Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NEWT
STRONG BUYFLAGNewtekOne, Inc. · Financial Services · United States · $417M · Avg Vol: $4M/d
NewtekOne converted from a business development company into a bank holding company, and its core lending is government-guaranteed small-business loans originated at gain-on-sale, a model whose reported earnings depend heavily on fair-value marks of retained interests. Credit normalisation among small-business borrowers is the key risk. The token insider buying is immaterial. No fraud or distress event is known, so this is a flag.
COMPANY DESCRIPTION
NewtekOne, Inc. is a financial holding company that provides a comprehensive suite of business and financial solutions, including SBA lending, payment processing, and technology services, to small-to-medium-sized businesses (SMBs). The company's competitive advantage lies in its proprietary Newtek Advantage platform, which streamlines business operations and loan originations through a tech-enabled ecosystem. It operates as a unique, diversified financial services provider combining traditional banking with high-margin business services.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 105.2M | 185.1M | 237.7M | 267.0M | 36.4% | 393.0M | 301.2M | 329.8M | 11.1% |
| EPS | 1.34 | 1.89 | 1.97 | 2.21 | 18.1% | 2.22 | 2.40 | 2.56 | 7.6% |
| Shares | 24.6M | 24.7M | 26.3M | 28.7M | +16.5% | 28.9M | — | — | — |
| Debt | 547.3M | 651.1M | 714.5M | 822.8M | 14.6% | 553.2M | — | — | — |
| Equity | 375.4M | 249.0M | 296.3M | 397.6M | 1.9% | — | — | — | — |
| Op CF | -62.4M | -169.2M | -153.0M | -579.2M | — | -776.0M | — | — | — |
| Inv CF | -11.0K | -172.2M | -209.1M | -245.3M | — | — | — | — | — |
| Fin CF | 1.2M | 345.0M | 560.9M | 753.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NEWT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| NEWT | NewtekOne, Inc.(you) | $417M | 90 | STRONG BUY |
| RBB | RBB Bancorp | $446M | 89 | STRONG BUY |
| CZFS | Citizens Financial Services, Inc. | $360M | 91 | STRONG BUY |
| FNLC | The First Bancorp, Inc. | $394M | 93 | STRONG BUY |
| PKBK | Parke Bancorp, Inc. | $394M | 93 | STRONG BUY |
| FMAO | Farmers & Merchants Bancorp, Inc. | $426M | 83 | STRONG BUY |
| TSBK | Timberland Bancorp, Inc. | $343M | 86 | STRONG BUY |
| FDBC | Fidelity D & D Bancorp, Inc. | $299M | 87 | STRONG BUY |
| WTBA | West Bancorporation, Inc. | $464M | 82 | STRONG BUY |
| PLBC | Plumas Bancorp | $427M | 79 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%