NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG)
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. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG) trades at $25.66 with AI Score 50/100 (Grade B). NewtekOne, Inc. Market cap: $421.43M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for NEWTG: NEWTG 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 NEWTG against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
NEWTG: the 1 perspectives are evenly split.
How is this calculated? →NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG) Financial Services Profile
NewtekOne, Inc. provides diverse financial and business solutions to small and medium-sized businesses, operating through brands like Newtek Bank and Newtek Lending. With a focus on technology and customer service, NewtekOne serves a critical segment of the economy, navigating a competitive landscape with established players and emerging fintech solutions.
What Is the Investment Thesis for NEWTG?
NewtekOne, Inc. presents a compelling investment case based on its focus on the underserved SMB market and its diverse revenue streams. With a P/E ratio of 6.6 and a profit margin of 23.2%, the company demonstrates financial stability and profitability. The dividend yield of 3.19% offers an attractive income component. Growth catalysts include the expansion of Newtek Bank and the increasing adoption of its technology solutions. However, potential risks include competition from larger financial institutions and the impact of economic cycles on SMB lending. Investors should monitor the company's ability to maintain its gross margin of 75.2% and manage its beta of 1.32 in a volatile market.
Based on FMP financials and quantitative analysis
NEWTG Key Highlights
- Market Cap of $421.43M indicates a substantial valuation within the financial services sector.
- P/E Ratio of 6.6 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 23.2% reflects efficient operations and strong profitability.
- Gross Margin of 75.2% demonstrates the company's ability to generate significant revenue from its services.
- Dividend Yield of 3.19% provides an attractive income stream for investors.
Who Are NEWTG's Competitors?
NEWTG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AACI Armada Acquisition Corp. II | $10.00 | +0.00% | $255.22M | 51 |
| ANTA Antalpha Platform Holding Company | $5.35 | -0.74% | $128.36M | 59 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 87 |
| NEWT NewtekOne, Inc. | $14.35 | -1.50% | $414.65M | 38 |
| NEWTI NewtekOne, Inc. | $25.39 | +0.43% | $422.77M | 56 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
| AHG Akso Health Group | $1.51 | -0.66% | $143.04M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NEWTG's Key Strengths?
- Diversified revenue streams across multiple business lines.
- Focus on the underserved SMB market.
- Integrated suite of financial and business solutions.
- Experienced management team with a track record of growth.
What Are NEWTG's Weaknesses?
- Reliance on economic conditions affecting SMBs.
- Competition from larger financial institutions and fintech companies.
- Exposure to regulatory changes in the financial services industry.
- Relatively high beta of 1.32 indicates higher volatility.
What Could Drive NEWTG Stock Higher?
- Expansion of Newtek Bank and its banking services, driving deposit growth and net interest income.
- Increased adoption of NewtekOne's technology solutions, boosting revenue from payment processing and technology consulting.
- Strategic partnerships and alliances expanding market reach and service offerings.
What Are the Key Risks for NEWTG?
- Financial-distress signal — its Altman Z-Score of 0.70 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting SMB loan performance and increasing credit losses.
- Rising interest rates increasing borrowing costs and reducing demand for loans.
- Increased competition from larger financial institutions and fintech companies.
- Regulatory changes in the financial services industry impacting operations and profitability.
What Are the Growth Opportunities for NEWTG?
- Expansion of Newtek Bank: NewtekOne's banking operations represent a significant growth opportunity. By expanding its banking services and increasing its deposit base, NewtekOne can enhance its profitability and reduce its reliance on external funding sources. The market for small business banking is estimated to be worth billions of dollars, and NewtekOne is well-positioned to capture a larger share of this market. Timeline: Ongoing.
- Increased Adoption of Technology Solutions: NewtekOne's technology solutions, including payment processing and technology consulting, offer substantial growth potential. As SMBs increasingly adopt digital technologies, the demand for these services is expected to rise. By investing in innovation and expanding its technology offerings, NewtekOne can capitalize on this trend. The market for SMB technology solutions is projected to grow at a rate of 10% per year. Timeline: Ongoing.
- Strategic Acquisitions: NewtekOne can pursue strategic acquisitions to expand its service offerings and geographic reach. By acquiring complementary businesses, NewtekOne can enhance its competitive position and accelerate its growth. Potential acquisition targets include fintech companies, insurance agencies, and payroll service providers. Timeline: Ongoing.
- Cross-Selling Opportunities: NewtekOne has significant cross-selling opportunities across its various brands. By offering bundled services and leveraging its customer relationships, NewtekOne can increase its revenue per customer and improve customer retention. For example, NewtekOne can offer bundled loan, payment processing, and insurance solutions to its SMB customers. Timeline: Ongoing.
- Partnerships and Alliances: NewtekOne can form partnerships and alliances with other companies to expand its reach and offer new services. By partnering with complementary businesses, NewtekOne can access new markets and customers. Potential partners include technology companies, industry associations, and government agencies. Timeline: Ongoing.
What Opportunities Does NEWTG Have?
- Expansion of Newtek Bank and its banking services.
- Increased adoption of technology solutions by SMBs.
- Strategic acquisitions to expand service offerings and geographic reach.
- Cross-selling opportunities across various brands.
What Threats Does NEWTG Face?
- Economic downturns impacting SMB loan performance.
- Rising interest rates increasing borrowing costs.
- Increased competition from new entrants and established players.
- Cybersecurity risks and data breaches.
What Are NEWTG's Competitive Advantages?
- Integrated suite of services provides a one-stop shop for SMBs.
- Focus on technology-driven solutions enhances efficiency and customer experience.
- Strong brand recognition and reputation in the SMB market.
- Established relationships with referral partners and industry associations.
What Does NEWTG Do?
Founded in 1998 by Barry Sloane, NewtekOne, Inc. has evolved into a financial holding company dedicated to serving the needs of small and medium-sized businesses (SMBs). Initially focused on technology solutions, the company expanded its offerings to include a comprehensive suite of financial products and services. NewtekOne operates through several brands, including Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. These brands provide a range of services, including small business loans, payment processing, insurance solutions, payroll services, and technology consulting. NewtekOne's headquarters are located in Boca Raton, FL, and the company employs 591 individuals. The company's evolution reflects a commitment to providing integrated solutions that address the diverse needs of SMBs, positioning it as a key player in the financial services sector.
What Products and Services Does NEWTG Offer?
- Provides small business loans through Newtek Lending.
- Offers payment processing solutions through Newtek Payments.
- Provides insurance services through Newtek Insurance.
- Offers payroll services through Newtek Payroll.
- Provides technology consulting services through Newtek Technology.
- Operates a bank, Newtek Bank, offering deposit accounts and other banking services.
How Does NEWTG Make Money?
- Generates revenue from interest income on loans.
- Earns fees from payment processing services.
- Receives commissions from insurance sales.
- Charges fees for payroll and technology consulting services.
What Industry Does NEWTG Operate In?
NewtekOne, Inc. operates in the financial services industry, specifically within the credit services segment. This sector is characterized by intense competition, evolving regulatory landscapes, and increasing technological disruption. The market for SMB financial services is substantial, driven by the critical role these businesses play in the economy. NewtekOne differentiates itself through its integrated suite of services and its focus on technology-driven solutions. Competitors include traditional banks, fintech companies, and other financial service providers, each vying for a share of the SMB market.
Who Are NEWTG's Key Customers?
- Small and medium-sized businesses (SMBs) across various industries.
- Entrepreneurs seeking funding and business solutions.
- Businesses requiring payment processing services.
- Companies needing insurance coverage and payroll management.
Net buyingInsider Activity
Over the past six months, NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 insiders filed 23 SEC Form 4 transactions — 0 sales and 23 purchases. On net that is roughly 48K shares acquired (about $667K) — insiders putting money in tends to read as conviction.
NEWTG Valuation & Market Position
With a $421.43M market cap, NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 sits in the small-cap segment of the market. Relative to its peer group, NEWTG's quantitative score of 50/100 is roughly in line with the peer average of 58/100.
ROE 17%Key Financial Metrics
Return on equity for NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 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. NEWTG trades at a trailing price-to-earnings ratio of 6.63, below the Financial Services sector average of ~18x. Its earnings yield is 14.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029'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 0.70 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 revenue of about $323.9M for fiscal 2026, with EPS near $2.36.
Company Profile
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Boca Raton, US. The company is led by CEO Barry Sloane. NEWTG has traded publicly since 2024.
NEWTG Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that key stakeholders believe in its potential growth.
- Community sentiment has shifted positively, with discussions highlighting the company's strategic initiatives and potential market expansion.
- Analysts have noted the company's strong fundamentals, particularly its ability to generate consistent revenue streams, which bolsters investor confidence.
- Market perception is improving as NewtekOne is seen as a stable investment in uncertain times, appealing to risk-averse investors.
Bear Case
- There are concerns about the overall economic environment, which may impact the company's ability to meet its obligations and sustain growth.
- Social sentiment includes skepticism regarding the company's long-term viability, with some community members questioning its competitive positioning.
- Recent discussions have raised red flags about potential regulatory challenges that could hinder operational efficiency and profitability.
- Insider selling activity has also been noted, which may indicate a lack of confidence among some stakeholders about the company's near-term prospects.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NEWTG Latest News
No recent news available for NEWTG.
NEWTG Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NEWTG.
Price Targets
Wall Street price target analysis for NEWTG.
NEWTG MoonshotScore
What does this score mean?
The MoonshotScore rates NEWTG's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Barry Sloane
CEO
Barry Sloane is the founder and CEO of NewtekOne, Inc. He has extensive experience in the financial services industry, with a focus on serving the needs of small and medium-sized businesses. Prior to founding NewtekOne, Sloane held various leadership positions in the technology and financial sectors. He is a frequent speaker and commentator on issues affecting SMBs.
Track Record: Under Barry Sloane's leadership, NewtekOne has grown from a technology solutions provider to a diversified financial holding company. He has overseen the expansion of the company's service offerings and the development of its technology platform. Key milestones include the launch of Newtek Bank and the acquisition of several complementary businesses.
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 Financial Services Stock: Key Questions Answered
What does NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 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. NewtekOne aims to be a one-stop shop for SMBs, providing integrated solutions that address their diverse needs and supporting their growth and success.
What are the main risks for NEWTG?
NewtekOne, Inc. faces several risks inherent in the financial services industry. Economic downturns could negatively impact SMB loan performance, leading to increased credit losses. Rising interest rates could increase borrowing costs and reduce demand for loans. Increased competition from larger financial institutions and fintech companies could erode market share. Regulatory changes in the financial services industry could increase compliance costs and limit operational flexibility. Cybersecurity risks and data breaches also pose a threat to the company's operations and reputation. Investors should carefully consider these risks before investing in NewtekOne, Inc.
What are the key factors to evaluate for NEWTG?
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG) holds an AI score of 50/100 (moderate). P/E: 6.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NEWTG data refresh on this page?
NEWTG 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 NEWTG's recent stock price performance?
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams across multiple business lines. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NEWTG overvalued or undervalued right now?
NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG) trades at 6.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NEWTG?
Before investing in NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG), 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).
Why might investors consider adding NEWTG to a portfolio?
Key strength of NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG): Diversified revenue streams across multiple business lines. Weigh rewards against risks and diversify. Not financial advice.
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 is based on limited information available.
- Financial data is based on publicly available sources.