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Upturn AI SWOT - About
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029 (NEWTH)
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Upturn Advisory Summary
10/15/2025: 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 3.34% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 known as Newtek Business Services Corp., was founded in 1998. It initially focused on providing business services and technology solutions to small and medium-sized businesses (SMBs). Over time, it transitioned into a business development company (BDC) and more recently a bank holding company following the acquisition of National Bank of New York City.
Core Business Areas
- Business and Financial Solutions: Provides business services including technology solutions, payment processing, managed technology solutions, and insurance services.
- Banking Solutions: Offers banking products and services through its subsidiary, National Bank of New York City.
- Small Business Lending: Provides small business loans, including SBA 7(a) loans.
Leadership and Structure
Barry Sloane serves as Chairman, President, and CEO. The company operates with a traditional corporate structure including a Board of Directors, executive leadership, and various functional departments.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Newtek is a major provider of SBA 7(a) loans, providing capital access to small businesses. The market share varies, but Newtek has historically been a top originator. Competitors include Live Oak Bancshares (LOB), and traditional banks.
- Payment Processing: Provides payment processing solutions to SMBs. Market share in payment processing is fragmented with major players like Fiserv (FISV), Global Payments (GPN), and Block (SQ).
- Technology Solutions: Offers managed technology solutions, including cloud computing, cybersecurity, and IT support. Competition is fierce in the tech solutions market, with competitors like Dell Technologies (DELL), and IBM (IBM).
Market Dynamics
Industry Overview
The SMB services market is large and growing, with increasing demand for technology, financial services, and access to capital. The banking sector is highly competitive and subject to regulatory changes. There is increasing demand for SBA loans from small businesses.
Positioning
NewtekOne differentiates itself by offering a suite of services tailored to SMBs, combining financial services, technology, and business solutions. Its strength lies in its SBA lending expertise and integrated platform.
Total Addressable Market (TAM)
The total addressable market for SMB services, lending, and technology solutions is estimated to be in the trillions of dollars globally. NewtekOne is positioned to capture a small but significant share of this market through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Strong SBA lending expertise
- Integrated platform of services for SMBs
- Established relationships with small business owners
- Experience in providing technology solutions
- Growing bank charter with National Bank of New York City
Weaknesses
- High operating expenses relative to revenue
- Reliance on SBA loan origination volume
- Exposure to credit risk in loan portfolio
- Dependence on key personnel
- Recent transition to bank holding company
Opportunities
- Expand banking services offerings
- Increase cross-selling of services to existing clients
- Leverage technology to improve efficiency and scalability
- Acquire or partner with complementary businesses
- Capitalize on the need for capital access by small businesses
Threats
- Economic downturn affecting SMBs
- Increased competition in SBA lending and banking
- Changes in SBA regulations
- Cybersecurity risks
- Interest rate volatility
Competitors and Market Share
Key Competitors
- LOB
- FISV
- GPN
- SQ
- PAYX
- ADP
- WAFD
Competitive Landscape
NewtekOne's advantage lies in its integrated platform and SBA lending expertise. Disadvantages include smaller scale compared to larger competitors and higher operating expenses. The SBA loan market share is very fragmented.
Major Acquisitions
National Bank of New York City
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: To convert from a BDC to a bank holding company, providing more direct control over funding and lending operations.
Growth Trajectory and Initiatives
Historical Growth: Data not directly available for notes. Need to evaluate NewtekOne, Inc.'s historical growth in terms of revenue, loan origination volume, and service adoption.
Future Projections: Data not directly available for notes. Projections depend on analyst estimates for NewtekOne, Inc.'s performance in the SMB services and lending markets.
Recent Initiatives: The acquisition of National Bank of New York City and the transition to a bank holding company are significant recent initiatives.
Summary
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029 represents a fixed income investment in a company undergoing a significant transition. The shift towards banking operations, is a strategic positive, but the firm also has high costs. Key risks include the overall health of the SMB sector and any adjustments to SBA lending regulations. The success of the company depends on the banking and small business lending sectors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor. Market share data is estimated and may not be precise.
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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