NEWT FINANCIAL STATEMENTS

NewtekOne, Inc. — balance sheet, income statement and cash flow trends

NEWTNewtekOne, Inc.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue331.9 M $-0.4%

Gross Profit234 M $+11.2%

Operating Income130 M $+93.4%

EBITDA130.6 M $+90.3%

Net Income64.5 M $+27.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
NEWT	—	—	—	19.4%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity404.7 M $14%
Current Liabilities492 K $0%
Long-term Liabilities2.5 B $86%

Key Figures

YoY change

Total Assets2.9 B $+35.1%

Total Liabilities2.5 B $+35.3%

Total Equity404.7 M $+33.9%

Cash & ST Investments403 M $+49.3%

Total Debt2.4 B $+209.2%

Net Debt2 B $+293.9%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
NEWT	923.84	596.0%	15.38	14.0%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
NEWT	923.84	596.0%	15.38	14.0%
BMRC	63.65	6.2%	-26.17	10.1%
BWFG	51.00	41.6%	-1.40	9.2%
WTBA	0.15	138.6%	-2.40	6.8%
FRBA	0.13	57.0%	-2.48	11.3%
RBB	0.21	54.6%	-5.17	12.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow-434.7 M $—

Capital Expenditures158 K $-62.3%

Free Cash Flow-434.8 M $—

Dividends Paid-29.3 M $-241.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
NEWT	-131.0%	-131.0%	0.0%	-673.4%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
NEWT	-131.0%	-131.0%	0.0%	-673.4%
BMRC	18.7%	17.8%	0.9%	74.0%
BWFG	15.1%	14.4%	0.7%	81.0%
WTBA	24.8%	23.7%	1.2%	140.6%
FRBA	22.7%	21.7%	1.1%	134.5%
RBB	22.5%	22.3%	0.3%	134.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.