Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ) Stock Analysis
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.
Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ) trades at $24.98. NewtekOne, Inc. operates as a financial holding company, providing diverse business and financial solutions through its various brands. Market cap: $721M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for NEWTZ: NEWTZ does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NEWTZ against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on NEWTZ.
How is this calculated? →Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ) Financial Services Profile
NewtekOne, Inc. (NEWTZ) is a financial holding company offering a suite of business and financial solutions, including lending, payments, insurance, payroll, and technology services, primarily targeting small and medium-sized businesses. With a market capitalization of $721M, NewtekOne operates in the asset management industry, emphasizing integrated financial solutions.
What Is the Investment Thesis for NEWTZ?
NewtekOne, Inc. presents a compelling investment case based on its diversified financial services model and focus on the SMB market. With a P/E ratio of 4.98 and a profit margin of 17.6%, the company demonstrates strong profitability. The dividend yield of 6.34% offers an attractive income stream for investors. Key growth catalysts include the expansion of Newtek Bank and the integration of its various service offerings to create synergies. However, potential risks include regulatory changes and increased competition in the financial services sector. The company's ability to maintain its gross margin of 64.6% and capitalize on cross-selling opportunities within its customer base will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
NEWTZ Key Highlights
Market capitalization of $721M, reflecting substantial investor interest in the company's financial service offerings.
- P/E ratio of 4.98, indicating that the company's stock may be undervalued compared to its earnings.
- Profit margin of 17.6%, showcasing the company's ability to generate profits from its revenue.
- Gross margin of 64.6%, highlighting the efficiency of the company's service delivery and cost management.
- Dividend yield of 6.34%, providing investors with a significant income stream relative to the stock price.
Who Are NEWTZ's Competitors?
NEWTZ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BDCIU BTC Development Corp. Unit is a blank check company formed to effect a merger, share exchange, or asset acquisition with one or more businesses. The company | $10.16 | -0.88% | $265M | 44 |
| EFTY Etoiles Capital Group Co., Ltd. | $15.02 | +0.00% | $302M | 68 |
| KRSP-UN Rice Acquisition Corporation 3 | $10.69 | +0.00% | $486M | 45 |
| NEWT NewtekOne, Inc. | $12.50 | -0.79% | $361M | 33 |
| NEWTI NewtekOne, Inc. | $25.59 | -0.00% | $432M | 56 |
| ACGP Associated Capital Group, Inc. | $33.45 | -0.06% | $698M | 67 |
| SLRC SLR Investment Corp. | $12.58 | -1.18% | $686M | 92 |
| BCSF Bain Capital Specialty Finance, Inc. | $12.04 | -0.37% | $781M | 73 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NEWTZ's Key Strengths?
Diversified service offerings catering to SMBs.
- Established brand and customer relationships.
- Proprietary technology platform.
- Experienced management team.
What Are NEWTZ's Weaknesses?
Reliance on economic conditions affecting SMBs.
- Exposure to regulatory changes in the financial services sector.
- Potential for increased competition from fintech companies.
- Sensitivity to interest rate fluctuations.
What Could Drive NEWTZ Stock Higher?
NEWTZ catalyst: Expansion of Newtek Bank's branch network and service offerings, expected to drive revenue growth in 2026.
- Integration of acquired businesses and technologies to create synergies and improve efficiency.
- Development and launch of new financial products and services tailored to SMB needs.
What Are the Key Risks for NEWTZ?
Economic downturn impacting SMB loan performance and demand for financial services.
- Increased competition from larger financial institutions and fintech companies.
- Regulatory changes in the financial services sector affecting lending and compliance costs.
What Are the Growth Opportunities for NEWTZ?
- Expansion of Newtek Bank: NewtekOne's banking operations represent a significant growth opportunity. By expanding its banking services, including loan offerings and deposit accounts, NewtekOne can deepen its relationships with existing customers and attract new ones. The market for small business banking is substantial, with trillions of dollars in loans and deposits. Timeline: Ongoing, with continuous efforts to increase the bank's footprint and service offerings.
- Cross-Selling Synergies: Integrating its various service offerings (lending, payments, insurance, payroll, technology) allows NewtekOne to capitalize on cross-selling opportunities. By offering bundled solutions, the company can increase revenue per customer and improve customer retention. The market for bundled financial services is growing as SMBs seek convenience and cost savings. Timeline: Ongoing, with a focus on developing integrated product packages.
- Technology Adoption: Investing in and leveraging technology to enhance its service delivery is a key growth driver. By adopting advanced technologies such as AI and machine learning, NewtekOne can improve efficiency, reduce costs, and offer innovative solutions to its customers. The market for fintech solutions is rapidly expanding, with billions of dollars being invested in new technologies. Timeline: Ongoing, with continuous investment in technology infrastructure.
- Strategic Acquisitions: Pursuing strategic acquisitions of complementary businesses can expand NewtekOne's market reach and service offerings. By acquiring companies with specialized expertise or access to new customer segments, NewtekOne can accelerate its growth and strengthen its competitive position. The market for financial services acquisitions is active, with numerous opportunities to consolidate and expand. Timeline: Opportunistic, with ongoing evaluation of potential acquisition targets.
- Geographic Expansion: Expanding its geographic footprint can allow NewtekOne to tap into new markets and customer bases. By establishing a presence in underserved areas or regions with high SMB activity, NewtekOne can increase its revenue and market share. The market for financial services varies by region, with different levels of demand and competition. Timeline: Medium-term, with a focus on identifying and entering attractive geographic markets.
What Are NEWTZ's Competitive Advantages?
- Diversified service offerings create a one-stop-shop for SMBs.
- Established brand reputation and customer relationships.
- Proprietary technology platform for efficient service delivery.
- Expertise in serving the unique needs of SMBs.
What Does NEWTZ Do?
Founded in 1998 by Barry Sloane, NewtekOne, Inc. has evolved into a comprehensive financial holding company catering to the needs of small and medium-sized businesses (SMBs). Initially focused on providing technology solutions, NewtekOne expanded its offerings to include a wide array of financial services. The company operates through several brands, including Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. These brands collectively provide SMBs with access to essential services such as small business loans, payment processing solutions, insurance products, payroll management, and technology consulting. NewtekOne's headquarters are located in Boca Raton, Florida, and the company employs 591 individuals. NewtekOne aims to be a one-stop-shop for SMBs, offering integrated solutions designed to streamline operations and foster growth. The company's strategy involves leveraging technology to deliver efficient and cost-effective services, positioning itself as a key partner for SMBs seeking to navigate the complexities of modern business.
What Products and Services Does NEWTZ Offer?
- Provides small business loans through Newtek Lending.
- Offers payment processing solutions through Newtek Payments.
- Provides insurance products through Newtek Insurance.
- Offers payroll management services through Newtek Payroll.
- Provides technology consulting and solutions through Newtek Technology.
- Operates a bank, Newtek Bank, offering deposit accounts and other banking services.
- Offers a suite of business and financial solutions to small and medium-sized businesses (SMBs).
How Does NEWTZ Make Money?
- Generates revenue through interest income from loans.
- Earns fees from payment processing services.
- Receives commissions from insurance product sales.
- Charges fees for payroll management and technology consulting services.
What Industry Does NEWTZ Operate In?
NewtekOne operates within the asset management industry, which is part of the broader financial services sector. This industry is characterized by increasing competition and evolving regulatory landscapes. Market trends include the growing demand for integrated financial solutions among SMBs and the rise of fintech companies offering specialized services. NewtekOne differentiates itself by providing a comprehensive suite of services under one umbrella, aiming to capture a larger share of the SMB market. The industry is expected to grow as SMBs increasingly seek streamlined and technology-driven financial solutions.
Who Are NEWTZ's Key Customers?
- Small and medium-sized businesses (SMBs) across various industries.
- Entrepreneurs seeking funding and financial solutions.
- Businesses requiring payment processing services.
- Companies needing insurance coverage and payroll management.
Company Profile
Newtek Business Services Corp. 5.50% Notes Due 2026 operates in the Asset Management industry within the Financial Services sector. It is headquartered in Boca Raton, US. The company is led by CEO Barry Sloane. NEWTZ has traded publicly since 2021.
Financial Health
Newtek Business Services Corp. 5.50% Notes Due 2026's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 7.08 places it in the safe zone, indicating low near-term bankruptcy risk.
Forward Outlook
Wall Street analysts project Newtek Business Services Corp. 5.50% Notes Due 2026 revenue of about $327.7M for fiscal 2026, with EPS near $2.30.
NEWTZ Financials
Bull Case vs Bear Case
Bull Case
- Diversified service offerings catering to SMBs.
- Established brand and customer relationships.
- Proprietary technology platform.
- Experienced management team.
Bear Case
- Reliance on economic conditions affecting SMBs.
- Exposure to regulatory changes in the financial services sector.
- Potential for increased competition from fintech companies.
- Sensitivity to interest rate fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
NEWTZ Latest News
No recent news available for NEWTZ.
NEWTZ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NEWTZ.
Price Targets
Wall Street price target analysis for NEWTZ.
NEWTZ MoonshotScore
What does this score mean?
The MoonshotScore rates NEWTZ 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Barry Sloane
Chairman, President and Chief Executive Officer
Barry 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. Prior to NewtekOne, Sloane held various leadership positions in the financial services and technology industries. He has extensive experience in small business lending, payment processing, and technology solutions. Sloane is a frequent commentator on financial and business issues and has been recognized for his contributions to the SMB sector.
Track Record: Under Barry Sloane's leadership, NewtekOne has grown from a technology solutions provider to a diversified financial holding company. Key milestones include the launch of Newtek Bank, the expansion of its lending and payment processing services, and the development of its proprietary technology platform. Sloane has overseen the company's strategic acquisitions and partnerships, contributing to its growth and market position.
Common Questions About NEWTZ (Financial Services)
What does Newtek Business Services Corp. 5.50% Notes Due 2026 do?
NewtekOne, Inc. is a financial holding company that provides a comprehensive suite of business and financial solutions to small and medium-sized businesses (SMBs). Through its various brands, including Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology, the company offers services such as small business loans, payment processing, insurance, payroll management, and technology consulting.
What are the main risks for NEWTZ?
The main risks for NewtekOne, Inc. include economic downturns that could impact SMB loan performance and demand for financial services. Increased competition from larger financial institutions and fintech companies poses a threat to market share. Regulatory changes in the financial services sector could affect lending practices and compliance costs. Cybersecurity risks and data breaches are also potential concerns.
How is Newtek Business Services Corp. 5.50% Notes Due 2026 adapting to fintech disruption?
NewtekOne is actively adapting to fintech disruption by investing in and leveraging technology to enhance its service delivery. The company is adopting advanced technologies such as AI and machine learning to improve efficiency, reduce costs, and offer innovative solutions to its customers.
What regulatory challenges does Newtek Business Services Corp. 5.50% Notes Due 2026 face?
As a financial holding company with a bank subsidiary, NewtekOne faces significant regulatory challenges. These include compliance with banking regulations, capital requirements, and oversight from regulatory bodies such as the Federal Deposit Insurance Corporation (FDIC). Changes in government regulations affecting lending and financial services could also impact the company's operations and profitability. Maintaining compliance with these regulations requires ongoing investment in compliance infrastructure and expertise.
What are the key factors to evaluate for NEWTZ?
Evaluate NEWTZ on fundamentals, analyst consensus, and risk factors. NewtekOne, Inc. presents a compelling investment case based on its diversified financial services model and focus on the SMB market. Not financial advice.
How frequently does NEWTZ data refresh on this page?
NEWTZ's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven NEWTZ's recent stock price performance?
Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified service offerings catering to SMBs. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NEWTZ overvalued or undervalued right now?
Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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
Data provided for informational purposes only.
- AI analysis pending. Financial data is based on available information as of 2026-03-17.