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NewtekOne Inc

NewtekOne Inc

NEWT
$15.20USD↓-2.31%-0.36 today

MARKET CAP

439.1M

P/E (TTM)

14.5x

FWD P/E

6.0x

DAY RANGE

$15 – $15

52W RANGE

$10
$16

AI Summary

Stalk
Buy NowMedium

A Bullish Pivot Point at the mid-March low, confirmed by price reclaiming the 9-day and 20-day EMAs on rising volume, signals a medium-term bullish mean-reversion opportunity. Short-term timing is favorable as EMAs flatten and turn up alongside a recovering RSI, justifying immediate entry. However, the prevailing long-term downtrend tempers conviction, and failure to sustain above the EMAs or a drop below the pivot low would invalidate the thesis.

  • ↑Q1 2026 revenue grew 20% YoY to $83M; EPS +19% to $0.43
  • ↑Deposits jumped to $1.9B (from $142M at acquisition), indicating strong customer trust
  • ↓NPL ratio surged to 8.1%, signaling heightened credit concerns
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

NewtekOne, Inc. (NASDAQ: NEWT) operates as a financial holding company focused on providing integrated business and financial solutions to small to medium-sized enterprises (SMEs) in the U.S. The company differentiates itself through its technology-enabled banking and lending services, solving traditional banking pain points while emphasizing operational efficiency, reduced costs, and a strong portfolio in SBA lending. Amidst expanding its asset base post-acquisition of NewTek Bank National Association, NewtekOne is well-positioned to cater to the evolving needs of independent business owners and the underserved SMB sector.

Bull says

  • ↑Q1 2026 revenue grew 20% YoY to $83M; EPS +19% to $0.43
  • ↑Deposits jumped to $1.9B (from $142M at acquisition), indicating strong customer trust
  • ↑FedNow real-time payments and AI underwriting accelerate loan processing
  • ↑Dividend at $0.19/q (1.31% yield) with share buyback potential boosts returns
  • ↑ROAA at 3.15% and efficiency ratio at 40% reflect operational strength
  • ↑Strong earnings yield and favorable book-to-price ratio support value appeal

Bear says

  • ↓NPL ratio surged to 8.1%, signaling heightened credit concerns
  • ↓Growth factor weak; minimal revenue growth expectations amid tightening economy
  • ↓Heavy reliance on ALP loans adds uncertainty if demand wanes
  • ↓Low institutional interest; negative 13F ownership warns of weak trading support
  • ↓Tightened SBA regulations may constrain future originations
  • ↓Weak profitability metrics and small market cap may limit visibility

Earnings Call · Q4 2024 · Mgmt. Guidance

Updated 05-31-2026neutral

Transcript signals

Bull points

  • This is our second full year of transitioning from a business development corp to reporting as a financial holding company owning a nationally chartered bank.
  • strong loan growth, strong deposit growth, strong ROAA performance, strong ROTCE performance, and really good attractive efficiency ratios.
  • We came in at 70 cents per basic, 69 per diluted. The important metric there is less than 43% improvement over the three months from the prior year and prior quarter.

Bear points

  • We believe that traditional bankers, branches, and customer acquisition is too high.
  • I will point out our allowance for credit losses at 4.9% plus our cushion on capital gives us plenty of room here to continue to operate the bank in a safe and sound manner and importantly, provide a great product to our customer.
  • Because of the margins in our business, we're able to manage credit risk in the lending portfolio.
Read full transcript analysis ›