[Form 4] NewtekOne, Inc. Insider Trading Activity

Rhea-AI Filing Summary

NewtekOne, Inc. (NEWT) – Form 4 insider filing: Director Gregory L. Zink was granted 2,283 restricted shares of common stock on 30 June 2025 under the company’s 2023 Stock Incentive Plan. The award vests 100% after 12 months; any dividends paid during the restriction period will be delivered in stock and will follow the same vesting schedule. The filing lists an indicated price of $10.95 and shows Zink’s total direct beneficial ownership rising to 36,207 shares following the grant. No derivative securities transactions were reported.

Positive

• Equity-based compensation strengthens director–shareholder alignment by increasing Gregory L. Zink’s stake to 36,207 shares.

Negative

• Slight dilution from issuance of 2,283 new shares, though impact is immaterial to total float.

Insights

Corporate Governance Analyst

TL;DR: Minor equity grant aligns director incentives; immaterial to float, neutral market impact.

The 2,283-share restricted stock award is routine director compensation under the 2023 plan. With total ownership now at 36,207 shares, Zink’s economic exposure increases modestly, reinforcing board-management alignment. The grant vests in one year, encouraging short-term retention. Because the share count represents a negligible fraction of NewtekOne’s outstanding shares, dilution risk is de minimis and the transaction provides no pricing signal—shares were issued as compensation, not a market purchase. Overall, this is standard governance practice with neutral impact for investors.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Zink Gregory L

(Last) (First) (Middle)

4800 T-REX AVENUE

SUITE 120

(Street)

BOCA RATON FL 33431

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
NewtekOne, Inc. [ NEWT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
06/30/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common stock	06/30/2025		A(1)		2,283	A	$10.95	36,207	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. On June 30, 2025, under the Shareholder and Board approved NewtekOne, Inc. 2023 Stock Incentive Plan, the reporting person was granted 2,283 restricted shares of the Issuer's common stock as a restricted stock award with 100% of the shares vesting after 12 months. Dividends in the form of common stock will be paid during the restricted period, and such common stock will also vest pursuant to the vesting schedule.

Remarks:

	Gregory L. Zink	07/01/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did NewtekOne (NEWT) disclose in the latest Form 4?

Director Gregory L. Zink received 2,283 restricted shares on 30 Jun 2025 under the 2023 Stock Incentive Plan.

How many NewtekOne shares does Gregory L. Zink now own?

After the award, he beneficially owns 36,207 common shares.

When will the restricted stock granted to Zink vest?

The shares vest 100% after 12 months, i.e., around 30 Jun 2026.

Was this transaction an open-market purchase?

No. It was an equity award granted under the company’s stock incentive plan, not a market transaction.

Does the award include dividend rights?

Yes. Dividends are paid in common stock during the restricted period and vest on the same schedule.