NewtekOne, Inc. (NEWTH)
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. (NEWTH) trades at $25.42 with AI Score 37/100 (Grade D). NewtekOne, Inc. operates as the bank holding company for Newtek Bank, providing financial and business solutions to small- and medium-sized businesses. Market cap: $421.27M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for NEWTH: NEWTH 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 NEWTH against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NEWTH: 1/1 perspectives are bearish.
How is this calculated? →NewtekOne, Inc. (NEWTH) Financial Services Profile
NewtekOne, Inc., through Newtek Bank, delivers diverse financial and business solutions to the SMB market, including banking, payment processing, insurance, and technology services. With a focus on SBA loans and electronic payment solutions, NewtekOne distinguishes itself through integrated service offerings and a high dividend yield of 8.51% in the financial services sector.
What Is the Investment Thesis for NEWTH?
NewtekOne presents a compelling investment case centered on its diverse service offerings and focus on the SMB market. With a P/E ratio of 12.6 and a profit margin of 19.4%, the company demonstrates solid profitability. The high dividend yield of 8.51% offers an attractive income stream for investors. Growth catalysts include the expansion of its banking operations and the increasing demand for its technology solutions among SMBs. However, potential risks include interest rate sensitivity and competition within the financial services sector. The company's ability to cross-sell its various services and capitalize on the growing SMB market are key value drivers.
Based on FMP financials and quantitative analysis
NEWTH Key Highlights
- Market capitalization of $421.27M, reflecting investor valuation of the company's assets and growth potential.
- P/E ratio of 12.6, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 19.4%, showcasing efficient operations and profitability within the financial services sector.
- Gross margin of 72.1%, highlighting the company's ability to maintain high profitability on its services.
- Dividend yield of 8.51%, providing a substantial income stream for investors.
Who Are NEWTH's Competitors?
NEWTH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BULL Webull Corporation | $7.21 | +0.56% | $3.83B | — |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| 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 |
| BBDC Barings BDC, Inc. | $8.57 | +0.00% | $897.35M | 52 |
| SWRD Stewards Inc. | $2.50 | +0.00% | $522.76M | 52 |
| SLM SLM Corporation | $25.58 | -0.06% | $4.82B | 52 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NEWTH's Key Strengths?
- Diverse service offerings.
- Expertise in SBA lending.
- Established brand in the SMB market.
- High dividend yield.
What Are NEWTH's Weaknesses?
- Reliance on the SMB market, which can be cyclical.
- Sensitivity to interest rate changes.
- Competition from larger financial institutions.
- Potential credit risks associated with lending to SMBs.
What Could Drive NEWTH Stock Higher?
- Expansion of Newtek Bank's branch network to increase deposit base and lending capacity.
- Continued growth in demand for electronic payment processing services among SMBs.
- Potential acquisitions of complementary businesses to expand service offerings.
- Strategic partnerships to enhance technology solutions and reach new customers.
What Are the Key Risks for NEWTH?
- Economic downturns that could negatively impact SMBs and increase loan defaults.
- Increased competition from fintech companies offering alternative financing solutions.
- Changes in government regulations related to banking and lending.
- Cybersecurity risks that could compromise sensitive customer data.
- Interest rate fluctuations impacting net interest margin.
What Are the Growth Opportunities for NEWTH?
- Expansion of Banking Operations: NewtekOne can grow by expanding its banking operations, particularly through increased SBA lending. The SBA loan market is substantial, with billions of dollars in loans guaranteed annually. By leveraging its expertise in SBA lending and expanding its geographic reach, NewtekOne can increase its loan portfolio and generate higher interest income. Timeline: Ongoing.
- Increased Adoption of Payment Processing Services: The demand for electronic payment processing services is growing rapidly, driven by the increasing use of credit and debit cards. NewtekOne can capitalize on this trend by expanding its payment processing services to new markets and customer segments. This includes offering mobile payment solutions and integrating its payment processing services with its other offerings. Timeline: Ongoing.
- Cross-Selling of Services: NewtekOne has the opportunity to cross-sell its various services to its existing customer base. By offering bundled solutions that include banking, payment processing, insurance, and technology services, NewtekOne can increase customer loyalty and generate higher revenue per customer. This requires effective marketing and sales strategies to promote the benefits of its integrated offerings. Timeline: Ongoing.
- Strategic Acquisitions: NewtekOne can pursue strategic acquisitions to expand its service offerings and geographic reach. Acquiring companies in related industries, such as insurance or technology, can enhance its capabilities and provide access to new markets. This requires careful due diligence and integration planning to ensure successful acquisitions. Timeline: Ongoing.
- Technology Solutions for SMBs: The demand for technology solutions among SMBs is growing, driven by the need to improve efficiency and competitiveness. NewtekOne can capitalize on this trend by offering a range of technology solutions, including website hosting, cloud services, and data storage. By providing customized solutions tailored to the specific needs of SMBs, NewtekOne can differentiate itself from competitors. Timeline: Ongoing.
What Opportunities Does NEWTH Have?
- Expansion of banking operations.
- Increased adoption of payment processing services.
- Cross-selling of services.
- Strategic acquisitions.
What Threats Does NEWTH Face?
- Economic downturns that impact SMBs.
- Increased competition from fintech companies.
- Changes in government regulations.
- Cybersecurity risks.
What Are NEWTH's Competitive Advantages?
- Integrated service offerings: Provides a comprehensive suite of financial and business solutions, creating a one-stop-shop for SMBs.
- Expertise in SBA lending: Strong track record and expertise in originating and servicing SBA loans.
- Technology solutions: Offers a range of technology solutions tailored to the needs of SMBs.
- Established brand: Well-recognized brand in the SMB market.
What Does NEWTH Do?
Founded in 1998 and headquartered in Boca Raton, Florida, NewtekOne, Inc. has evolved into a comprehensive provider of financial and business solutions tailored for the small- and medium-sized business (SMB) market. Originally known as Newtek Business Services Corp., the company rebranded to NewtekOne, Inc. in January 2023, reflecting its expanded role as the bank holding company for Newtek Bank, National Association. NewtekOne's core offerings encompass a wide array of services, including traditional banking services such as demand, savings, and money market accounts, alongside specialized lending products like SBA loans, commercial and industrial loans, and commercial real estate loans. Beyond banking, NewtekOne provides electronic payment processing services, including credit and debit card processing, check approval, and point-of-sale systems. The company also offers wholesale brokerage insurance agency services and payroll management solutions. Furthermore, NewtekOne delivers technology solutions such as website hosting, cloud services, and data storage. This integrated approach positions NewtekOne as a one-stop-shop for SMBs seeking financial and operational support.
What Products and Services Does NEWTH Offer?
- Provides banking services through Newtek Bank, National Association.
- Offers SBA loans, commercial and industrial loans, and commercial real estate loans.
- Provides electronic payment processing services, including credit and debit card processing.
- Offers wholesale brokerage insurance agency services.
- Provides payroll management and related payment and tax reporting services.
- Offers website hosting, dedicated server hosting, and cloud hosting.
- Provides web design and development, internet marketing, and e-commerce solutions.
- Offers data storage, backup, and disaster recovery services.
How Does NEWTH Make Money?
- Generates revenue through interest income from loans.
- Earns fees from payment processing services.
- Receives commissions from insurance sales.
- Generates revenue from payroll management services.
- Earns fees from technology solutions, such as website hosting and cloud services.
What Industry Does NEWTH Operate In?
NewtekOne operates within the competitive financial services industry, catering specifically to the SMB market. The industry is characterized by increasing demand for integrated financial and technology solutions. Companies like NewtekOne that offer a comprehensive suite of services, including banking, payment processing, and technology solutions, are well-positioned to capture market share. The SMB lending market is expected to grow, driven by the increasing number of small businesses and their need for capital. Competition includes traditional banks, fintech companies, and other financial service providers.
Who Are NEWTH's Key Customers?
- Small- and medium-sized businesses (SMBs).
- Independent business owners.
- Restaurants, retail stores, and assisted living facilities.
- Taxi cabs, parks, and golf courses.
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. NEWTH has traded publicly since 2024.
How NewtekOne, Inc. Is Valued
NewtekOne, Inc. carries a market capitalization of $421.27M, placing it in the small-cap category. Relative to its peer group, NEWTH's quantitative score of 37/100 is below the peer average of 68/100.
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. NEWTH trades at a trailing price-to-earnings ratio of 12.64, 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 5/9Financial Health
NewtekOne, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile.
FY2026 estForward Outlook
Wall Street analysts project NewtekOne, Inc. revenue of about $332.1M for fiscal 2026, with EPS near $2.32.
NEWTH Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- NewtekOne's recent insider buying suggests confidence in the company's future prospects, aligning interests with shareholders. The community sentiment indicates growing optimism regarding NewtekOne's strategic shift towards a more streamlined business model. Market perception seems to be improving as NewtekOne focuses on its core lending services, potentially attracting more investors. Bullish community members believe NewtekOne's focus on small and medium-sized businesses positions it well for long-term growth, reminiscent of how niche lenders thrived post-2008.
Bear Case
- Recent community discussions highlight concerns about the potential impact of regulatory changes on NewtekOne's lending practices. Some bearish community members express skepticism about NewtekOne's ability to effectively manage its loan portfolio in a potentially slowing economy. Market perception reflects some uncertainty regarding the long-term sustainability of NewtekOne's dividend payouts. Insider selling, although not as prevalent as buying, raises questions among some investors about short-term performance expectations, similar to concerns seen with regional banks in early 2023.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NEWTH Latest News
No recent news available for NEWTH.
NEWTH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NEWTH.
Price Targets
Wall Street price target analysis for NEWTH.
NEWTH MoonshotScore
What does this score mean?
The MoonshotScore rates NEWTH's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Barry Scott Sloane
CEO
Barry Scott Sloane serves as the CEO of NewtekOne, Inc., bringing extensive experience in financial services and small business solutions. His career includes leadership roles in various financial institutions, focusing on lending and business development. Sloane's expertise lies in identifying and capitalizing on opportunities within the SMB market. He is actively involved in industry associations and is a frequent speaker on topics related to small business finance and entrepreneurship. His deep understanding of the challenges and opportunities faced by SMBs informs NewtekOne's strategic direction.
Track Record: Under Barry Scott Sloane's leadership, NewtekOne has transformed into a diversified financial and business solutions provider. Key achievements include the successful transition to a bank holding company, the expansion of its SBA lending program, and the growth of its technology solutions offerings. Sloane has also overseen the company's rebranding and strategic acquisitions, positioning NewtekOne for continued growth in the SMB market.
NEWTH Financial Services Stock FAQ
What does NewtekOne, Inc. do?
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, providing a comprehensive suite of financial and business solutions to small- and medium-sized businesses (SMBs). These services include banking, SBA lending, payment processing, insurance, and technology solutions. The company aims to be a one-stop-shop for SMBs, offering integrated solutions that address their diverse needs. By providing these services, NewtekOne supports the growth and success of its SMB clients.
What do analysts say about NEWTH stock?
Analyst coverage of NewtekOne, Inc. (NEWTH) generally focuses on its growth potential within the SMB market and its high dividend yield. Key valuation metrics include its P/E ratio and profit margin, which are compared to industry peers. Analysts also consider the company's ability to cross-sell its various services and capitalize on the increasing demand for integrated financial and technology solutions among SMBs. Investors should conduct their own due diligence and consider their individual risk tolerance before making any investment decisions.
What are the main risks for NEWTH?
The main risks for NewtekOne, Inc. include economic downturns that could negatively impact SMBs and increase loan defaults. Increased competition from fintech companies offering alternative financing solutions also poses a threat. Changes in government regulations related to banking and lending could impact the company's operations. Cybersecurity risks that could compromise sensitive customer data are also a concern. Additionally, interest rate fluctuations could impact the company's net interest margin.
How does NewtekOne, Inc. make money in financial services?
NewtekOne, Inc. generates revenue through several key segments within its financial services operations. A primary source is interest income derived from its loan portfolio, including SBA loans, commercial and industrial loans, and commercial real estate loans. The company also earns fees from its payment processing services, which encompass credit and debit card processing. Additionally, NewtekOne receives commissions from its wholesale brokerage insurance agency services. These diversified revenue streams contribute to the company's overall financial performance.
How sensitive is NEWTH to interest rate changes?
NewtekOne, Inc.'s profitability is sensitive to changes in interest rates, primarily through its net interest margin (NIM). As a bank holding company, NewtekOne's NIM is the difference between the interest income it earns on loans and the interest it pays on deposits. When interest rates rise, the company's interest income may increase, but its interest expenses may also increase, potentially compressing the NIM. Conversely, when interest rates fall, the NIM may expand. Monitoring interest rate movements and their potential impact on NewtekOne's NIM is crucial for assessing its financial performance.
What are the key factors to evaluate for NEWTH?
NewtekOne, Inc. (NEWTH) holds an AI score of 37/100 (low). P/E: 12.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NEWTH data refresh on this page?
NEWTH 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 NEWTH's recent stock price performance?
NewtekOne, Inc. (NEWTH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diverse service offerings. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- The information provided is based on available data and should not be considered investment advice.
- Market conditions and company performance are subject to change.