NewtekOne reported basic and diluted earnings per share of $0.65 for Q4 2025, compared with $0.70 and $0.69, respectively, in Q4 2024. For the full year 2025, basic and diluted EPS rose to $2.21 and $2.18, up from $1.97 and $1.96 in 2024, representing increases of 12.2% and 11.2%. Book value per share ended 2025 at $12.19, a 15.9% increase year over year, while tangible book value per share reached $11.68, up 24.4% from the prior year.

Total revenue, defined as net interest income plus noninterest income, was $284.8 million for 2025, a 10.6% increase over $257.6 million in 2024. Net income before taxes grew 16.4% to approximately $80.0 million. Pre-provision net revenue expanded 25.1% to $118.7 million. The efficiency ratio improved to 58.3% for the full year from 63.2% in 2024, and stood at 55.2% in Q4 versus 55.9% a year earlier.

2025 saw loan originations across multiple programs: $363 million of Alternative Loan Program loans (up from $270 million), $768 million of SBA 7(a) loans (versus $943 million in 2024), and $123 million of SBA 504 loans (versus $123 million in 2024). Commercial deposits rose 70% year over year to boost total deposits by $164 million, while core consumer deposits grew 40% to add $293 million. Originations of CRE and C&I loans held for investment totaled $65 million for the year.

During Q4 2025, the company repurchased 126,595 common shares at an average cost of $10.43 per share. In January 2026, a $295 million securitization backed by $342 million of ALP loans—the company’s largest rated securitization—closed with ten times oversubscription. The board paid preferred and common dividends and established 2026 EPS guidance of $2.15 to $2.55. Management highlighted continued deposit growth, loan portfolio diversification, and technology-driven delivery of banking and value-added services as key drivers for the year ahead.