NewtekOne, Inc. (NEWT)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
NewtekOne, Inc. (NEWT) trades at $14.35 with AI Score 38/100 (Grade D). NewtekOne, Inc. is a financial holding company providing business and financial solutions. Market cap: $414.65M, Sector: Financial services.
Price live · AI analysis from May 9, 2026NEWT stock analysis for 2026: Analysts have set a consensus price target of $13.50 for NewtekOne, Inc., suggesting 5.9% downside from the current price of $14.35. The AI MoonshotScore is 38/100, indicating a bearish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
NEWT: the 7 perspectives are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →NewtekOne, Inc. (NEWT) Financial Services Profile
NewtekOne, Inc. is a financial holding company providing diverse business and financial solutions, including banking, lending, payments, insurance, payroll, and technology services. The company targets small and medium-sized businesses, differentiating itself through a comprehensive suite of offerings and integrated platform.
What Is the Investment Thesis for NEWT?
NewtekOne, Inc. presents a compelling investment case based on its diversified financial service offerings and focus on the underserved small and medium-sized business (SMB) market. The company's integrated platform provides multiple revenue streams and cross-selling opportunities. With a P/E ratio of 6.2 and a dividend yield of 5.33% as of May 9, 2026, NewtekOne offers potential value. Growth catalysts include expansion of Newtek Bank's services and increased adoption of its payment and technology solutions. However, investors may want to evaluate the risks associated with regulatory changes and competition in the financial services sector.
Based on FMP financials and quantitative analysis
NEWT Key Highlights
- Market capitalization of $414.65M indicates a mid-sized financial services company.
- P/E ratio of 6.2 suggests the company may be undervalued compared to its earnings.
- Profit margin of 19.4% reflects efficient operations and profitability.
- Gross margin of 70.5% indicates a strong ability to manage costs and generate revenue.
- Dividend yield of 5.33% offers an attractive income stream for investors.
Who Are NEWT's Competitors?
NEWT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| NXDT NexPoint Diversified Real Estate Trust | $5.53 | +3.08% | $285.77M | 73 |
| GENB Generate Biomedicines, Inc. | $17.03 | -2.18% | $2.18B | 72 |
| SII Sprott Inc. | $118.11 | +2.72% | $3.05B | 71 |
| TPZ Tortoise Electrification Infrastructure ETF | $21.82 | +0.74% | $128.52M | 70 |
| STEX Streamex Corp. (STEX) is focused on real-world asset tokenization, particularly integrating the gold and commodities market into blockchain technology. The company | $1.09 | +12.29% | $43.15M | 62 |
| DIAX Nuveen Dow 30 Dynamic Overwrite Fund | $14.10 | -0.91% | $512.77M | 62 |
| MERFX The Merger Fund - Class A | $17.50 | -0.06% | $2.50B | 62 |
| PCM PCM Fund Inc. | $5.76 | +0.00% | $71.13M | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NEWT's Key Strengths?
- Diversified revenue streams from multiple business lines.
- Integrated platform offering a comprehensive suite of services.
- Strong focus on the underserved SMB market.
- Experienced management team with a proven track record.
What Are NEWT's Weaknesses?
- Reliance on economic conditions affecting SMBs.
- Exposure to regulatory changes in the financial services industry.
- Competition from larger financial institutions and fintech companies.
- Potential credit risks associated with lending activities.
What Could Drive NEWT Stock Higher?
- Expansion of Newtek Bank's product offerings and geographic reach.
- Increased adoption of Newtek Payments' digital payment solutions.
- Cross-selling initiatives driving revenue growth across different business lines.
What Are the Key Risks for NEWT?
- Financial-distress signal — its Altman Z-Score of 0.60 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting SMBs' ability to repay loans.
- Regulatory changes increasing compliance costs and affecting business operations.
- Competition from larger financial institutions and fintech companies.
- Cybersecurity threats and data breaches compromising customer data.
What Are the Growth Opportunities for NEWT?
- Expansion of Newtek Bank: NewtekOne can leverage its Newtek Bank brand to expand its banking services, including deposit accounts, loans, and other financial products. The market for SMB banking services is substantial, with an estimated market size of $100 billion annually. By offering competitive rates and personalized service, NewtekOne can attract new customers and increase its market share. Timeline: Ongoing.
- Increased Adoption of Payment Solutions: Newtek Payments offers significant growth potential as businesses increasingly adopt digital payment methods. The global digital payments market is projected to reach $10 trillion by 2030. NewtekOne can capitalize on this trend by offering innovative payment solutions and integrating them with its other services. Timeline: Ongoing.
- Cross-Selling Opportunities: NewtekOne's integrated platform allows for cross-selling of its various services, such as lending, insurance, and payroll. By bundling these services, NewtekOne can increase customer retention and generate additional revenue. The potential for cross-selling is significant, with an estimated market size of $50 billion annually. Timeline: Ongoing.
- Strategic Partnerships: NewtekOne can form strategic partnerships with other companies to expand its reach and offer new services. For example, it could partner with technology companies to offer integrated software solutions or with insurance providers to offer specialized insurance products. Strategic partnerships can provide access to new markets and customers. Timeline: Ongoing.
- Technological Innovation: Investing in technological innovation can help NewtekOne improve its efficiency, enhance its customer experience, and develop new products and services. For example, it could develop a mobile app that allows customers to manage their accounts and access its services on the go. Technological innovation is essential for staying competitive in the financial services industry. Timeline: Ongoing.
What Opportunities Does NEWT Have?
- Expansion into new geographic markets.
- Development of new products and services to meet evolving customer needs.
- Strategic partnerships to expand reach and capabilities.
- Increased adoption of digital financial services.
What Threats Does NEWT Face?
- Economic downturns impacting SMBs' ability to repay loans.
- Increased competition from new entrants and existing players.
- Regulatory changes increasing compliance costs.
- Cybersecurity threats and data breaches.
What Are NEWT's Competitive Advantages?
- Diversified service offerings create a comprehensive solution for SMBs.
- Integrated platform enables cross-selling and customer retention.
- Established brand reputation in the SMB market.
- Proprietary technology platform enhances efficiency and customer experience.
What Does NEWT Do?
Founded in 1998 by Barry Sloane, NewtekOne, Inc. has evolved into a financial holding company focused on providing a comprehensive suite of business and financial solutions. Initially, the company focused on technology and e-commerce solutions for small businesses. Over time, NewtekOne strategically expanded its services to include lending, payment processing, insurance, and payroll services to address the multifaceted needs of its target market. The company operates through its various brands, including Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. Newtek Bank offers a range of banking products and services, while Newtek Lending provides financing solutions tailored to small and medium-sized businesses. Newtek Payments facilitates payment processing services, and Newtek Insurance offers various insurance products. Newtek Payroll provides payroll processing solutions, and Newtek Technology delivers technology-related services. Headquartered in Boca Raton, Florida, NewtekOne, Inc. serves businesses across the United States.
What Products and Services Does NEWT Offer?
- Provides banking services through Newtek Bank.
- Offers lending solutions tailored to small and medium-sized businesses.
- Facilitates payment processing services through Newtek Payments.
- Provides insurance products through Newtek Insurance.
- Offers payroll processing solutions through Newtek Payroll.
- Delivers technology-related services through Newtek Technology.
How Does NEWT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from payment processing services.
- Receives commissions from insurance products.
- Charges fees for payroll processing services.
What Industry Does NEWT Operate In?
NewtekOne, Inc. operates within the financial services industry, specifically targeting the asset management and business solutions market for small and medium-sized businesses (SMBs). The industry is characterized by increasing demand for integrated financial solutions and technological advancements. Competition includes traditional banks, fintech companies, and other financial service providers. NewtekOne differentiates itself through its comprehensive suite of services and focus on the SMB market, positioning it to capitalize on the growing need for tailored financial solutions.
Who Are NEWT's Key Customers?
- Small and medium-sized businesses (SMBs).
- Entrepreneurs seeking financing solutions.
- Businesses requiring payment processing services.
- Companies needing insurance products.
- Businesses looking for payroll processing solutions.
Company Profile
NewtekOne, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Boca Raton, US. The company is led by CEO Barry Scott Sloane. NEWT has traded publicly since 2000.
How NewtekOne, Inc. Is Valued
NewtekOne, Inc. carries a market capitalization of $414.65M, placing it in the small-cap category. Relative to its peer group, NEWT's quantitative score of 38/100 is below the peer average of 70/100.
ROE 17%Key Financial Metrics
Return on equity for NewtekOne, Inc. stands at 17.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.2%, showing how much profit it generates from its asset base. NEWT trades at a trailing price-to-earnings ratio of 6.19, below the Financial Services sector average of ~18x. Its free cash flow yield is -99.5%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 13.7%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
NewtekOne, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.60 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project NewtekOne, Inc. revenue of about $323.9M for fiscal 2026, with EPS near $2.36. The estimate reflects 3 contributing analysts.
NEWT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in NewtekOne's future prospects, hinting that those closest to the company see value at current levels.
- The community sentiment seems to be leaning towards optimism regarding NewtekOne's strategic shift towards a more streamlined business model.
- Positive chatter in social trading circles indicates a belief that NewtekOne's focus on small business lending will benefit from the current economic environment.
- Market perception suggests that NewtekOne is successfully navigating regulatory challenges, reducing uncertainty and potentially attracting more investors.
Bear Case
- Some community members express concerns about the long-term impact of the changing interest rate environment on NewtekOne's lending portfolio.
- There's a prevailing sentiment in some quarters that NewtekOne's growth prospects might be limited by increased competition in the small business lending space.
- Certain segments of the trading community are wary of NewtekOne's past performance, questioning whether recent changes are enough to drive sustained profitability.
- Market perception reveals some skepticism about NewtekOne's ability to maintain its dividend payout given the current economic headwinds, raising concerns about investor returns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NEWT Latest News
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NEWT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NEWT.
Price Targets
Consensus target: $13.50
NEWT MoonshotScore
What does this score mean?
The MoonshotScore rates NEWT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Leadership: Barry Scott Sloane
Chairman, President and Chief Executive Officer
Barry Scott Sloane is the Chairman, President, and Chief Executive Officer of NewtekOne, Inc. He founded the company in 1998 and has since led its growth and diversification. Sloane has extensive experience in the financial services and technology industries. He has held various leadership positions in both public and private companies. His expertise includes strategic planning, business development, and financial management. Sloane's vision has been instrumental in shaping NewtekOne's strategy and driving its success.
Track Record: Under Barry Sloane's leadership, NewtekOne has grown from a technology solutions provider to a diversified financial holding company. Key achievements include the successful launch of Newtek Bank, the expansion of its lending and payment processing services, and the development of its integrated platform. Sloane has also overseen several strategic acquisitions and partnerships that have enhanced NewtekOne's capabilities and market position.
NEWT Financial Services Stock FAQ
What does NewtekOne, Inc. do?
NewtekOne, Inc. operates as a financial holding company, providing a comprehensive suite of business and financial solutions to small and medium-sized businesses (SMBs). Its services include banking, lending, payment processing, insurance, payroll, and technology solutions. The company aims to be a one-stop shop for SMBs, offering integrated services to meet their diverse needs and support their growth. NewtekOne differentiates itself through its focus on the underserved SMB market and its commitment to providing personalized service.
What do analysts say about NEWT stock?
Analyst coverage of NewtekOne, Inc. (NEWT) generally focuses on its growth potential within the SMB financial services market and its diversified revenue streams. Key valuation metrics include its P/E ratio and dividend yield, which are often compared to industry peers. Growth considerations include the expansion of Newtek Bank, the adoption of its payment solutions, and the success of its cross-selling initiatives. Investors should conduct their own due diligence and consider their individual risk tolerance before making any investment decisions.
What are the main risks for NEWT?
NewtekOne, Inc. faces several risks, including economic downturns that could impact SMBs' ability to repay loans, regulatory changes that could increase compliance costs, and competition from larger financial institutions and fintech companies. Cybersecurity threats and data breaches also pose a risk to customer data and the company's reputation. Effective risk management and compliance are crucial for NewtekOne to mitigate these risks and maintain its financial stability.
What are the key factors to evaluate for NEWT?
NewtekOne, Inc. (NEWT) holds an AI score of 38/100 (low). P/E: 6.2x vs the S&P 500's ~20-25x. Analysts target $13.50 (-6%). Not financial advice.
How frequently does NEWT data refresh on this page?
NEWT prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven NEWT's recent stock price performance?
NewtekOne, Inc. (NEWT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from multiple business lines. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NEWT overvalued or undervalued right now?
NewtekOne, Inc. (NEWT) trades at 6.2x earnings. Analysts target $13.50 (-6%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NEWT?
Before investing in NewtekOne, Inc. (NEWT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
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