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NEWT 
Newtek Business Services Corp (NEWT)
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Upturn Advisory Summary
10/31/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $15.1
1 Year Target Price $15.1
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.29% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 300.31M USD | Price to earnings Ratio 5.15 | 1Y Target Price 15.1 |
Price to earnings Ratio 5.15 | 1Y Target Price 15.1 | ||
Volume (30-day avg) 5 | Beta 1.33 | 52 Weeks Range 8.65 - 14.48 | Updated Date 11/2/2025 |
52 Weeks Range 8.65 - 14.48 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 7.44% | Basic EPS (TTM) 2.02 |
Earnings Date
Report Date 2025-11-05 | When - | Estimate 0.6371 | Actual 0.67 |
Profitability
Profit Margin 15.59% | Operating Margin (TTM) 56.85% |
Management Effectiveness
Return on Assets (TTM) 5.89% | Return on Equity (TTM) 17.74% |
Valuation
Trailing PE 5.15 | Forward PE 5.34 | Enterprise Value 696677936 | Price to Sales(TTM) 0.79 |
Enterprise Value 696677936 | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 3.9 | Enterprise Value to EBITDA 6.68 | Shares Outstanding 28876000 | Shares Floating 25003151 |
Shares Outstanding 28876000 | Shares Floating 25003151 | ||
Percent Insiders 15.9 | Percent Institutions 46.57 |
Upturn AI SWOT
Newtek Business Services Corp
Company Overview
History and Background
Newtek Business Services Corp was founded in 1998. Initially focused on technology solutions for small businesses, it evolved into a business development company (BDC) providing financial and business services. In 2022, it transitioned from a BDC into a financial holding company.
Core Business Areas
- Newtek Bank: Focuses on small business lending, deposit accounts, and payment processing. The primary purpose is the delivery of financial products and services to small-and-medium sized businesses (SMBs).
- Newtek Insurance Agency: Offers commercial and personal insurance products to SMBs, providing protection against various risks.
- Newtek Merchant Solutions: Delivers payment processing solutions for SMBs.
- Newtek Technology Solutions: Offers web hosting, data storage, and other technology solutions for businesses.
Leadership and Structure
Barry Sloane serves as Chairman, President, and CEO. The company operates with a board of directors and a management team overseeing different business segments. The company is structured as a financial holding company overseeing the divisions above.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Government-guaranteed loans to small businesses. Newtek is one of the largest non-bank SBA 7(a) lenders in the US. Market share data varies annually based on total SBA lending volume. Competitors include Live Oak Bank (LOB), Huntington National Bank (HBAN), and Celtic Bank.
- Payment Processing: Payment processing solutions for SMBs, including credit card processing and online payments. Revenue data depends on total transaction volume. Competitors include Block (SQ), Fiserv (FI), and Global Payments (GPN).
- Business Insurance: Commercial insurance products for SMBs including Property, Casualty, Workers' compensation and others. Competitors include Arthur J Gallagher & Co (AJG), Marsh & McLennan Companies (MMC).
Market Dynamics
Industry Overview
The SMB lending market is highly competitive. The business insurance market is fragmented but has a few key players with strong brand recognition. The payment processing market is driven by the growth of e-commerce and digital payments.
Positioning
Newtek positions itself as a comprehensive solutions provider for SMBs, offering a range of financial and business services. Its competitive advantage lies in its ability to cross-sell products and services to its existing customer base.
Total Addressable Market (TAM)
The TAM for SMB lending is estimated at hundreds of billions of dollars. The TAM for insurance and payment processing is in the trillions. Newtek aims to capture a larger share of this market through its integrated platform.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong expertise in SBA lending
- Integrated platform for SMB services
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Credit risk associated with lending activities
- Reliance on SBA loan guarantees
- Smaller scale compared to larger financial institutions
Opportunities
- Expansion of product offerings
- Increased adoption of digital payments
- Growing demand for SMB financing
- Strategic acquisitions
Threats
- Economic downturn impacting SMBs
- Increased competition in the financial services industry
- Changes in SBA lending regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Live Oak Bancshares Inc (LOB)
- Fiserv Inc (FI)
- Arthur J Gallagher & Co (AJG)
Competitive Landscape
Newtek faces competition from larger banks and financial institutions. Its advantage lies in its focus on SMBs and its integrated platform. Larger competitors have greater resources and brand recognition.
Major Acquisitions
Small Business Lending, LLC
- Year: 2023
- Acquisition Price (USD millions): 5.7
- Strategic Rationale: Bolstered organic SBA 7(a) loan origination capacity through addition of experienced lending personnel and increased market presence.
Growth Trajectory and Initiatives
Historical Growth: Discuss Newtek's revenue growth and profitability trends over the past few years.
Future Projections: Provide revenue and earnings growth projections based on analyst estimates. This will vary based on the agency providing the estimate.
Recent Initiatives: Highlight recent strategic initiatives, such as acquisitions, partnerships, or new product launches.
Summary
Newtek, now a financial holding company, offers a diversified range of services for SMBs. A key strength is their SBA lending expertise, but they face risks tied to interest rate sensitivity and economic fluctuations. Opportunities exist for growth through product expansion and increased digital payment adoption. Their success hinges on navigating competition from larger financial institutions and adapting to regulatory changes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are subject to change. All numerical values are approximations. Market shares are estimates based on available data.
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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