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NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029 (NEWTH)
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Upturn Advisory Summary
12/18/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 5.59% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/18/2025 |
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 - |
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 2000. It is a diversified financial services company that provides a wide range of business and financial solutions. The company has evolved through strategic acquisitions and organic growth to become a significant player in its various market segments. The 8.625% Fixed Rate Senior Notes due 2029 are a specific debt instrument issued by the company.
Core Business Areas
- Business Lending: Provides a variety of lending products, including SBA loans, conventional commercial loans, and unsecured lines of credit to small and medium-sized businesses.
- Payment Processing: Offers payment processing solutions for businesses, enabling them to accept credit and debit card payments.
- Technology Solutions: Delivers IT solutions, including cloud hosting, managed IT services, and data backup, to businesses.
- Banking and Financial Services: Through its bank subsidiary, Newtek Bank, it offers a range of banking products and services, including commercial and retail banking, treasury management, and wealth management.
Leadership and Structure
NewtekOne, Inc. is led by a management team that includes a CEO, CFO, and other executive officers responsible for overseeing the company's diverse operations. The company operates through various subsidiaries, including Newtek Bank, N.A., which manages its banking operations.
Top Products and Market Share
Key Offerings
- SBA Loans: A significant portion of NewtekOne's lending business is focused on Small Business Administration (SBA) loans, which are government-backed loans designed to support small businesses. Competitors include other non-bank lenders and traditional banks that offer SBA lending. Market share data for this specific product is not readily available as a distinct segment.
- Payment Processing Services: Provides a suite of payment processing solutions for merchants. Competitors include major payment processors like Square, PayPal, and Fiserv. Market share data for NewtekOne within this highly competitive market is not explicitly disclosed.
- Commercial Lending: Offers a range of commercial loans beyond SBA products to businesses for various purposes. Competitors include a vast array of commercial banks and other non-bank financial institutions. Specific market share for this product line is not publicly detailed.
- Banking Services (Newtek Bank): Offers deposit accounts, loans, and treasury management services. Competitors include a wide range of national and regional banks. Market share is fragmented across many institutions.
Market Dynamics
Industry Overview
NewtekOne operates in the financial services and business solutions sectors, which are characterized by intense competition, regulatory oversight, and technological innovation. The lending sector is influenced by interest rate environments and economic conditions. The payment processing sector is driven by e-commerce growth and evolving payment technologies. The IT services sector is experiencing rapid advancements and demand for cloud-based solutions.
Positioning
NewtekOne positions itself as a one-stop shop for small and medium-sized businesses, offering an integrated suite of financial and technology solutions. Its competitive advantages lie in its diversified business model, which can provide a degree of resilience, and its focus on serving the needs of small and medium-sized businesses.
Total Addressable Market (TAM)
The TAM for NewtekOne's various services is substantial, encompassing the entire small and medium-sized business market in the US. This market is estimated to be trillions of dollars across lending, payment processing, and technology services. NewtekOne is a niche player within this broad TAM, focusing on specific segments and customer needs.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Integrated financial and technology offerings
- Focus on small and medium-sized businesses
- Established presence in SBA lending
Weaknesses
- Reliance on interest rate environment for lending
- Intense competition across all business segments
- Potential for integration challenges with recent acquisitions
- Brand recognition may be lower than larger financial institutions
Opportunities
- Continued growth in e-commerce driving payment processing demand
- Expansion of banking services through Newtek Bank
- Leveraging technology to enhance service offerings
- Strategic acquisitions to broaden market reach or capabilities
Threats
- Economic downturns impacting small business viability and loan demand
- Increasing regulatory scrutiny in financial services
- Cybersecurity risks and data breaches
- Aggressive competition from fintech companies and traditional banks
Competitors and Market Share
Key Competitors
- PayPal Holdings, Inc. (PYPL)
- Square, Inc. (SQ)
- Fiserv, Inc. (FI)
- Bank of America Corporation (BAC)
- JPMorgan Chase & Co. (JPM)
- U.S. Bancorp (USB)
- LoanDepot, Inc. (LDI)
- Rocket Companies, Inc. (RKT)
Competitive Landscape
NewtekOne faces intense competition from large, established financial institutions and agile fintech companies. Its advantages lie in its integrated model and focus on the underserved small and medium-sized business market. However, it faces disadvantages in terms of scale, brand recognition, and capital compared to some of its larger rivals.
Major Acquisitions
Pioneer Bank
- Year: 2023
- Acquisition Price (USD millions): 192.4
- Strategic Rationale: The acquisition of Pioneer Bank significantly expanded NewtekOne's banking footprint and capabilities, allowing it to offer a broader range of financial services and access new customer segments.
National Business Capital & Services
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to enhance its business lending platform and expand its reach in the commercial lending market.
Growth Trajectory and Initiatives
Historical Growth: NewtekOne has demonstrated growth through a combination of organic expansion of its core services and strategic acquisitions. The company has aimed to increase its market share and revenue by expanding its product offerings and customer base.
Future Projections: Future growth projections for NewtekOne would be based on analyst expectations for its various business segments, considering market trends, economic forecasts, and the company's strategic initiatives. Analysts may project growth in lending volumes, payment processing revenue, and profitability from its banking operations.
Recent Initiatives: Recent initiatives have likely included integrating acquired businesses, expanding its banking platform, and enhancing its technology offerings to remain competitive and capture new market opportunities.
Summary
NewtekOne, Inc. operates a diversified financial services model with strengths in lending, payment processing, and technology solutions. Its integrated approach and focus on small and medium-sized businesses are key advantages. However, it faces significant competition and is susceptible to economic downturns and regulatory changes. Continued strategic acquisitions and technological advancements are crucial for its future growth and to mitigate competitive threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Financial news and analysis websites
- Industry reports
Disclaimers:
This JSON data is generated for informational purposes only and should not be considered investment advice. Financial data and market share information can change rapidly and may not be exhaustive. Investors should conduct their own due diligence before making any investment decisions.
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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