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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
10/23/2026: NEWT (1-star) is currently NOT-A-BUY. Pass it for now.
NewtekOne, Inc. is a financial holding company providing integrated banking and small business services. The company is currently executing a strategic shift toward a bank holding company model, which aims to provide a more sustainable funding source through deposits while retaining its core strength in SBA lending. Key growth opportunities reside in its ability to cross-sell banking and business services to its existing client base. However, investors must monitor risks related to interest rate sensitivity, credit quality in the small business segment, and the execution of its integrated operational model. This stock may suit investors seeking exposure to small-business financial growth, though it carries risks associated with banking regulation and economic cycles.
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's transition to a bank model offers growth potential but involves significant execution and integration risk. |
| Momentum investor | Mixed fit | Fit is conditional on positive price trends and sustained growth in bank deposits. |
| Value investor | Mixed fit | Valuation depends on the successful scaling of the bank's net interest income relative to price. |
| Dividend investor | Strong fit | The company maintains a focus on returning capital to shareholders through dividends. |
| Low-risk investor | Weak fit | The regulatory and economic sensitivities of a small bank holding company increase risk levels. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks can experience rapid price swings based on interest rate expectations and credit quality. |
| Valuation risk | Medium | Valuations are highly dependent on future earnings growth from the integrated banking model. |
| Competition risk (SBA Lending) | High | Competition from large, well-capitalized banks can compress lending margins. |
| Business quality | Medium | The business quality depends on successful integration of banking and technology segments. |
| Dividend income | Medium / high | Dividend sustainability is tied to regulatory capital requirements and operational profitability. |
| Execution risk | High | The company must successfully scale its new banking operations while maintaining service quality. |
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 10/23/2026 |
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 330.15M USD | Price to earnings Ratio 4.97 | 1Y Target Price 15.4 |
Price to earnings Ratio 4.97 | 1Y Target Price 15.4 | ||
Volume (30-day avg) 240.1K shares | Beta 1.38 | 52 Weeks Range 9.01 - 15.43 | Updated Date 10/24/2026 |
52 Weeks Range 9.01 - 15.43 | Updated Date 10/24/2026 | ||
Dividends yield (FY) 6.54% | Basic EPS (TTM) 2.3 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking and Lending | Interest income from SBA and commercial loans, plus deposit-related fees. | The bank earns money by lending funds and collecting deposits. |
| Business Services | Payroll, merchant processing, and insurance commission revenue. | Steady fee income earned from providing essential business management software. |
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 0.4 | Actual - |
Profitability
Profit Margin 16.1% | Operating Margin (TTM) 52.05% |
Management Effectiveness
Return on Assets (TTM) 5.19% | Return on Equity (TTM) 18.04% |
Valuation
Trailing PE 4.97 | Forward PE 5.19 | Enterprise Value 696.68M | Price to Sales(TTM) 0.81 |
Enterprise Value 696.68M | Price to Sales(TTM) 0.81 | ||
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 57.37 |
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.
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