NewtekOne director granted 1,825 restricted shares

Cestare Thomas David reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Cestare Thomas David reported acquisition or exercise transactions in this Form 4 filing.

NewtekOne, Inc. director Thomas David Cestare reported an equity compensation grant of common stock. He received 1,825 restricted shares under the 2023 Stock Incentive Plan at a reference price of $13.70 per share.

The award is a restricted stock grant, not an open-market purchase, with 100% of the shares vesting after 12 months. Following this grant, Cestare directly holds 1,895 common shares. During the restricted period, dividends will be paid in additional common stock, which will vest on the same schedule.

Insider Trade Summary

Grant/Award: 1,825 shares

Grant/Award 1 txn

Insider Cestare Thomas David

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,825	$13.70	$25K

Holdings After Transaction: Common Stock — 1,895 shares (Direct)

Footnotes (1)

1. F1. On June 12, 2026, under the Shareholder and Board approved NewtekOne, Inc. 2023 Stock Incentive Plan, the reporting person was granted 1,825 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.

Key Figures

Restricted shares granted: 1,825 shares Grant reference price: $13.70 per share Shares after transaction: 1,895 shares +2 more

5 metrics

Restricted shares granted 1,825 shares Restricted stock award under 2023 Stock Incentive Plan

Grant reference price $13.70 per share Common stock grant value in Form 4

Shares after transaction 1,895 shares Total direct holdings following grant

Vesting period 12 months 100% of restricted shares vest after 12 months

Restricted shares grant date June 12, 2026 Date award was granted under the plan

Key Terms

restricted stock award, 2023 Stock Incentive Plan, vesting, dividends in the form of common stock

4 terms

restricted stock award financial

"the reporting person was granted 1,825 restricted shares of the Issuer's common stock as a restricted stock award"

A restricted stock award is company shares given to an employee or executive that cannot be sold or fully owned until certain conditions—like staying with the company for a set time or hitting performance targets—are met. Think of it as a gift that only becomes yours after you fulfill specific obligations; for investors, these awards matter because they can increase the total shares outstanding when they vest, reveal how management is being paid and motivated, and create potential selling pressure when restrictions lift.

2023 Stock Incentive Plan financial

"under the Shareholder and Board approved NewtekOne, Inc. 2023 Stock Incentive Plan, the reporting person was granted"

vesting financial

"as a restricted stock award with 100% of the shares vesting after 12 months"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

dividends in the form of common stock financial

"Dividends in the form of common stock will be paid during the restricted period"

FAQ

What insider transaction did NewtekOne (NEWT) report for Thomas David Cestare?

NewtekOne reported that director Thomas David Cestare received a grant of 1,825 restricted shares of common stock. The award was made under the 2023 Stock Incentive Plan and represents equity compensation rather than an open-market stock purchase.

How many NewtekOne (NEWT) shares does Thomas David Cestare hold after this Form 4?

After the reported grant, Thomas David Cestare directly holds 1,895 shares of NewtekOne common stock. This total reflects his position following the 1,825 restricted shares awarded under the company’s 2023 Stock Incentive Plan.

What are the vesting terms of Thomas David Cestare’s NewtekOne (NEWT) restricted stock?

Cestare’s 1,825 restricted shares vest 100% after 12 months from the June 12, 2026 grant date. Until vesting, the shares are restricted, but they remain subject to the award’s terms as described in the company’s stock incentive plan.

Was Thomas David Cestare’s NewtekOne (NEWT) Form 4 transaction an open-market stock purchase?

No, the Form 4 shows a grant coded as an “A” transaction, indicating a grant, award, or other acquisition. The 1,825 NewtekOne shares were issued as restricted stock compensation, not purchased in the open market.

How are dividends handled on Thomas David Cestare’s NewtekOne (NEWT) restricted shares?

During the restricted period, dividends on Cestare’s 1,825 restricted shares are paid in the form of additional common stock. Those dividend shares follow the same vesting schedule as the original restricted stock award.

Under which plan was Thomas David Cestare’s NewtekOne (NEWT) stock grant made?

The 1,825 restricted shares granted to Thomas David Cestare were issued under the Shareholder and Board approved NewtekOne, Inc. 2023 Stock Incentive Plan. This plan governs the terms and conditions of the equity award.

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Accepted by SEC EDGAR 06/25/2026 - 04:52 PM Learn about SEC filing dates

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^*

Cestare Thomas David

(Last) (First) (Middle)

4800 T-REX AVENUE

SUITE 120

(Street)

BOCA RATON FLORIDA 33431

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/25/2026

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

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

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

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	06/25/2026		A(1)		1,825	A	$13.7	1,895	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 12, 2026, under the Shareholder and Board approved NewtekOne, Inc. 2023 Stock Incentive Plan, the reporting person was granted 1,825 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:

	Thomas Cestare	06/25/2026
	** 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.
* Form 4: SEC 1474 (03-26)