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Winner, Winner: The Chicken McNugget Story
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NewtekOne
NewtekOne (NEWT) investor relations material
NewtekOne Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Q3 diluted EPS was $0.34 vs. $0.67 in Q3 2025; net income was $10.7M vs. $17.9M. FY26 EPS guidance remained $1.70–$1.80.
Record Q3 net interest income of $18.9M rose 30% YoY; higher credit provisions and lower noninterest income weighed on earnings.
Deposits reached $2.51B, up from $1.42B at year-end 2025; loans on balance sheet exceeded $2.7B, up 46% YoY.
Holding more SBA 7(a) guaranteed loans on balance sheet increased recurring net interest income while reducing reliance on loan-sale gains.
Financial highlights
Q3 net interest income was $18.9M, up 26% QoQ and 30% YoY; YTD net interest income rose 20% to $51.1M.
Q3 noninterest income declined to $52.9M from $60.4M; noninterest expense was $42.2M, flat YoY.
Q3 provision for credit losses rose to $15.4M from $7.7M; 9M provision was $37.1M, up from $30.3M.
Book value/share was $12.80 and tangible book value/share $12.30, up 9.2% and 9.6% YoY, respectively.
Outlook and guidance
FY26 EPS guidance remained $1.70–$1.80; seasonal Q4 lending and continued NII growth were cited as earnings drivers.
A C&I longer-amortizing loan securitization was anticipated in 1Q27; management cited a planned $350M–$400M collateral pool.
Strategic alternatives and discussions with alliance partners and technology providers were being explored to recognize platform value and reduce shareholder risk; no specific transaction was identified.
Lending is shifting toward deposit funding; expected cash needs may also be met through loan sales, repayments, securitization and capital-markets financing.
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Latest events from NewtekOne
- Q2 2026 EPS met guidance, deposits topped $2B, and loan mix shifted to balance sheet growth.NEWT
Q2 2026 - Plans to offer up to $650M in securities to support SMB-focused financial solutions.NEWTRegistration filing
- Plans to raise up to $650M via shelf registration, targeting the U.S. SMB market.NEWTRegistration filing
- AI-powered SMB lender achieves top-tier returns and rapid growth with a zero-fee banking model.NEWTPlanet MicroCap Las Vegas 2026
- Digital-first platform, tech innovation, and securitizations drive growth and efficiency through 2026.NEWTInvestor Day 2026
- EPS up 49% year-over-year, deposits up 81%, and record ALP securitization expected in Q4.NEWTQ3 2025
- Q2 2024 EPS up 59%, guidance reaffirmed, strong loan/deposit growth, ALP securitization closed.NEWTQ2 2024
- Tech-enabled SMB banking platform drives growth, strong credit, and digital deposit expansion.NEWTAnalyst & Investor Day 2024
- Divestiture gives a non-voting stake and board seat, positioning IPM for IT growth.NEWTM&A Announcement
Next NewtekOne earnings date
Q4 20261 Mar, 2027
NewtekOne
Next NewtekOne earnings date
Q4 20261 Mar, 2027
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Frequently asked questions
NewtekOne Inc is a financial holding company that provides business and financial solutions to small and medium-sized businesses. Its services include lending, payment processing, insurance, web services, and payroll management. The company operates as a direct lender and through strategic partnerships. NewtekOne Inc is headquartered in Boca Raton, Florida, and its shares are listed on the NASDAQ.