Company: NEWTP
Filing Date: 2025-06-06
Form Type: 424B5
Source: 0001587987-25-000104
Chunk: 11

Company: NewtekOne, Inc.
Filing Date: 2025-06-06
Form: 424B5
Chunk 11
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 |                          |     |           |     |             |     |           |
| Preferred stock (par value $0.02 per share; authorized 20 shares; 20 and 20 shares issued and outstanding, respectively            |     | $                        |     |    19,738 |     | $           |     |    19,738 |
| Common stock (par value $0.02 per share; authorized 199,980 shares; 26,342 and 24,680 shares issued and outstanding, respectively) |     |                          |     |       527 |     |             |     |       605 |
| Additional paid-in capital                                                                                                         |     |                          |     |   220,468 |     |             |     |   260,589 |
| Retained earnings                                                                                                                  |     |                          |     |    61,538 |     |             |     |    61,538 |
| Accumulated other comprehensive income (loss), net                                                                                 |     |                          |     |         9 |     |             |     |         9 |
| Total shareholders’ equity                                                                                                         |     | $                        |     |   302,280 |     | $           |     |   342,480 |
| Total liabilities and shareholders’ equity                                                                                         |     | $                        |     | 2,136,737 |     | $           |     | 2,176,936 |

(1) Long term debt consists of debt with a maturity of one year or more from March 31, 2025.

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### PLAN OF DISTRIBUTION
Keefe, Bruyette & Woods, Inc., B. Riley Securities, Inc., Cantor Fitzgerald & Co., Compass Point Research & Trading, LLC, H.C. Wainwright & Co., LLC, Hovde Group, LLC, Ladenburg Thalmann & Co. Inc., Lucid Capital Markets, LLC, Raymond James & Associates, Inc., Roth Capital Partners, LLC and UBS Securities LLC (collectively, the “Placement Agents”) are acting as our sales agents in connection with the offer and sale of shares of our common stock pursuant to the prospectus supplement, as amended by this amendment and the accompanying prospectus. Upon written instructions from us, the Placement Agents will use their commercially reasonable efforts consistent with its sales and trading practices to sell, as our sales agent, our common stock under the terms and subject to the conditions set forth