Q4 2025 NewtekOne Inc Earnings Call Transcript

Jan 29, 2026 / 09:30 PM GMT

Release Date Price: €11.63 (+2.38%)

Transcript 8-K

Key Points

Positve

NewtekOne Inc (NEWT) reported record earnings and revenue growth, with net income before taxes for 2025 at approximately $80 million, a 16.4% increase.
The company successfully opened 9,000 new depository accounts in Q4 2025, contributing to a total of 34,000 active accounts.
NewtekOne Inc (NEWT) achieved significant growth in its tangible book value, ending 2025 at $12.19, up from approximately $6.92.
The company closed its largest securitization deal in January 2026, which was 10 times oversubscribed, indicating strong market demand.
NewtekOne Inc (NEWT) has maintained a strong efficiency ratio, declining from 63.2% to 58.3%, reflecting improved operational efficiency.

Negative

The company faced a $20 million loss from its NSBF lending subsidiary in 2025, although this was an improvement from a $28.7 million loss in 2024.
Non-performing loans (NPLs) remain a concern, although they have declined for two consecutive quarters, ending at 6.9% in Q4 2025.
The gain on sale of loans was flat quarter over quarter, which was below expectations, indicating potential challenges in loan sales.
The SBA lending environment has been disrupted by regulatory changes, impacting NewtekOne Inc (NEWT)'s operations and requiring adjustments.
The first quarter of the year is traditionally weak for lending, which may affect NewtekOne Inc (NEWT)'s loan origination volumes.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

NEWT.OQ - NewtekOne Inc
Q4 2025 NewtekOne Inc Earnings Call
Jan 29, 2026 / 09:30PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Thank you for standing by and welcome to New Tech One Inc.s 4th quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press 11 on your telephone. To remove yourself from the queue, you may press 11 again. I would now like to hand the call over to Barry Sloan, President and CEO. Please go ahead.

--------------------------------------------------------------------------------
Unidentified_2 [2]
--------------------------------------------------------------------------------
Thank you very much, operator, and welcome everyone to the 4th quarter 2025

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.