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NewtekOne Inc (NEWT) (Q3 2026) Earnings Call Highlights: Record Net Interest Income

NewtekOne Inc (NEWT) reported Q3 2026 diluted EPS of $0.34 and maintained full-year 2026 EPS guidance of $1.70-$1.80. Net interest income hit a record $18.9M, up 26% QoQ and 30% YoY. Tangible book value grew 10% YoY to $12.30 per share. However, non-accruals in the C&I LA loan portfolio increased to $82M, and core consumer deposits declined $231M QoQ. Management highlighted seasonal Q4 lending growth and a planned Q1 2027 securitization of $350-$400M in collateral.

Original reporting
finance.yahoo.com
Published Oct 29, 2026, 11:06 AM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 29, 2026, 11:11 AM UTC. Informational, not investment advice.
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NewtekOne Inc (NEWT) (Q3 2026) Earnings Call Highlights: Record Net Interest Income — source image
Source · finance.yahoo.com
Decision brief

The 30-second read

$NEWTBearishMed
01

Why it matters

The earnings release provides fresh quantitative data on profitability and credit risk, informing short‑term trading decisions.

02

Market read

Earnings beat on NII and stable guidance may support the stock, but credit‑risk flags introduce uncertainty.

03

What to watch

The upcoming $350‑$400 M securitization in Q1 2027 could materially improve balance‑sheet ratios.

Relevance 7/10Novelty 8/10Timing: post‑earnings today

Background

NewtekOne Inc. reported its Q3 2026 earnings, emphasizing record net interest income and reiterating full‑year guidance.

Company-level read

Ticker impact

$NEWTBearishHigh confidence
Context

Q3 2026 diluted EPS of $0.34 and record net interest income of $18.9 million were disclosed.

Expected impact

modest upside pressure as guidance remains unchanged and NII growth is strong, tempered by credit‑risk concerns

Evidence & confidence

The company delivered better‑than‑expected earnings and record NII, reinforcing its growth story, yet higher non‑accruals could limit upside.

Market effects

Sector

Highlights strength in niche SBA loan banking and potential credit‑risk pressure for small‑business lenders.

Regional

U.S. small‑cap financial sector may see modest lift from NewtekOne's earnings.

Global

Limited to U.S. regional banking niche.

Counterpoint

What could challenge this read

Rising non‑accruals and deposit outflows could outweigh NII gains, prompting a sell‑off.

Key entities

  • Executive
    Barry Sloane

    Chairman, President & CEO of NewtekOne, provided commentary on earnings and future securitization.

Read at source← All news

StoryNewtekOne reports Q3 2026 earnings miss but highlights record net interest income and strong deposit growth

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NewtekOne reported Q3 net interest income of $18.9M, up 26% sequentially and 30% YoY, driven by Long Am loans and SBA 7(a) strategies. The company expects 20% sequential growth in Q4. It holds a $57M credit loss reserve, with 90% tied to unguaranteed SBA loans. NewtekOne is exploring strategic alternatives to highlight its technology value and plans a $350M-$400M securitization in early 2027.

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