NewtekOne Inc

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