Filing Flows › NewtekOne (NEWT) › Guidance & outlook
NewtekOne (NEWT) guidance and outlook
NewtekOne's 10-Q filed Nov 6, 2026 makes 15 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 6, 2026
- And while we believe such information forms, or will form, a reasonable basis for such statements, such information may be limited or incomplete, and our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information.
- Our target market is owners and prospective owners of SMBs and our services are offered online and in some cases delivered and fulfilled by our staff via video and voice calls.
- Going forward, we intend to rely less on gain on sales and more on recurring interest income.
- There can be no guarantee that we will continue to earn revenue from the sales of guaranteed portions of SBA 7(a) loans at the historic levels we have in the past.
- We expect this shift toward lower-cost deposit funding to remain a primary driver of our funding profile as the wind-down of NSBF’s legacy portfolio progresses.
- We monitor developments and seek to manage our investments in a manner consistent with achieving our investment objective, but there can be no assurance that we will be successful in doing so.
- There can be no assurance that we will continue to earn revenue from the sales of guaranteed portions of SBA 7(a) loans at the historic levels we have in the past.
- The decrease reflects that we are holding more guaranteed portions of SBA 7(a) loans on our balance sheet than we have in the past, which is having the anticipated effect of generating net interest income growth and transitioning the mix of revenue away from gain on sale income to recurring net interest income.
- In accordance with ASC 326, the zero loss exception is applied and no allowance for credit losses has been recorded on the guaranteed portions given these portions of loans are guaranteed by a government-sponsored entity, the SBA guarantees are in full force and the Company expects to collect the guaranteed amounts in full from the SBA in the event of borrower defaults While the allowance coverage ratio to total…
- In addition, the Company performs stress testing designed to assess our ability to meet both expected and unexpected cash flow needs.
- The Company and the Bank manage their capital to comply with their internal planning targets and regulatory capital standards administered by federal banking agencies.
- We expect to satisfy these requirements through deposit growth, cash flows from operations including loan sales and repayments, and, as needed, securitization and capital-markets financing.
NewtekOne's latest quarter
NewtekOne, Q3 2026: revenue $71.8M (-4% year over year), operating margin 19.8%, net earnings $10.7M, operating cash flow −$152M. The chart follows the revenue to costs, profit and cash.
Questions
What does NewtekOne expect?
And while we believe such information forms, or will form, a reasonable basis for such statements, such information may be limited or incomplete, and our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. Our target market is owners and prospective owners of SMBs and our services are offered online and in some cases delivered and fulfilled by our staff via video and voice calls. Going forward, we intend to rely less on gain on sales and more on recurring interest income.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.