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NewtekOne (NEWT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · NewtekOne (NEWT) Q3 2026 earnings results →
Q3 2026 Revenue down 4% year over year to $71.8M · 15¢ of every $1 of revenue kept as net profit · operating margin 19.8%
NewtekOne made $71.8M in Q3 2026 (-4% Y/Y): Noninterest income $52.9M, Net interest income $18.9M. Operating margin 19.8%, net earnings $10.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $71.8M in Q3 2026, down 4% year over year and down 4% from the previous quarter. Noninterest income was the largest line at 74% of revenue. Noninterest income lost $7.5M year over year (down 12%), 238% of the total change.
Operating profit was $14.2M, a 19.8% margin (down 13.6 points year over year). Total costs grew 15% against a revenue fall of 4%. The fastest-growing cost line was Credit loss provision (+100%). Net earnings were $10.7M, down 40% year over year. The effective tax rate was 24.7%.
Operating cash flow was −$152.5M. Non-cash charges added back $127K of depreciation and amortization and $608K of share-based compensation. Working capital and other items used $163.9M. Capital expenditures of −$33K exceeded it, leaving free cash flow of −$152.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $71.8M | -4% | 19.8% | $10.7M | −$152M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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About NewtekOne
We are a financial holding company subject to the regulation and supervision of the Federal Reserve and the Federal Reserve Bank of Atlanta that, together with our consolidated subsidiaries, provides a wide range of business and financial solutions under the Newtek ® and NewtekOne ® brands to the independent business owner (SMB) market. Prior to January 6, 2023 when we acquired Newtek Bank and converted to a financial holding company, we operated as an internally managed non-diversified closed-end management investment company that was regulated as a BDC under the 1940 Act, and was treated as a RIC under the Code for U.S. federal income tax purposes. See “Executive Overview - Conversion to a Financial Holding Company. ”
In its own words, from its 10-K, filed Mar 10, 2026.
NewtekOne against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -4% against the peers' median +6%. Operating margin: 19.8% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| NEWT NewtekOne | Q3 2026 | $71.8M | -4% | 19.8% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: NewtekOne 10-Q on SEC EDGAR · CIK 1587987 · National Commercial Banks
Guidance and outlook
13F: who owns NEWT and who is buying
More on NEWT
History
Every quarter: Q3 2026 results