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Upturn AI SWOT - About
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029 (NEWTH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: NEWTH (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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.27% | Avg. Invested days 44 | 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 06/30/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 22.49 - 25.04 | Updated Date 09/24/2024 |
52 Weeks Range 22.49 - 25.04 | Updated Date 09/24/2024 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029
Company Overview
History and Background
NewtekOne, Inc. (formerly Newtek Business Services Corp.) was founded in 1998. It initially focused on providing business services to small and medium-sized businesses (SMBs). Over time, it evolved into a specialty finance company and a business development company (BDC), before becoming a bank holding company.
Core Business Areas
- Banking: Banking operations focused on lending and deposit products for SMBs.
- Technology: Technology solutions including cloud services and payment processing.
- Insurance: Commercial insurance products tailored to SMBs.
Leadership and Structure
The leadership team consists of senior executives with experience in banking, finance, and technology. The organizational structure is designed to support its banking and service-based businesses.
Top Products and Market Share
Key Offerings
- Small Business Loans: SBA 7(a) loans, commercial real estate loans, equipment financing. Competitors include traditional banks, credit unions, and online lenders.
- Payment Processing: Payment gateway and merchant processing services. Competitors include Square (SQ), PayPal (PYPL), and Stripe.
- Managed Technology Solutions: Cloud hosting, data backup, and IT support services. Competitors include Amazon Web Services (AMZN), Microsoft Azure (MSFT), and Google Cloud (GOOGL).
Market Dynamics
Industry Overview
The industries in which NewtekOne operates (banking, fintech, and insurance) are highly competitive and subject to evolving regulations and technological advancements.
Positioning
NewtekOne positions itself as a one-stop shop for SMBs, offering a range of financial and business services. Its competitive advantage lies in its integrated platform and focus on the SMB market.
Total Addressable Market (TAM)
The SMB market is vast, estimated to be several trillion dollars globally. NewtekOne is positioned to capture a small but significant portion of this TAM through its diverse product offerings and targeted marketing.
Upturn SWOT Analysis
Strengths
- Diverse product offerings
- Focus on SMB market
- Integrated platform
- Experienced management team
- SBA lending expertise
Weaknesses
- Dependence on SBA programs
- Regulatory scrutiny
- Competition from larger financial institutions
- Integration challenges
Opportunities
- Expanding product offerings
- Acquiring new customers
- Partnerships with other businesses
- Technological innovation
Threats
- Economic downturn
- Changes in government regulations
- Increased competition
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- DFS
Competitive Landscape
NewtekOne's advantage is its integrated SMB platform, but disadvantages include competition from larger, more established players.
Growth Trajectory and Initiatives
Historical Growth: Growth trends relate to NewtekOne as a whole.
Future Projections: Future projections relate to NewtekOne as a whole.
Recent Initiatives: Recent Initiatives relate to NewtekOne as a whole.
Summary
NewtekOne is positioned as a comprehensive solution for SMBs, leveraging its banking, technology, and insurance services. Its strength lies in its diversified offerings and focus on a specific market. However, it faces competition from larger companies and needs to navigate evolving regulations. Growth opportunities include expanding product lines and partnerships. The company's performance is tied to the economic health of SMBs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, market reports, analyst estimates, SEC filings
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on thorough research and consultation with a financial professional.
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 NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029
Exchange NASDAQ | Headquaters Boca Raton, FL, United States | ||
IPO Launch date 2024-09-17 | President, Chairman & CEO Mr. Barry Scott Sloane | ||
Sector - | Industry - | Full time employees 567 | Website https://www.newtekone.com |
Full time employees 567 | Website https://www.newtekone.com | ||
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that engages in the provision of various business and financial solutions under the Newtek brand name to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including SBA 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. Further, the company provides website hosting, dedicated server hosting, cloud hosting, web design and development, internet marketing, ecommerce, data storage, backup and disaster recovery, and other related services, including consulting and implementing technology solutions for enterprise and commercial clients as well as SMBs. 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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