NEWT Stock Analysis: NewtekOne | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 435m USD | 12M Return: 30.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.41M
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 financial holding company that provides integrated business and banking solutions to the small- and medium-sized business (SMB) market. Following its conversion from a Business Development Company (BDC) to a bank holding company in early 2023, the firm operates primarily through Newtek Bank, N.A. to offer lending, deposit accounts, and treasury management.
The company’s business model is diversified across several non-interest income streams, including electronic payment processing, payroll management, and insurance brokerage services. As a major participant in the U.S. Small Business Administration (SBA) lending program, NewtekOne generates revenue by originating government-guaranteed loans and selling the guaranteed portions into the secondary market for premiums.
The Diversified Financial Services sector often exhibits higher sensitivity to interest rate fluctuations and credit cycles affecting SMB stability. Investors may find it useful to examine the historical yield and valuation trends for NEWT on ValueRay. Headquartered in Boca Raton, Florida, the company leverages a tech-enabled platform to provide cloud-based point-of-sale systems and administrative services to niche industries such as retail, hospitality, and healthcare.
- SBA loan origination volume drives interest income and gain-on-sale revenue
- Transition to financial holding company impacts regulatory capital and dividend policy
- Net interest margin fluctuates based on Federal Reserve benchmark rate changes
- Payment processing volume and merchant service fees dictate non-interest income growth
- Credit quality of small business loan portfolio affects provision for losses
| 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 08, 2026, the stock is trading at USD 14.30 with a total of 201,962 shares traded. Over the past week, the price has changed by -6.04%, over one month by +8.25%, over three months by +25.82% and over the past year by +30.35%.
Current recommended Stop Loss: 13.50 (which is 5.6% or 1.5 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 | 16.8 | 17.5% |
P/E Trailing = 6.6637
P/E Forward = 6.3091
P/S = 1.1071
P/B = 1.2018
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 = 2.45b USD (435.1m + Debt 2.41b - CCE 403.0m)
Interest Coverage Ratio = 1.42 (Ebit TTM 130.0m / Interest Expense TTM 91.8m)
EV/FCF = -5.63x (Enterprise Value 2.45b / FCF TTM -434.8m)
FCF Yield = -17.77% (FCF TTM -434.8m / Enterprise Value 2.45b)
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 = 0.85 (Enterprise Value 2.45b / 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 = 4.00% (E(435.1m)/V(2.85b) * Re(10.29%) + D(2.41b)/V(2.85b) * Rd(3.80%) * (1-Tc(0.24)))
Discount Rate = 10.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 62.86 | 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=0.47 | Chg30d=+0.00% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.61 | Chg30d=+0.00% | Revisions=+50% | Analysts=5
EPS current Year (2026-12-31): EPS=2.38 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+9.4% | GrowthRev=+13.9%
EPS next Year (2027-12-31): EPS=2.53 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+6.2% | GrowthRev=+10.0%
[Analyst] Revisions Ratio: +62% (up=9, down=1)