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NewtekOne, Inc. NEWT

Financial — Banks Regional
Dividend Champion (3y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.55
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 2 3 4 — — — 4 4 — — —
Sell — — — — — — — — — — — —
Insider Ownership
12.01%

Capital & Financial Ratios

Market Cap
343.44
Revenue
406.63
Net Income
65.45
Free Cash Flow
(739.57)
Net Debt
2,676.76
Current Ratio
0.65
Debt/Equity
6.54
P/E ratio
5.16
P/S ratio
0.81
P/B ratio
0.90
Past 5Y EPS Growth
(1.68%)
This Y EPS Growth
(3.69%)
Next Y EPS Growth
11.18%
Next 5Y EPS Growth
5.91%
in millions of $

Dividends

Payout Ratio
1.55
Annual Dividend Rate
1.24
Annual Dividend Yield
6.44%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡‡
2026 0.76
—
—
—
2025 0.76
—
—
—
—
2024 0.76
—
—
—
—
2023 0.72
—
—
—
—
2022 2.75
—
—
—
—
2021 3.15
—
—
—
—
2020 2.05
—
—
—
—
2019 2.15
—
—
—
—
2018 1.80
—
—
—
—
2017 1.64
—
—
—
—
2016 1.93
—
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 46.32 35.17 30.67 27.93
Receivables — — — —
Inventory — — — —
Other — — — —
46.32 35.17 30.67 27.93
2023 2024 2025 Q'26
Payables 37.30 40.81 42.96 43.05
ST’ Debt — — — —
Other — — — —
42.09 46.04 42.96 43.05
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 99.97 106.41 — —
—
’25 90.29 92.79 99.48 100.77
383.33
’24 76.43 81.37 83.12 97.80
338.73
’23 61.07 66.84 67.76 75.47
271.15
’22 29.97 34.11 34.86 32.56
131.50
’21 34.69 36.59 12.41 84.59
168.28
’20 15.80 46.69 14.93 14.78
92.20
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (257.46) (163.31) — —
—
’25 (60.70) (199.81) (167.32) (151.40)
(579.24)
’24 (38.67) 2.92 (25.67) (91.59)
(153.01)
’23 (116.36) (86.49) 101.38 (67.74)
(169.22)
’22 6.48 (71.66) (62.41) 65.18
(62.42)
’21 35.23 87.08 29.39 (10.78)
140.92
’20 29.44 41.39 5.46 (58.53)
17.76
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (257.55) (163.28) — —
—
’25 (60.74) (199.87) (167.32) (151.41)
(579.35)
’24 (38.73) 2.85 (25.91) (91.66)
(153.45)
’23 (116.52) (86.46) 101.21 (67.91)
(169.68)
’22 6.48 (71.67) (62.41) 65.16
(62.43)
’21 35.23 87.08 29.39 (10.78)
140.92
’20 29.44 41.39 5.46 (58.53)
17.75
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.43 0.47 — —
—
’25 0.35 0.52 0.67 0.65
2.18
’24 0.38 0.43 0.45 0.69
1.96
’23 0.45 0.26 0.38 0.53
1.70
’22 0.40 0.56 0.47 (0.09)
1.34
’21 1.35 0.77 0.74 0.84
3.69
’20 (0.35) 1.22 (0.02) 0.74
1.59

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.4
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 14.75 10.75 10.07 9.12 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.70 20.83 15.49 13.74 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 104 528 591 572 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.26 0.51 0.57 0.67 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 131.50 271.15 338.73 383.33 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 100.00% 95.68% 92.26% 89.90% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.78 45.37 68.69 79.98 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.49% 16.73% 20.28% 20.86% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.31 47.33 50.85 60.51 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.73 (14.27) (11.74) (53.08) — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.43 11.18 13.58 14.56 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.34 1.71 1.97 2.21 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ (2.58) (6.97) (6.13) (22.00) — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 0.00 (0.02) (0.02) 0.00 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.58) (6.99) (6.15) (22.01) — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.51 10.26 11.88 15.10 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24.20 24.26 24.95 26.32 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.39 8.44 6.52 5.11 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.05 1.23 0.94 0.78 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.07 1.46 1.15 0.86 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.64 5.29 5.91 6.64 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (13.99) (8.45) (13.06) (4.39) — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (62.42) (169.22) (153.01) (579.24) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ — (0.01) (0.46) (0.44) (0.11) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (62.43) (169.68) (153.45) (579.35) — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 104.18 4.23 (10.87) (12.29) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 597.33 1,107.63 1,681.09 2,238.30 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 471.72 1,061.31 1,645.93 2,207.62 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 375.36 249.05 296.28 397.57 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.14% 3.78% 2.82% 2.42% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.76% 9.14% 7.45% 5.90% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.29% 15.17% 19.47% 18.59% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

NewtekOne, Inc. (NEWT) has undergone a dramatic transformation from a business development company to a full-fledged bank holding company, capped by the 2023 launch of Newtek Bank, N.A. This shift supercharged revenue from $31 million in 2016 to $339 million in 2024—a staggering 995% surge—while employee count exploded 468% to 591. Yet, the stock has been a wild ride, peaking near $39 in 2021 amid lending booms before plunging to $10 lows in 2024, now trading with analyst upside potential.

Profitability remains resilient despite margin squeezes and a debt pile-up to $1.68 billion, with net income recovering to $51 million in 2024 and EPS forecasted to climb 25% to $2.46 by 2027. Valuations scream bargain—trailing PE at 6.5x and PS at 0.9x—bolstered by aggressive insider buying (over $755,000, zero sells), led by the CEO scooping up shares at recent lows. Forecasts show revenue dipping 14% in 2025 before mid-teens growth through 2027, positioning NEWT for a re-rating in small-business finance.

Insiders’ conviction and Wall Street targets (up to 100% upside) signal a high-reward dip-buy opportunity, though risks like negative free cash flow, leverage, and cyclical lending loom. For patient investors eyeing 20-50% returns, NEWT’s growth levers and dirt-cheap multiples make it a compelling under-the-radar play worth diving deeper into.

Read full commentary →

NewtekOne, Inc. (NEWT) Latest News

News by impact score

Fine-tune

28 Aug

3 , 10:00 AM
NewtekOne repositions earnings guidance to emphasize recurring net interest income. Repositioned earnings guidance stressing recurring net interest income can shift investor expectations on revenue predictability and company trajectory.

18 Aug

3 , 1:11 PM
NewtekOne, Inc. (NEWT) expands its AI-powered client support platform with Glia. Partnership advances AI client support capabilities and may improve operational efficiency along with competitive positioning.

13 Aug

3 transcript www.fool.com, 5:59 PM
NewtekOne, Inc. (NEWT) released Q2 2026 earnings call transcript covering quarterly financial results, operations, and outlook. Quarterly earnings details and guidance can shift near-term investor views and trading activity.

7 Aug

4 , 1:09 AM
NewtekOne Inc shifts to a bank-centric model per Q2 2026 earnings call highlights. Major strategic shift to bank-centric model can significantly alter company trajectory.

3 transcript www.marketbeat.com, 1:04 AM
NewtekOne Inc. presented Q2 earnings call highlights covering financial results, operational metrics, and forward guidance. Q2 earnings updates may influence short-term market views without fundamentally altering long-term trajectory.

6 Aug

3 , 8:00 PM
NewtekOne (NEWT) Q2 earnings key metrics are compared versus estimates. Q2 earnings metrics versus estimates provide standard financial insights without indicating major strategic shifts.

3 , 7:10 PM
NewtekOne (NEWT) exceeded Q2 earnings and revenue estimates. Quarterly earnings beat lifts near-term stock sentiment without altering long-term strategy.

3 , 4:05 PM
NewtekOne, Inc. reported basic EPS of $0.48 and diluted EPS of $0.47 for the second quarter of 2026. Quarterly earnings per share numbers directly shape near-term views of profitability and valuation.

3 Jun

3 GlobeNewswire, 10:03 AM
NewtekOne, Inc. forms strategic alliance with Payroc. Strategic alliance may moderately affect operations and positioning.

9 May

4 Simply Wall St., 4:06 PM
NewtekOne (NEWT) narrative shifts with fresh price targets and updated earnings guidance, signaling positive momentum in operations and market perception. Fresh targets and earnings guidance represent major strategic updates likely to significantly boost investor sentiment and alter NEWT's performance trajectory.

6 May

3 Zacks, 9:55 AM
Wall Street analysts forecast NewtekOne (NEWT) stock could rally 29.73% and provide trading strategies. Analysts' 29.73% upside prediction for NEWT could noticeably boost market sentiment and short-term performance.

5 May

3 GlobeNewswire, 3:02 PM
NewtekOne, Inc. (NEWT) selected for Emerging Company Pavilion at 2026 Sohn New York Investment Conference. Selection for prestigious Sohn Conference pavilion boosts NEWT's investor visibility and market sentiment moderately.

4 May

4 GlobeNewswire, 8:30 AM
Newtek Bank, N.A., subsidiary of NewtekOne, Inc. (NEWT), enables customers to receive instant payments through FedNow® Service and RTP® Network 24/7/365. Enabling 24/7 instant payments via FedNow and RTP enhances Newtek Bank's competitive edge in modern payment processing and customer service.

1 May

4 app.moby.co, 8:30 AM
NewtekOne, Inc. issued Q1 2026 earnings call summary highlighting financial results, operational updates, and forward guidance. Q1 2026 earnings summary discloses financial performance and strategic outlook directly impacting investor sentiment and stock trajectory.

4 GuruFocus.com, 3:18 AM
NewtekOne Inc (NEWT) Q1 2026 earnings call highlights strong start to the year with robust performance across key metrics. Robust Q1 results signal significant positive impact on financial trajectory and investor sentiment.

30 Apr

4 www.marketbeat.com, 8:09 PM
NewtekOne, Inc. (NEWT) released Q1 earnings call highlights covering financial results, operational updates, and future outlook. Q1 earnings call highlights reveal key financial metrics and strategic insights that can significantly sway investor sentiment and stock trajectory.

4 transcript www.fool.com, 6:44 PM
NewtekOne (NEWT) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward guidance. Q1 2026 earnings transcript discloses financial performance, strategic updates, and outlook that significantly impact investor sentiment and stock trajectory.

3 Zacks, 7:30 PM
NewtekOne (NEWT) reported Q1 earnings, with key metrics indicating performance highlights and future outlook. Q1 earnings directly affect financial performance and investor sentiment but are balanced by market factors.

3 GlobeNewswire, 4:01 PM
NewtekOne, Inc. (NEWT) reported basic and diluted EPS of $0.43 for 1Q26. Quarterly EPS disclosure affects financial performance and investor sentiment with moderate influence on stock trajectory.

23 Apr

3 Zacks, 10:00 AM
NewtekOne (NEWT) will report earnings next week, with Wall Street expecting growth. Pre-earnings anticipation of growth could moderately influence financial performance expectations and investor sentiment.

10 Apr

4 Simply Wall St., 9:12 PM
NewtekOne, Inc. (NEWT) shifts its investment story due to new 2026 EPS guidance, altering future profitability outlook and investor expectations. New 2026 EPS guidance marks a major shift in NEWT's investment narrative, poised to significantly influence stock performance and long-term trajectory.

4 GlobeNewswire, 8:30 AM
NewtekOne, Inc. (NEWT) has fully paid off revolving lines of credit at its holding company subsidiary and expects to terminate them soon. Paying off and terminating revolving credit lines reduces debt, strengthens the balance sheet, and enhances financial flexibility for future growth.

6 Apr

4 GlobeNewswire, 8:30 AM
NewtekOne, Inc. (NEWT) achieved a record number of loan unit originations in 1Q26, propelled by technological advances including AI. Record loan originations driven by AI enhancements significantly boost NEWT's lending volume and revenue trajectory.

13 Mar

3 GlobeNewswire, 9:33 AM
NewtekOne, Inc. (NEWT) declared cash dividends of $0.19 per share on common stock and $0.453125 per share on 8.00% Series B Cumulative Preferred Shares, both payable December 26, 2024, to shareholders of record December 19, 2024. Dividend declarations affirm financial stability and bolster investor sentiment, moderately impacting stock performance.

10 Mar

4 GlobeNewswire, 8:46 AM
Newtek Bank, N.A. introduces the Newtek Seven Day Business Loan™, providing businesses with funding decisions and disbursements within seven days to streamline access to capital. Launching a new rapid-funding loan product strengthens NewtekOne's competitive edge in business lending and supports revenue growth.

12 Feb

4 Simply Wall St., 5:14 PM
NewtekOne, Inc. (NEWT) is experiencing significant changes driven by strategic initiatives and market dynamics. The company is focusing on expanding its service offerings and enhancing its technology platform to better serve small and medium-sized businesses. Recent developments indicate a shift in investor sentiment, with increased interest in NewtekOne's growth potential. The company's efforts to innovate and adapt to market demands are expected to play a crucial role in its future performance. Strategic initiatives and market dynamics are likely to significantly impact NewtekOne's future trajectory and investor sentiment.

2 Feb

4 GlobeNewswire, 8:30 AM
NewtekOne, Inc. has successfully retired $95 million of its senior unsecured notes, a strategic move aimed at reducing debt and improving financial flexibility. This action is part of the company's ongoing efforts to enhance its balance sheet and optimize capital structure, potentially positioning it for future growth and investment opportunities. Retiring a significant amount of debt is likely to improve financial stability and investor sentiment.

30 Jan

4 GuruFocus.com, 12:03 AM
NewtekOne, Inc. (NEWT) reported record earnings in Q4 2025, highlighting significant strategic growth initiatives. The company's performance exceeded expectations, driven by increased revenue streams and effective cost management. Management outlined plans for future expansion and innovation, aiming to enhance market positioning and shareholder value. Record earnings and strategic growth initiatives are likely to significantly impact future performance and investor sentiment.

29 Jan

4 transcript www.marketbeat.com, 7:52 PM
NewtekOne, Inc. (NEWT) reported its Q4 earnings, highlighting significant growth in revenue and net income. The company emphasized its strategic initiatives aimed at expanding its market presence and enhancing service offerings. Management provided insights into future growth prospects and operational efficiencies, indicating a positive outlook for the upcoming quarters. Key performance metrics showed improvement, reflecting the effectiveness of recent investments and business strategies. Significant growth in revenue and net income indicates a strong strategic direction that could alter the company's trajectory.

4 transcript www.fool.com, 7:05 PM
NewtekOne, Inc. (NEWT) reported its Q4 2025 earnings, highlighting significant growth in revenue and net income compared to the previous year. The company attributed its success to strategic investments and an expanding customer base. Management provided an optimistic outlook for the upcoming quarters, emphasizing plans for further innovation and market expansion. Key metrics showed improved operational efficiency, and the company remains focused on enhancing shareholder value through dividends and stock buybacks. The earnings report indicates significant growth and strategic plans that could notably influence future performance and investor sentiment.
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