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Upturn AI SWOT - About
NEWT 
Newtek Business Services Corp (NEWT)
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Upturn Advisory Summary
06/27/2025: NEWT (1-star) is currently NOT-A-BUY. Pass it for now.
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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $15.1
Year Target Price $15.1
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.42% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 297.93M USD | Price to earnings Ratio 5.86 | 1Y Target Price 15.1 |
Price to earnings Ratio 5.86 | 1Y Target Price 15.1 | ||
Volume (30-day avg) - | Beta 1.28 | 52 Weeks Range 8.95 - 14.98 | Updated Date 06/29/2025 |
52 Weeks Range 8.95 - 14.98 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 6.72% | Basic EPS (TTM) 1.93 |
Earnings Date
Report Date 2025-06-13 | When Before Market | Estimate 0.404 | Actual 0.35 |
Profitability
Profit Margin 14.34% | Operating Margin (TTM) 44.33% |
Management Effectiveness
Return on Assets (TTM) 5.83% | Return on Equity (TTM) 18.18% |
Valuation
Trailing PE 5.86 | Forward PE 5.03 | Enterprise Value 696677936 | Price to Sales(TTM) 0.84 |
Enterprise Value 696677936 | Price to Sales(TTM) 0.84 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA 6.68 | Shares Outstanding 26342000 | Shares Floating 24652976 |
Shares Outstanding 26342000 | Shares Floating 24652976 | ||
Percent Insiders 7.05 | Percent Institutions 41.27 |
Analyst Ratings
Rating 3.4 | Target Price 15.1 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Newtek Business Services Corp
Company Overview
History and Background
Newtek Business Services Corp. was founded in 1998. It initially focused on providing technology and e-commerce solutions to small businesses. Over time, it expanded its services to include lending, insurance, and other financial products, transforming into a business development company (BDC). In 2022, Newtek completed its conversion from an internally managed BDC to an externally managed investment company renamed NewtekOne with Newtek Business Services Corp as the external management team.
Core Business Areas
- Newtek Business Services Corp: Provides business and financial solutions to the small and medium-sized business (SMB) market. Acts as the external management team for NewtekOne (ticker: ONE)
Leadership and Structure
Barry Sloane serves as the Chairman, President, and Chief Executive Officer of Newtek Business Services Corp. The company operates with a structured leadership team overseeing various departments, including lending, technology, and financial services.
Top Products and Market Share
Key Offerings
- Newtek Merchant Solutions: Provides payment processing services. Competitors include Square (SQ), PayPal (PYPL), and Stripe.
- Newtek Technology Solutions: Provides website development and hosting services
- Small Business Lending (SBA 7(a) Loans): Newtek is a leading provider of SBA 7(a) loans. Competitors include traditional banks like JP Morgan Chase and Bank of America and other non-bank lenders.
Market Dynamics
Industry Overview
The SMB market is vast and underserved by traditional financial institutions. The fintech space is rapidly evolving, with increasing competition and innovation.
Positioning
Newtek positions itself as a comprehensive solutions provider for SMBs, offering a range of services beyond just financing, leveraging its external management role of NewtekOne. This sets them apart from some competitors who focus on single service offerings.
Total Addressable Market (TAM)
The TAM for SMB financial and business services is estimated to be in the hundreds of billions of dollars. Newtek is positioned to capture a portion of this TAM through its comprehensive service offerings. While hard to quantify due to breadth, the SMB lending market alone is substantial.
Upturn SWOT Analysis
Strengths
- Diversified service offerings
- Expertise in SBA lending
- Strong relationships with small businesses
- Experienced management team
Weaknesses
- Dependence on economic conditions
- High leverage and risk
- Regulatory scrutiny
- Reliance on NewtekOne's performance
Opportunities
- Expanding into new markets and services
- Leveraging technology to improve efficiency
- Acquiring smaller competitors
- Growth in the SMB sector
Threats
- Increased competition from other fintech companies
- Changes in government regulations
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- LSPD
- ONB
- TOWN
Competitive Landscape
Newteku2019s advantage lies in its integrated service offerings. Its disadvantages include its reliance on the health of SMB sector and market volatility.
Growth Trajectory and Initiatives
Historical Growth: Assess Newtek's growth trends by looking at past annual revenue growth rates in SEC filings.
Future Projections: Analyst estimates can be sourced from financial data providers. Projections vary depending on the source.
Recent Initiatives: Recent initiatives will depend on the information available in Newtek's news releases and investor presentations.
Summary
Newtek faces the challenge of competing within the rapidly shifting landscape of small business support services. The change to an externally managed structure creates both opportunities and potential risks and Newtek's ability to effectively manage this transition will be critical for its future. A diversified suite of offerings presents a competitive edge, yet dependence on economic conditions introduces vulnerability. Ongoing monitoring and adaptation to the rapidly changing fintech and SMB markets is required.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Outlets
- Investor Presentations
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly.
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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