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Upturn AI Summary - About
NewtekOne, Inc.(NEWT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NEWT
09/25/2026: NEWT (1-star) is currently NOT-A-BUY. Pass it for now.
NewtekOne, Inc. is a bank holding company that differentiates itself by bundling financial products, such as SBA loans, with essential business and technology services for small and medium-sized enterprises. The company's recent transition to a bank holding model represents a strategic shift designed to lower funding costs and improve profitability through a stable deposit base. While this integrated approach creates a potential competitive advantage in service breadth, NewtekOne remains sensitive to interest rate volatility and the inherent risks of small-business lending. Investors should closely monitor the company's progress in deposit gathering and the execution of its integrated service model. This stock may suit value-oriented investors willing to navigate the complexities of a financial firm in transition.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through its banking transition but is subject to cyclical economic factors. |
| Momentum investor | Weak fit | The stock often lacks the strong, sustained price trends preferred by momentum strategies. |
| Value investor | Strong fit | The bank transition may lead to a more traditional bank-like valuation over time. |
| Dividend investor | Mixed fit | The dividend has been recalibrated, making it less attractive for income-focused investors compared to the past. |
| Low-risk investor | Weak fit | Exposure to SBA lending and the complexities of a recent banking transition create elevated risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is susceptible to shifts in interest rate expectations and financial sector sentiment. |
| Valuation risk | Medium | The valuation depends heavily on the market's assessment of the successful execution of the bank holding model. |
| Competition risk | High | Competition from specialized SBA lenders and large banks could compress margins. |
| Business quality | Medium | The business model is complex, requiring successful execution across both financial and technology services. |
| Dividend income | Medium | Future dividend payments are dependent on earnings stability within the banking framework. |
| Execution risk | Medium / high | Integrating a bank into a service-heavy business model presents ongoing operational challenges. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -1.03% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 325.24M USD | Price to earnings Ratio 5.09 | 1Y Target Price 15.8 |
Price to earnings Ratio 5.09 | 1Y Target Price 15.8 | ||
Volume (30-day avg) 256.2K shares | Beta 1.35 | 52 Weeks Range 9.01 - 15.43 | Updated Date 09/26/2026 |
52 Weeks Range 9.01 - 15.43 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 6.73% | Basic EPS (TTM) 2.21 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Lending | Interest and fee income from SBA 7(a) and 504 loans. | The bank earns money by originating loans and managing the interest rate spread. |
| Technology Services | Cloud and managed IT service fees. | The company provides recurring technology services that generate steady service fees. |
Valuation
Trailing PE 5.09 | Forward PE 5.19 | Enterprise Value 696.68M | Price to Sales(TTM) 0.8 |
Enterprise Value 696.68M | Price to Sales(TTM) 0.8 | ||
Enterprise Value to Revenue 3.41 | Enterprise Value to EBITDA 6.68 | Shares Outstanding 28.88M | Shares Floating 25.04M |
Shares Outstanding 28.88M | Shares Floating 25.04M | ||
Percent Insiders 5.93 | Percent Institutions 57.31 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About NewtekOne, Inc.
Exchange NASDAQ | Headquarters 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 572 | Website https://www.newtekone.com |
Full time employees 572 | 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 various restaurants, 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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