<span item_type="fundamental" item_id="5d1c309407dc5c1b9f61aaec01ff17a2" counter_id="ST/US/NEWTP" env="prod"></span><span item_type="announcement" item_id="576983219335793153" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 74.94 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.67.</p><p>EBIT: As of FY2025 Q3, the actual value is USD 10.52 M.</p><p></p><h3>Financial Results Summary</h3><ul><li><strong>Company Name</strong>: NewtekOne, Inc.</li><li><strong>Report Date</strong>: October 29, 2025</li></ul><h4>Forward-Looking Statements</h4><p>The report includes forward-looking statements that are based on management’s current expectations and beliefs, which are subject to significant risks and uncertainties. Actual results may differ materially from those projected in the forward-looking statements. NewtekOne does not undertake to update these statements to reflect new circumstances or events after the date they were made.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/newt-20251029.htm"></span></p><h4>Results of Operations and Financial Condition</h4><p>On October 29, 2025, NewtekOne announced its financial results for the three and nine months ended September 30, 2025. The detailed financial metrics, including segment revenue, operational metrics, and cash flow, are provided in the press release furnished as Exhibit 99.1 to the report.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/newt-20251029.htm"></span></p><h3>Segment Revenue</h3><ul><li>Total revenue for 3Q25: $74.9 million, up 19.3% YoY from $62.8 million for 3Q24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Total revenue for YTD25: $211.5 million, up 16.0% YoY from $182.3 million for YTD24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li>Net income before taxes for 3Q25: $25.1 million, up 47.0% YoY from $17.1 million for 3Q24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Net income before taxes for YTD25: $55.5 million, up 23.5% YoY from $44.9 million for YTD24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Pre-provision net revenue (PPNR) for 3Q25: $32.8 million, up 36.7% YoY from $24.0 million for 3Q24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>PPNR for YTD25: $85.8 million, up 39.1% YoY from $61.7 million for YTD24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Efficiency ratio for 3Q25: 56.3%, improved from 61.8% for 3Q24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Return on average assets (ROAA) for 3Q25: 3.06%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Return on average equity (ROAE) for 3Q25: 20.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Return on average tangible common equity (ROTCE) for 3Q25: 23.7%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Pre-provision return on average assets (PPROA) for 3Q25: 5.75%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li></ul><h3>Cash Flow</h3><ul><li>Raised $30 million of Common Equity Tier 1 (CET1) capital.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Increased Tier 1 capital by issuing $50 million of depositary shares.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Refinanced and upsized Newtek Merchant Solutions’ borrowing facility with a new $95 million financing solution.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li>Originated $104 million of Alternative Loan Program (ALP) loans compared to $66 million for 3Q24.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Originated $187 million of SBA 7(a) loans compared to 3Q24 originations of $243 million.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Sold $69 million of guaranteed portions of SBA 7(a) loans in 3Q25.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Originated $28 million of SBA 504 loans and sold $19 million of SBA 504 loans in 3Q25.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Originated $17.8 million and $19.3 million of CRE and C&amp;I loans HFI.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Commercial deposits at Newtek Bank increased $52.0 million, or 17% Q/Q, while core consumer deposits grew $95.0 million, or 12% Q/Q; wholesale deposits decreased $8 million Q/Q.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>Insured deposits comprised 78% of deposits.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company is preparing a fourth securitization for the fourth quarter of 2025, expected to be the largest to date.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>NewtekOne aims to continue providing attractive risk-adjusted returns to shareholders.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li><li>The company plans to grow lower-cost business deposits and improve operating leverage.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1587987/000162828025047106/earningsreleaseq32025_8k.htm"></span></li></ul>

Newtekon Inc Pref Shares NEWTP 8.5 Perp 10/01/30 | 8-K: FY2025 Q3 Revenue: USD 74.94 M