NewtekOne, Inc. (NEWT) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 5.14 means the share price is 5.14 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $352M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 9, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerNewtekOne, Inc. (NEWT) trades at $12.17 with MoonshotScore 38/100 (Grade D). NewtekOne, Inc. is a financial holding company providing business and financial solutions. Market cap: $352M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: May 9, 2026NEWT stock analysis for 2026: Analysts have set a consensus price target of $14.00 for NewtekOne, Inc., suggesting 15.0% upside from the current price of $12.17. The AI MoonshotScore is 38/100, in the Weak band (below 45) — a research signal, not a recommendation. Key factors: analyst coverage, AI-driven quantitative scoring.
NEWT: 1/3 scored disciplines lean bearish. Dominant signal: Growth Durability strong.
How is this calculated? →Strongest side: Growth Durability (10/10, Strong). Weakest side: Financial Safety (1/10, Negative).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
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?
The company's integrated platform provides multiple revenue streams and cross-selling opportunities. With a P/E ratio of 5.14 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 $352M indicates a mid-sized financial services company.
- P/E ratio of 5.14 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.
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?
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 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.
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 32 days ago
- ● Covered by analysts
Why 38?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.54 Dividend yield (Valuation)
- +0.46 Operating margin (Business Quality)
- +0.41 Earnings yield (Valuation)
What is holding it back
- -0.78 Free cash flow yield (Business Quality)
- -0.54 Free cash flow yield (Valuation)
- -0.33 Volatility vs the market (Financial Strength)
Risk penalties applied
- -1.08 Reported profit not backed by cash flow
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
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.
NewtekOne, Inc. Financial Trajectory
NewtekOne, Inc. (NEWT) reported $95.2M in revenue for Q2 FY2026, reflecting 29.9% growth compared to the prior quarter. The company recorded net income of $14.6M, with diluted EPS of $0.47. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, NEWT averaged $0.59 in diluted EPS.
How NewtekOne, Inc. Is Valued
NewtekOne, Inc. carries a market capitalization of $352M, placing it in the small-cap category.
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 5.14, below the Financial Services sector average of ~17.50x. 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.
NEWT Financials
Bull Case vs Bear Case
Bull Case
- 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.
Bear Case
- 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.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $95M | $15M | $0.47 |
| Q1 FY2026 | $73M | $13M | $0.43 |
| Q4 FY2025 | $75M | $20M | $0.76 |
| Q3 FY2025 | $95M | $18M | $0.70 |
Q2 FY2026 · filed 10 Aug 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
NEWT Latest News
No recent news available for NEWT.
NEWT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for NEWT.
Price Targets
Consensus target: $14.00
NEWT MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. NEWT scores 38/100 (Grade D): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
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 the AI Score mean for NEWT?
NEWT holds an AI Score of 38/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. NewtekOne, Inc. is a financial holding company providing business and financial solutions.
Is NEWT a good stock?
Stock Expert AI does not rate NEWT buy, sell or hold. NewtekOne, Inc. carries a MoonshotScore of 38/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
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.
What are the key factors to evaluate for NEWT?
NewtekOne, Inc. (NEWT) holds an AI score of 38/100 (low). P/E: 5.14x vs the S&P 500's ~20-25x. Analysts target $14.00 (+15%). Not financial advice.
How frequently does NEWT data refresh on this page?
NEWT's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates 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 5.14x earnings. Analysts target $14.00 (+15%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of NEWT?
Yes, most major brokerages offer fractional shares of NewtekOne, Inc. (NEWT) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track NEWT's earnings and financial reports?
NewtekOne, Inc. (NEWT) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for NEWT earnings announcements.
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.