---
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"
generated_at: "2026-05-16T06:26:39.637195+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NewtekOne reports FY2025 EPS $2.21/$2.18, revenue up 10.6% to $284.8M; guides 2026 midpoint $2.35

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-004111
- JSON: https://secwatch.observer/filing/0001628280-26-004111.json
- Plain text: https://secwatch.observer/filing/0001628280-26-004111.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.