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Upturn AI SWOT - About
NEWT 
Newtek Business Services Corp (NEWT)
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Upturn Advisory Summary
08/14/2025: NEWT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.07
1 Year Target Price $14.07
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.18% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 316.65M USD | Price to earnings Ratio 5.96 | 1Y Target Price 14.07 |
Price to earnings Ratio 5.96 | 1Y Target Price 14.07 | ||
Volume (30-day avg) 5 | Beta 1.29 | 52 Weeks Range 8.81 - 14.74 | Updated Date 08/15/2025 |
52 Weeks Range 8.81 - 14.74 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 6.29% | Basic EPS (TTM) 2.02 |
Earnings Date
Report Date 2025-07-28 | When - | Estimate 0.52 | Actual 0.52 |
Profitability
Profit Margin 14.65% | Operating Margin (TTM) 48.12% |
Management Effectiveness
Return on Assets (TTM) 5.9% | Return on Equity (TTM) 18.2% |
Valuation
Trailing PE 5.96 | Forward PE 5.37 | Enterprise Value 696677936 | Price to Sales(TTM) 0.87 |
Enterprise Value 696677936 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA 6.68 | Shares Outstanding 26321900 | Shares Floating 24662259 |
Shares Outstanding 26321900 | Shares Floating 24662259 | ||
Percent Insiders 7.13 | Percent Institutions 46.82 |
Upturn AI SWOT
Newtek Business Services Corp
Company Overview
History and Background
Newtek Business Services Corp., now NewtekOne, Inc., was founded in 1998. It began as a provider of business services and technology solutions to small and medium-sized businesses (SMBs). It has evolved over time from an outsourced service provider to a business development company (BDC) and now a financial holding company.
Core Business Areas
- Newtek Bank, N.A.: Federally chartered bank offering a range of business and personal banking products and services.
- Technology Solutions: Provides a variety of technology solutions, including cloud computing, data backup, security solutions, and managed IT services.
- Payment Processing: Offers payment processing solutions, including credit card processing and merchant services.
- Insurance Solutions: Provides commercial and personal insurance products.
Leadership and Structure
Barry Sloane is the Chairman, President and CEO. The organizational structure includes various departments like Finance, Operations, Technology, and Sales, each headed by senior executives.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans (now through Newtek Bank, N.A.): Historically, Newtek was a significant SBA 7(a) lender. Now, the activity is done through the bank. Competitors include other SBA lenders such as Live Oak Bank (LOB) and Celtic Bank.
- Payment Processing Services: Provides merchant processing services, enabling businesses to accept credit and debit card payments. Competitors include Square (SQ), PayPal (PYPL), and Fiserv (FISV).
- Technology Solutions: Offers a suite of technology services tailored for small businesses, encompassing cloud solutions, data backup, and managed IT services. Competitors include major cloud providers like Amazon Web Services (AWS) and Microsoft Azure, as well as specialized IT firms targeting SMBs.
Market Dynamics
Industry Overview
The market for SMB services is highly competitive and fragmented, with demand driven by the needs of small businesses for technology, financing, and insurance solutions. The banking landscape is also undergoing rapid changes, including the rise of Fintech and digital-only banks.
Positioning
NewtekOne aims to be a one-stop shop for SMBs. The transformation to a financial holding company should allow for more efficient capital allocation and increased profitability. However, the company also faces risks associated with the highly regulated banking industry.
Total Addressable Market (TAM)
The TAM for SMB banking and business services is estimated to be in the trillions of dollars globally. NewtekOne is positioned to capture a small, but significant, share of this market through its integrated service offerings.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Established brand recognition among SMBs
- Proprietary technology platform
- Experienced management team
- Direct access to capital through the bank
Weaknesses
- High operating expenses
- Dependence on SBA loan program
- Exposure to credit risk
- Complexity of business model
- Regulatory burden associated with being a bank holding company
Opportunities
- Expanding into new geographic markets
- Acquiring complementary businesses
- Developing new products and services
- Leveraging technology to improve efficiency
- Increasing cross-selling opportunities
Threats
- Increased competition
- Economic downturn
- Changes in government regulations
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- Live Oak Bancshares (LOB)
- Square (SQ)
- PayPal (PYPL)
Competitive Landscape
NewtekOne benefits from its integrated service offerings, but faces strong competition from larger, more established players in each of its business segments.
Growth Trajectory and Initiatives
Historical Growth: Historically, Newtek has grown through acquisitions and organic expansion. The conversion to a bank holding company represents a new phase of growth.
Future Projections: Future growth projections depend on several factors, including the performance of Newtek Bank, the overall economy, and the company's ability to execute its strategy.
Recent Initiatives: The most significant recent initiative is the formation of Newtek Bank, N.A.
Summary
NewtekOne, formerly Newtek Business Services Corp, is undergoing a significant transition to a financial holding company. The change to a bank may increase the company's profitability but also bring additional risk. Investors should monitor the bank's performance and the company's ability to manage regulatory requirements and credit risk. Ultimately, Newtek is positioning itself to be a one-stop shop for the banking and business needs of small to medium sized businesses.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Market Research Reports
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share estimates are approximate and may vary based on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Newtek Business Services Corp
Exchange NASDAQ | Headquaters Boca Raton, FL, United States | ||
IPO Launch date 2000-09-27 | President, Chairman & CEO Mr. Barry Scott Sloane | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 591 | Website https://www.newtekone.com |
Full time employees 591 | Website https://www.newtekone.com | ||
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that provides various business and financial solutions under the Newtek and NewtekOne brands to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including the United States small business administration loans, commercial and industrial loans, and commercial real estate loans. It is also involved in the provision of electronic payment processing services comprising credit and debit card processing services, check approval services, processing equipment, and software, as well as cloud-based point of sale systems for a various restaurant, retail, assisted living, taxi cabs, parks, and golf course businesses. In addition, it offers wholesale brokerage insurance agency services; and payroll management, and related payment and tax reporting services to independent business owners, as well as inbound and outbound calling services. The company was formerly known as Newtek Business Services Corp. and changed its name to NewtekOne, Inc. in January 2023. NewtekOne, Inc. was founded in 1998 and is headquartered in Boca Raton, Florida.
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