Revenue: As of FY2025, the actual value is USD 284.8 M.

EPS: As of FY2025, the actual value is USD 2.18.

EBIT: As of FY2025, the actual value is USD 20.09 M.

Financial Highlights (Year Ended December 31, 2025 vs. 2024)

Revenue

Total revenue for 2025 was $284.8 million, an increase of 10.6% over $257.6 million for 2024.

Profitability Metrics

Net income before taxes for 2025 was approximately $80.0 million, up 16.4% from $68.7 million for 2024. Pre-provision net revenue (“PPNR”) for 2025 was approximately $118.7 million, an increase of 25.1% from $94.9 million for 2024. The efficiency ratio was 58.3% for 2025, an improvement from 63.2% for 2024. Return on average assets (“ROAA”) was 2.78% for 2025. Return on average equity (“ROAE”) was 16.6% for 2025. Return on average tangible common equity (“ROTCE”) was 19.0% for 2025. Pre-provision return on average assets (“PPROA”) was 5.45% for 2025.

Financial Highlights (Three Months Ended December 31, 2025 vs. 2024)

Profitability Metrics

The efficiency ratio was 55.2% for 4Q25 compared to 55.9% for 4Q24. Return on average assets (“ROAA”) was 3.20% for 4Q25. Return on average equity (“ROAE”) was 18.7% for 4Q25. Return on average tangible common equity (“ROTCE”) was 22.3% for 4Q25. Pre-provision return on average assets (“PPROA”) was 5.39% for 4Q25.

Operational Metrics (4Q25 and Year-to-Date 2025)

Loan Originations

Alternative Loan Program (“ALP”) loans originated were $113 million in 4Q25 and $363 million in 2025, compared to $91 million in 4Q24 and $270 million in 2024. SBA 7(a) loans originated were $162 million in 4Q25 and $768 million in 2025, compared to $262 million in 4Q24 and $943 million in 2024. SBA 504 loans originated were $52 million in 4Q25 and $123 million in 2025. CRE loans HFI originated were $25 million in 4Q25 and $104 million in 2025. C&I loans HFI originated were $17 million in 4Q25 and $65 million in 2025.

Loan Sales

The Company sold $79 million of guaranteed portions of SBA 7(a) loans in 4Q25. The Company sold $8 million of SBA 504 loans in 4Q25 and $65 million in 2025.

Deposits

Commercial deposits at Newtek Bank increased $34.0 million (9% quarter-over-quarter) and $164.0 million (70% year-over-year). Core consumer deposits grew $167.0 million (19% quarter-over-quarter) and $293.0 million (40% year-over-year). Newtek Bank opened over 9,000 deposit accounts in 4Q25, surpassing its previous quarterly record by approximately 50%. Insured deposits comprised 74% of total deposits.

Client Engagement

Approximately 50% of Newtek Bank’s business lending clients have opened a business deposit account since the acquisition of Newtek Bank in early 2023. Since February 2024, 25% of Newtek Bank business lending clients have purchased life insurance policies through Newtek Insurance Agency.

Share Repurchases

In 4Q25, the Company repurchased 126,595 common shares at a weighted average cost of $10.43 per share.

Securitization

On January 21, 2026, the Company closed a $295 million securitization (NALP Business Loan Trust 2026-1) backed by $342 million of ALP loans, representing its fourth and largest rated securitization.

Outlook / Guidance

NewtekOne, Inc. established an EPS guidance range for 2026 of $2.15-$2.55. The midpoint of this 2026 EPS guidance range is $2.35 per share.