NEWTGMEDIUM SIGNALFINANCIAL10-K

NEWTG demonstrated solid balance sheet expansion with total assets growing to $2.7B while maintaining healthy profitability growth and increasing shareholder returns.

The company shows healthy organic growth with deposits expanding meaningfully and stockholders' equity growing robustly, indicating successful capital deployment and customer acquisition. The substantial increase in dividend payments alongside higher net income suggests management confidence in sustainable cash generation and commitment to returning capital to shareholders.

Comparing 2026-03-10 vs 2025-03-17View on EDGAR →
FINANCIAL ANALYSIS

NEWTG delivered broad-based financial expansion with total assets growing 33% to $2.7B, driven primarily by a 46% increase in deposits to $1.4B, while stockholders' equity strengthened 34% to $398M. Net income grew a solid 19% to $60.5M, supporting a 39% increase in dividends paid to $28M, demonstrating the company's ability to generate higher returns for shareholders. The dramatic reduction in capital expenditures from $439K to $106K may indicate completion of a previous investment cycle or shift toward more asset-light growth strategies.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
-75.9%
$439K$106K

Capex reduced 75.9% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Total Deposits
Balance Sheet
+45.8%
$973.1M$1.4B

Deposits grew 45.8% — expanding customer base or increased trust in the institution.

Dividends Paid
Cash Flow
+38.5%
$20.3M$28.0M

Dividend payments increased 38.5% — management confidence in sustained cash generation.

Stockholders Equity
Balance Sheet
+34.2%
$296.3M$397.6M

Equity base grew 34.2% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Assets
Balance Sheet
+33.2%
$2.1B$2.7B

Asset base grew 33.2% — expansion through organic growth, acquisitions, or capital deployment.

Total Liabilities
Balance Sheet
+33.1%
$1.8B$2.3B

Liabilities grew 33.1% — significant increase in debt or obligations, assess impact on financial flexibility.

Net Income
P&L
+19%
$50.9M$60.5M

Net income grew 19% — bottom-line growth signals improving overall business health.

Total Debt
Balance Sheet
+15.8%
$708.0M$819.9M

Debt rose 15.8% — additional borrowing for investment or operations; monitor coverage ratios.

LANGUAGE CHANGES
NEW — 2026-03-10
PRIOR — 2025-03-17
ADDED
As of March 9, 2026, there were 28,831,491 shares outstanding of the registrant s Common Stock, par value $0.02 per share.
Management s Discussion and Analysis of Financial Condition and Results of Operations 72 7 A .
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 104 9A.
GAAP or GAAP Generally accepted accounting principles in the United States VIE Variable Interest Entity Webster Webster Bank, N.A.
Consolidated Subsidiaries, Joint Ventures and Other Investments NSBF Newtek Small Business Finance, LLC NCL Newtek Commercial Lending, Inc., a former wholly-owned subsidiary of NewtekOne Inc., merged into NALH on May 13, 2025 Newtek Bank Newtek Bank, National Association NALH or Newtek ALP Holdings Newtek Business Services Holdco 6, Inc.
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REMOVED
As of March 14, 2025, there were 26,290,668 shares outstanding of the registrant s Common Stock, par value $0.02 per share.
Management s Discussion and Analysis of Financial Condition and Results of Operations 70 7A.
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 98 9A.
Exhibits and Financial Statement Schedules 102 Exhibits Index 103 Signatures 105 Financial Statements F- 1 Defined Terms We have used we, us, our, our company, and the Company to refer to NewtekOne, Inc.
GAAP or GAAP Generally accepted accounting principles in the United States Webster Webster Bank, N.A.
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