NEWT Stock Analysis: NewtekOne | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 417m USD | 12M Return: 29.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.30M
EPS Trend: 93.0%
Qual. Beats: 0
Rev. Trend: 94.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
NewtekOne, Inc. (NASDAQ: NEWT) is a bank holding company that operates Newtek Bank, National Association and provides business and financial solutions to the small- and medium-sized business (SMB) market under the Newtek and NewtekOne brands. The company accepts a range of deposit products, including demand, savings, NOW, money market, and time deposits, and originates loans such as U.S. Small Business Administration (SBA) loans, commercial and industrial loans, and commercial real estate loans.
Beyond traditional banking, NewtekOne operates a diversified financial services platform that includes electronic payment processing (credit and debit card processing, check approval, processing equipment, and software), cloud-based point-of-sale systems for industries such as restaurants, retail, assisted living, taxi, parks, and golf courses, wholesale brokerage insurance agency services, and payroll management with related tax reporting. It also offers inbound and outbound calling services. This multi-line structure places it within the diversified financial services sub-industry, combining regulated banking activities with payments, insurance brokerage, and business process services aimed at SMBs.
The company was founded in 1998, is headquartered in Boca Raton, Florida, and was formerly known as Newtek Business Services Corp. before adopting its current name in January 2023. As a bank holding company, NewtekOne is subject to regulation and supervision by federal banking authorities, and its emphasis on SBA lending and SMB-focused services reflects a common business model among community-oriented banks that pair traditional deposit and lending products with fee-based financial technology and business services to diversify revenue.
- SBA loan origination and premium sales drive quarterly earnings
- Net interest margin sensitive to Fed rate cut path
- Payment processing segment growth diversifies revenue mix
- CRE loan portfolio credit quality pressured by higher rates
| Net Income: 64.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.15 > 0.02 and ΔFCF/TA -5.47 > 1.0 |
| NWC/Revenue: -376.4% < 20% (prev -251.2%; Δ -125.1% < -1%) |
| CFO/TA -0.15 > 3% & CFO -434.7m > Net Income 64.5m |
| Net Debt (2.01b) to EBITDA (130.6m): 15.40 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (31.2m) vs 12m ago 21.98% < -2% |
| Gross Margin: 70.49% > 18% (prev 63.19%; Δ 7.30% > 0.5%) |
| Asset Turnover: 13.21% > 50% (prev 15.59%; Δ -2.38% > 0%) |
| Interest Coverage Ratio: 1.42 > 6 (EBIT TTM 130.0m / Interest Expense TTM 91.8m) |
| A: -0.43 (Total Current Assets 454.5m - Total Current Liabilities 1.70b) / Total Assets 2.89b |
| B: 0.04 (Retained Earnings 101.8m / Total Assets 2.89b) |
| C: 0.05 (EBIT TTM 130.0m / Avg Total Assets 2.51b) |
| D: 0.16 (Book Value of Equity 404.7m / Total Liabilities 2.48b) |
| Altman-Z'' = -2.20 = D |
| DSRI: 1.02 (Receivables 51.5m/50.7m, Revenue 331.9m/333.1m) |
| GMI: 0.90 (GM 63.19% / 70.49%) |
| AQI: 1.01 (AQ_t 0.84 / AQ_t-1 0.84) |
| SGI: 1.00 (Revenue 331.9m / 333.1m) |
| TATA: 0.17 (NI 64.5m - CFO -434.7m) / TA 2.89b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 14.37 with a total of 197,785 shares traded. Over the past week, the price has changed by -3.88%, over one month by -5.58%, over three months by +12.22% and over the past year by +29.57%.
Current recommended Stop Loss: 13.70 (which is 4.7% or 1.4 ATR below the current price).
NewtekOne has received a consensus analysts rating of 3.40. Therefore, it is recommended to hold NEWT.
- StrongBuy: 1
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 17.2 | 19.7% |
P/E Trailing = 6.385
P/E Forward = 6.1387
P/S = 1.0608
P/B = 1.1694
P/EG = 3.2026
Revenue TTM = 331.9m USD
EBIT TTM = 130.0m USD
EBITDA TTM = 130.6m USD
Long Term Debt = 515.7m USD (from longTermDebt, last quarter)
Short Term Debt = 492k USD (from shortTermDebt, last quarter)
Debt = 2.41b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.76m
Net Debt = 2.01b USD (calculated: Debt 2.41b - CCE 403.0m)
Enterprise Value = 2.43b USD (416.9m + Debt 2.41b - CCE 403.0m)
Interest Coverage Ratio = 1.42 (Ebit TTM 130.0m / Interest Expense TTM 91.8m)
EV/FCF = -5.59x (Enterprise Value 2.43b / FCF TTM -434.8m)
FCF Yield = -17.90% (FCF TTM -434.8m / Enterprise Value 2.43b)
FCF Margin = -131.0% (FCF TTM -434.8m / Revenue TTM 331.9m)
Net Margin = 19.45% (Net Income TTM 64.5m / Revenue TTM 331.9m)
Gross Margin = 70.49% ((Revenue TTM 331.9m - Cost of Revenue TTM 97.9m) / Revenue TTM)
Gross Margin QoQ = 81.85% (prev 72.53%)
Tobins Q-Ratio = 0.84 (Enterprise Value 2.43b / Total Assets 2.89b)
Interest Expense / Debt = 3.80% (Interest Expense 91.8m / Debt 2.41b)
Taxrate = 24.43% (20.9m / 85.4m)
NOPAT = 98.3m (EBIT 130.0m * (1 - 24.43%))
Current Ratio = 0.27 (Total Current Assets 454.5m / Total Current Liabilities 1.70b)
Debt / Equity = 5.97 (Debt 2.41b / totalStockholderEquity, last quarter 404.7m)
Debt / EBITDA = 15.40 (Net Debt 2.01b / EBITDA 130.6m)
Debt / FCF = -4.63 (negative FCF - burning cash) (Net Debt 2.01b / FCF TTM -434.8m)
Total Stockholder Equity = 375.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.57% (Net Income 64.5m / Total Assets 2.89b)
RoE = 17.20% (Net Income TTM 64.5m / Total Stockholder Equity 375.3m)
RoCE = 14.60% (EBIT 130.0m / Capital Employed (Equity 375.3m + L.T.Debt 515.7m))
RoIC = 3.42% (NOPAT 98.3m / Invested Capital 2.87b)
WACC = 4.01% (E(416.9m)/V(2.83b) * Re(10.61%) + D(2.41b)/V(2.83b) * Rd(3.80%) * (1-Tc(0.24)))
Discount Rate = 10.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 66.24 | Cagr: 10.05%
[DCF] Fair Price = unknown (Cash Flow -434.8m)
EPS Correlation: 93.01 | EPS CAGR: 23.89% | SUE: 0.0 | # QB: 0
Revenue Correlation: 94.27 | Revenue CAGR: 25.72% | SUE: -0.14 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.46 | Chg30d=-1.00% | Revisions=+0% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.60 | Chg30d=-1.36% | Revisions=+50% | Analysts=6
EPS current Year (2026-12-31): EPS=2.36 | Chg30d=-0.56% | Revisions=+40% | GrowthEPS=+8.4% | GrowthRev=+12.8%
EPS next Year (2027-12-31): EPS=2.52 | Chg30d=-1.24% | Revisions=+50% | GrowthEPS=+6.8% | GrowthRev=+9.5%
[Analyst] Revisions Ratio: +62% (up=9, down=1)