenue, to reduce expenses and risk, and to provide analytics, data, and transactional capabilities, which, we believe, are otherwise not available from a single source to this vital industry demographic.”

Mr. Sloane continued, “We plan to host investors and analysts at our Boca Raton office headquarters on Thursday, January 8th to present operational and financial goals and projections for 2026. With returns on assets and on tangible common equity that should approximate 3% and 20% for 2025, respectively, and without the use of traditional commercial bankers and branches, we believe that NewtekOne is unlike most, if not all, publicly traded bank holding companies with a $300 million market cap. We have built a technology oriented digital bank by using software, people, and process to offer a frictionless environment for the business client to access a full menu of business and financial solutions under the Newtek^® and NewtekOne^® brands which are designed to make our business client more successful.”

About NewtekOne, Inc.

NewtekOne^®, Your Business Solutions Company^®, is a financial holding company, which along with its bank and non-bank consolidated subsidiaries (collectively, “NewtekOne”), provides a wide range of business and financial solutions under the Newtek^® brand to independent business owners. Since 1999, NewtekOne has provided state-of-the-art, cost-efficient products and services and efficient business strategies to independent business owners across all 50 states to help them grow their sales, control their expenses, and reduce their risk.

NewtekOne’s and its subsidiaries’ business and financial solutions include: banking (Newtek Bank, N.A.), Business Lending, SBA Lending Solutions, Electronic Payment Processing, Accounts Receivable Financing & Inventory Financing, Insurance Solutions and Payroll and Benefits Solutions. In addition, NewtekOne offers its clients the Technology Solutions (Cloud Computing, Data Backup, Storage and Retrieval, IT Consulting and Web Services) provided by Intelligent Protection Management Corp. (IPM.com)

Newtek^®, NewtekOne^®, Newtek Bank^®, National Association, Your Business Solutions Company^®, One Solution for All Your Business Needs^® and Newtek Advantage^® are registered trademarks of NewtekOne, Inc.

Note Regarding Forward-Looking Statements
Certain statements in this press release are “forward-looking statements” within the meaning of the rules and regulations of the Private Securities Litigation and Reform Act of 1995 are based on the current beliefs and expectations of NewtekOne's management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements. See “Note Regarding Forward-Looking Statements” and the sections entitled “Risk Factors” in our filings with the Securities and Exchange Commission which are available on NewtekOne's website (https://investor.newtekbusinessservices.com/sec-filings) and on the Securities and Exchange Commission’s website (www.sec.gov). Any forward-looking statements made by or on behalf of NewtekOne speak only as to the date they are made, and NewtekOne does not undertake to update forward-looking statements to reflect the impact of circumstances or events that arise after the date the forward-looking statements were made.

SOURCE: NewtekOne, Inc.

Investor Relations & Public Relations
Contact: Bryce Rowe
Telephone: (212) 273-8292 / browe@newtekone.com

FAQ

When is NewtekOne (NEWT) hosting its Investor/Analyst Day?

NewtekOne will host investors and analysts on Thursday, January 8, 2026 at its Boca Raton headquarters.

What securitization did NewtekOne announce for December 2025 (NEWT)?

NewtekOne plans a December securitization of rated notes backed by ALP loans, its largest ever and 17th overall.

How many shares has NewtekOne (NEWT) repurchased in 4Q25 and at what price?

Quarter-to-date NewtekOne repurchased 100,670 shares at a weighted average price of $10.20.

What is NewtekOne's 2025 EPS guidance (NEWT)?

The company expects 2025 EPS to fall within a $2.10–$2.50 range.

What returns did NewtekOne report for 2025 (NEWT)?

Management cited approximate 2025 return on assets ~3% and return on tangible common equity ~20%.

Has NewtekOne resumed SBA 7(a) sales (NEWT)?

Yes; management said sales of government-guaranteed portions of SBA 7(a) loans resumed after the government reopened.