NewtekOne's earnings call highlighted strong revenue growth, deposit growth, and a successful alternative loan program, alongside improvements in efficiency and profitability metrics. However, challenges remain with Newtek Small Business Finance losses and credit provisions.

Company Guidance -

Q3 2025

During the second quarter 2025 earnings call, NewtekOne, Inc. maintained its earnings per share (EPS) guidance of $2.10 to $2.50 for the full year 2024, despite experiencing a 15% revenue growth in Q2 2025 compared to Q2 2024, reaching $70.2 million from $61 million. The company reported a decrease in its cost of funds by 28 basis points to 3.71% and an increase in net interest margin by 56 basis points at the bank level. Furthermore, NewtekOne highlighted its success in growing business deposits by $50 million sequentially, with most funds coming into demand deposit accounts, contributing to a 5.46% net interest margin. The alternative loan program, which completed three securitizations, is also showing strong performance with a 14% yield on residual interests. The company recorded basic and diluted EPS of $0.53 and $0.52 for the quarter, maintaining an annual EPS growth rate of 17% amid reduced headwinds from its SBA nonbank lender operations.

Revenue Growth

NewtekOne reported a 15% revenue growth in Q2 2025, amounting to $70.2 million compared to $61 million in Q2 2024.

Deposit Growth and Cost of Funds

Business deposits grew by $50 million sequentially, leading to a 28 basis point decline in the cost of funds, which now stands at 3.71%.

Net Interest Margin and EPS

The net interest margin at the bank increased by 56 basis points. Basic and diluted EPS were $0.53 and $0.52 respectively, with the first half EPS above the midpoint of guidance.

Alternative Loan Program Success

The program completed 3 successful securitizations, contributing significantly to earnings per share, with high-quality loans and a marked yield of 14%.

Efficiency and Profitability

The efficiency ratio improved from 66.3% to 60.3% year-over-year, with strong ROAAs and ROTCEs, indicating a robust operating leverage.

Newtek Business (NEWT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NEWT Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	0.65 / -	0.45	―	―	―
Jul 28, 2025	2025 (Q2)	0.52 / 0.52	0.43	20.00% (+0.09)
May 06, 2025	2025 (Q1)	0.35 / 0.35	0.38	-7.89% (-0.03)
Feb 26, 2025	2024 (Q4)	0.66 / 0.69	0.53	30.19% (+0.16)
Nov 06, 2024	2024 (Q3)	0.43 / 0.45	0.38	18.42% (+0.07)
Aug 05, 2024	2024 (Q2)	0.41 / 0.43	0.26	65.38% (+0.17)
May 06, 2024	2024 (Q1)	0.22 / 0.38	0.45	-15.56% (-0.07)
Mar 06, 2024	2023 (Q4)	0.58 / 0.53	0.06	783.33% (+0.47)
Nov 07, 2023	2023 (Q3)	0.36 / 0.38	0.62	-38.71% (-0.24)
Aug 02, 2023	2023 (Q2)	0.28 / 0.26	0.75	-65.33% (-0.49)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NEWT Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$11.82	$11.39	-3.64%
May 06, 2025	$9.39	$9.75	+3.83%
Feb 26, 2025	$11.81	$12.58	+6.52%
Nov 06, 2024	$13.90	$13.54	-2.59%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Newtek Business (NEWT) report earnings?

Newtek Business (NEWT) is schdueled to report earning on Nov 05, 2025, After Close (Confirmed).

What is Newtek Business (NEWT) earnings time?

Newtek Business (NEWT) earnings time is at Nov 05, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is NEWT EPS forecast?

NEWT EPS forecast for the fiscal quarter 2025 (Q3) is 0.65.

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