NEWTOMEDIUM SIGNALFINANCIAL10-K

NEWTO demonstrated solid balance sheet expansion with total assets growing to $2.7B while maintaining profitable operations and increasing dividend distributions.

The company's 33% asset growth coupled with a 46% increase in deposits suggests successful business expansion and customer acquisition in its banking operations. The 19% net income growth alongside a 39% increase in dividends paid indicates management confidence in sustainable earnings power and commitment to shareholder returns.

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

NEWTO exhibited broad-based growth across its balance sheet with assets, liabilities, and deposits all expanding meaningfully while stockholders' equity increased 34% to $398M. The company maintained profitable operations with net income growing 19% to $60.5M while significantly reducing capital expenditures from $439K to $106K. Management demonstrated confidence in the business by increasing dividend payments 39% to $28M, suggesting strong cash generation capabilities supporting both growth investments and shareholder distributions.

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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