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Dec 31, 2025
Newtekone Q4 2025 Earnings Report
NewtekOne reported solid fourth-quarter results with steady earnings, strong loan originations, and improved efficiency.
Key Takeaways
NewtekOne delivered $0.65 in EPS for Q4 2025, with net income of $19.5 million. The company demonstrated notable loan growth and improved operational efficiency, underscoring strength in its business model.
Q4 2025 EPS was $0.65, matching the prior quarter but down from $0.70 in Q4 2024
Net income reached $19.5 million, with revenue of $73.3 million
The efficiency ratio improved to 55.2% from 55.9% in the prior year quarter
SBA 7(a) loan originations dropped to $162 million from $262 million in Q4 2024
Forward Guidance
NewtekOne issued 2026 EPS guidance in the range of $2.15 to $2.55, targeting continued growth through securitizations and diversified lending.
Positive Outlook
- Established EPS guidance midpoint of $2.35 for 2026
- Closed largest-ever $295 million ALP securitization
- Securitization was ten times oversubscribed
- Growth in deposits, loans, and assets expected to continue
- Strong capital position following 2025 equity raises
Challenges Ahead
- SBA 7(a) loan originations declined YoY in Q4
- Net loss on loan servicing assets reported at $4.2 million
- Noninterest income decreased compared to prior year Q4
- Credit loss provision remained elevated at $8.4 million
Historical Earnings Impact
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Avg. Return Before/After Earnings
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