# NEWT earnings call intelligence

LOPJLB CallCard / temporal rollup · freemium · [stock page](https://www.lopjlb.com/stock/NEWT) · [Earnings tab](https://www.lopjlb.com/stock/NEWT?tab=earnings)

Updated: 2026-07-27T05:16:25

Quarters analyzed: 8

## Cross-quarter narrative

Across eight quarters from 2024 Q2 to 2026 Q1, NewtekOne (NEWT) has consistently beaten EPS estimates and maintained or raised forward guidance. Early quarters highlighted strong deposit and loan growth (17%/13% in Q2 2024, 12%/17% in Q3 2024) and completion of a $190.5M ALP securitization. By 20

## Latest CallCard · Q1

NEWT Q1 2026: EPS $0.43 beats consensus, reaffirms 2026 $2.35 midpoint, sets 2027 $2.60 midpoint; loan originations +40% YoY, deposits double, C&I LA shift to bank funding improves margins, credit stabilizing. Tangible book $11.84 targeting $13.50.

**Guidance:** maintained — Reaffirmed 2026 EPS guidance midpoint $2.35; established 2027 EPS midpoint $2.60 vs Street ~$2.43.

**Tone:** mgmt 0.3 · Q&A pressure 0.4 · divergence 0.2

Management highlights strong EPS beat, tangible book growth, 40% loan origination growth, deposit doubling, technological advantages (7-day loan, AI underwriting, real-time payments), controlled growth philosophy, and credit stabilization (NPLs down 4th consecutive quarter).

### Demand visibility

Strong loan origination momentum (961 units +40% YoY, March 500 units, April +10% YoY), deposit accounts doubled to 37k, C&I LA pipeline growing, 7-day loan driving conversion, but SBA program changes reduced eligible borrowers 10-20%.

Q1 2026 originated 961 loan units (+4

## Quarter one-liners

- **2026 Q1:** NEWT Q1 2026: EPS $0.43 beats consensus, reaffirms 2026 $2.35 midpoint, sets 2027 $2.60 midpoint; loan originations +40% YoY, deposits double, C&I LA shift to bank funding improves margins, credit stabilizing. Tangible book $11.84 targeting $13.50.
- **2025 Q4:** NEWT reports record 2025 earnings ($80M pre-tax, $284M revenue), guides 2026 EPS $2.35 midrange, highlights
- **2025 Q3:** NEWT reports strong Q3 with EPS growth, deposit expansion, and large ALP securitization planned; but SBA shutdown and program changes create near-term uncertainty. Tangible book value up 62% since 2023. NPLs elevated at 8.1% but stabilizing. Capital raised, efficiency improving. Guidance vague due t
- **2025 Q2:** —
- **2025 Q1:** NewtekOne beats Q1 EPS, maintains full-year guidance $2.10-$2.50, highlights ALP securitization success and deposit mix shift, but acknowledges tougher credit acquisition and higher provisions.','tone': {'mgmt': 0.1, 'mgmt_rationale': 'Management emphasizes earnings beat, maintained guidance, ALP su
- **2024 Q4:** —
- **2024 Q3:** NewtekOne beat Q3 EPS ($0.45 vs $0.43 consensus), reaffirmed 2025 EPS guidance $2-$2.25, highlighted strong deposit/loan growth (12%/17%), high NIM 5.29%, efficiency 39%, but higher provision ($6.9M) and reserve coverage 500bps; focusing on risk-adjusted returns and ALP traction.','tone': {'mgmt': 0
- **2024 Q2:** NEWT Q2 EPS $0.43 beats $0.405 consensus; reaffirms 2024 EPS guidance $1.85-$2.05; deposit growth 17%, loan growth 13%; completed $190.5M ALP securitization; highlights strong returns despite higher credit losses.','tone': {'mgmt': 0.7, 'mgmt_rationale': 'Management highlights strong Q2 results, dep

## Guidance path

2024 Q2:vague → 2024 Q3:vague → 2024 Q4:vague → 2025 Q1:vague → 2025 Q2:vague → 2025 Q3:vague → 2025 Q4:vague → 2026 Q1:maintained

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Research context only. Not personalized investment advice.

API: `GET /bff/api/bigfive/earnings-intel/NEWT`