NewtekOne, Inc.: management transactions · United States · SEC (Form 4)

About NewtekOne, Inc.

NewtekOne, Inc. (ticker: NEWT) is a U.S.-listed financial services company traded on the NASDAQ and headquartered in Boca Raton, Florida, United States. Founded in 1998 and publicly traded since 2000, the company has evolved from a business services platform into a financial holding company built around a bank subsidiary and non-bank subsidiaries. Its stated mission is to provide a broad set of business and financial solutions to independent business owners and small-to-medium-sized businesses, positioning itself as a one-stop partner rather than a single-product lender. ([newtekone.com](https://www.newtekone.com/about/?utm_source=openai)) NewtekOne’s business model spans several complementary lines: business lending, banking services, payment processing, payroll and employee-benefits services, IT solutions, web and e-commerce support, and other operational tools for business customers. The company highlights Newtek Bank, N.A. for deposit and banking solutions, alongside its Newtek Advantage cloud-based operating platform, which is designed to aggregate services into a unified experience. This integrated structure gives NewtekOne a differentiated market position versus traditional banks, point-solution fintechs, and standalone servicers, especially for owners seeking to outsource multiple administrative and financial functions to a single provider. ([newtekone.com](https://www.newtekone.com/about/?utm_source=openai)) From a competitive standpoint, NewtekOne addresses a highly fragmented U.S. SMB market where customers often need credit, deposits, payment solutions, and back-office support from a single relationship. The company says it serves businesses in all 50 states, underscoring a national footprint centered on the domestic U.S. market. Its competitive edge comes from bundling lending with banking and operational services, creating multiple revenue streams that can include net interest income, fee income, and recurring service revenues. In that sense, NewtekOne sits at the intersection of specialty finance, community banking, and business services. ([newtekone.com](https://www.newtekone.com/about/?utm_source=openai)) Recent developments have been constructive. In January 2026, NewtekOne reported full-year 2025 diluted EPS of $2.18 versus $1.96 in 2024 and set a 2026 guidance midpoint of $2.35 per share. Management also pointed to improving or stabilizing credit metrics at Newtek Bank and to continued expansion of the business model beyond 2025. Additional recent disclosures indicate a shift of certain C&I loan origination activity to the bank subsidiary, while the company also announced a quarterly dividend in 2026. For investors, the case is that of a U.S. small-cap financial compounder with meaningful sensitivity to funding costs, credit performance, and execution discipline. ([newtekbusinessservicescorp.gcs-web.com](https://newtekbusinessservicescorp.gcs-web.com/news-releases/news-release-details/newtekone-inc-reports-4q25-and-year-date-2025-basic-and-diluted?utm_source=openai))