{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-004111","form_type":"8-K","ticker":"NEWT","cik":"0001587987","company_name":"NewtekOne, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.554343+00:00","generated_at":"2026-05-16T06:26:39.637195+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NewtekOne reports FY2025 EPS $2.21/$2.18, revenue up 10.6% to $284.8M; guides 2026 midpoint $2.35","bullets":["Q4 2025 basic/diluted EPS $0.65 vs $0.70/$0.69 in Q4 2024; FY2025 EPS $2.21/$2.18 vs $1.97/$1.96 in FY2024.","Total revenue 2025 of $284.8M (+10.6% YoY); pre-tax net income $80.0M (+16.4% YoY).","Book value per share $12.19 (+15.9% YoY); tangible book value $11.68 (+24.4% YoY).","Efficiency ratio improved to 58.3% from 63.2% in 2024; ROAE 16.6%, ROTCE 19.0% for 2025.","2026 EPS guidance midpoint $2.35/share, implying ~8% growth from FY2025 actual $2.18 diluted."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-004111","json":"https://secwatch.observer/filing/0001628280-26-004111.json","markdown":"https://secwatch.observer/filing/0001628280-26-004111.md","text":"https://secwatch.observer/filing/0001628280-26-004111.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1587987/000162828026004111/0001628280-26-004111-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1587987/000162828026004111/newt-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:26:39.637195+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}