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NewtekOne, Inc.

NEWT Financial Banks Regional

NewtekOne, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $383.3 million, up 13.2% from fiscal 2024. In the quarter to June 2026, revenue grew 14.7%, EPS fell 9.43%, free cash flow grew 18.3% and total debt rose 55.3%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three; insiders bought in the last twelve months.

11.01 0.07 +0.64%
Market cap
$316.0M
P/E
4.9×
Fwd P/E
5.6×
Dividend yield
6.90%
F-score
2/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.55
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 2 3 4 — — — 4 4 — — — —
Sell — — — — — — — — — — — —
Insider Ownership 12.01%

Capital & Financial Ratios $m

Market Cap 316.00
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 4.92
Fwd P/E 5.57
P/S ratio 0.77
P/B ratio 0.86
Past 5Y EPS Growth 6.52%
This Y EPS Growth (9.96%) (below 0%: weak)
Next Y EPS Growth 15.44% (at or above 15%: strong)
Next Y revenue growth (21.63%) (below 0%: weak)
Next 5Y EPS Growth 4.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 7.11%
10-year low 10-year high
P/S against its own 10 years 3.80%
10-year low 10-year high
P/B against its own 10 years 5.68%
10-year low 10-year high

Dividends

Payout Ratio 0.34
Annual Dividend Rate 0.76
Annual Dividend Yield 6.90%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.76
0.19
0.19
0.19
2025 0.76
0.19
0.19
0.19
0.19
2024 0.76
0.19
0.19
0.19
0.19
2023 0.72
0.18
0.18
0.18
0.18
2022 2.75
0.65
0.75
0.65
0.70
2021 3.15
0.50
0.70
0.90
1.05
2020 2.05
0.44
0.56
0.58
0.47
2019 2.15
0.40
0.46
0.58
0.71
2018 1.80
0.40
0.42
0.48
0.50
2017 1.64
0.36
0.40
0.44
0.44
2016 1.93
0.40
0.35
0.35
0.43
0.40
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 46 35 31 28
Receivables — — — —
Inventory — — — —
Other — — — —
46 35 31 28
2023 2024 2025 Q'26
Payables 37 41 43 43
ST’ Debt — — — —
Other — — — —
42 46 43 43

Compound Annual Growth %

10y 5y 3y
Sales 30.84% 32.97% 42.85%
Cash Flow 0.00% 0.00% 0.00%
Earnings 4.99% 11.59% 21.66%
Book Value 6.90% 3.22% 1.93%

Revenue $m

Mar Jun Sep Dec Year
’26 100 106 — — —
’25 90 93 99 101 383
’24 76 81 83 98 339
’23 61 67 68 75 271
’22 30 34 35 33 131
’21 35 37 12 85 168
’20 16 47 15 15 92
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (257) (163) — — —
’25 (61) (200) (167) (151) (579)
’24 (39) 3 (26) (92) (153)
’23 (116) (86) 101 (68) (169)
’22 6 (72) (62) 65 (62)
’21 35 87 29 (11) 141
’20 29 41 5 (59) 18
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (258) (163) — — —
’25 (61) (200) (167) (151) (579)
’24 (39) 3 (26) (92) (153)
’23 (117) (86) 101 (68) (170)
’22 6 (72) (62) 65 (62)
’21 35 87 29 (11) 141
’20 29 41 5 (59) 18
Fiscal quarters ending in the months shown.

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 0.75 0.26 0.38 0.46 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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 9.37 15.15 15.59 17.23 7.59 18.77 14.75 10.75 10.07 9.12

Analyst estimates 2026–2028

Powerpack
High 16.09 19.40 24.24 23.99 23.09 38.78 28.70 20.83 15.49 13.74
People
People Employees 137 162 175 109 110 104 104 528 591 572
Revenue/emp, $m 0.23 0.24 0.28 0.54 0.84 1.62 1.26 0.51 0.57 0.67
Income, $m
Income, $m Revenue 31 39 50 59 92 168 131 271 339 383
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 95.68 92.26 89.90
EBT 27 39 36 41 34 85 39 45 69 80
EBT margin, % 88.18 100.16 72.05 69.37 36.46 50.79 29.49 16.73 20.28 20.86
Net income 27 39 36 41 34 84 32 47 51 61
Depreciation (8) (8) 1 3 13 (4) 5 (14) (12) (53)
Per share, $
Per share, $ Revenue 2.13 2.25 2.65 3.07 4.36 7.38 5.43 11.18 13.58 14.56
Earnings 1.88 2.25 1.91 2.13 1.59 3.69 1.34 1.71 1.97 2.21
Cash flow (0.97) (4.21) (3.94) (4.60) 0.84 6.18 (2.58) (6.97) (6.13) (22.00)
Capex (0.03) (0.03) (0.03) (0.01) 0.00 0.00 0.00 (0.02) (0.02) 0.00
Free cash flow (1.00) (4.24) (3.97) (4.61) 0.84 6.18 (2.58) (6.99) (6.15) (22.01)
Book value 14.38 16.06 15.36 16.67 16.05 17.72 15.51 10.26 11.88 15.10
Shares, m 15 17 19 19 21 23 24 24 25 26
Valuation, ×
Valuation, × P/E 8.63 8.14 9.13 10.68 12.38 7.47 12.39 7.43 6.52 5.11
P/S 7.62 8.15 6.59 7.38 4.52 3.74 3.05 1.23 0.94 0.78
P/B 1.13 1.14 1.14 1.36 1.23 1.56 1.07 1.46 1.15 0.86
EV/Sales 8.43 9.01 11.96 13.60 7.92 5.14 6.20 5.15 5.80 6.54
EV/FCF (18.04) (4.78) (7.97) (9.05) 41.14 6.14 (13.06) (8.22) (12.80) (4.33)
Cash, $m
Cash, $m Operating cash flow (14) (73) (74) (89) 18 141 (62) (169) (153) (579)
Capex 0 0 (1) 0 0 — 0 0 0 0
Free cash flow (14) (73) (74) (89) 18 141 (62) (170) (153) (579)
Balance, $m
Balance, $m Working capital (96) (131) 14 34 8 170 104 4 (11) (12)
Total debt 48 54 297 402 365 422 539 1,108 1,681 2,238
Net debt 25 34 266 369 314 235 414 1,061 1,646 2,208
Shareholders’ equity 209 278 287 322 339 404 375 249 296 398
Returns, %
Returns, % ROA 7.24 8.46 6.08 5.67 4.10 8.87 3.14 3.78 2.82 2.42
ROIC (2.47) (1.58) (0.85) (0.51) 3.06 14.45 8.33 9.14 7.45 5.90
ROE 13.22 15.99 12.61 13.49 10.16 22.64 8.29 15.17 19.47 18.59
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

NewtekOne, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AVBH Avidbank Holdings Inc. $337.8M — (loss-making) 9.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $336.0M 11.0× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
CFFI C&F Financial Corporation $334.0M 11.4× — +10.31% (above 0%: growing) +10.97% (above 0%: growing) +549.86% (above 0%: growing) 78.40% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $324.9M 12.1× 7.7× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $321.6M 13.2× 11.7× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
COSO CoastalSouth Bancshares, Inc. $319.7M 11.5× 11.2× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
FVCB Fvcbankcorp, Inc. $316.1M 12.2× 11.0× +9.18% (above 0%: growing) +48.39% (above 0%: growing) +172.27% (above 0%: growing) 64.10% 0.00% Compare
NEWT NewtekOne, Inc. $316.0M 4.9× 5.6× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56%
FCCO First Community Corporation $304.5M 12.0× 11.2× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
Median of peers $323.2M 12.0× 11.2× +10.16% +15.40% +153.02% 69.86% 0.00%

All 323 Banks Regional stocks →

NewtekOne, Inc. (NEWT) key facts

  • Strength: NewtekOne, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $383.3 million, up 13.2% from fiscal 2024.
  • NewtekOne, Inc. (NEWT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, NEWT traded at $11.01, a market capitalization of $316.0 million.
  • NewtekOne, Inc. pays an annual dividend of $0.76 per share, a yield of 6.90%, with a payout ratio of 34.2%.
  • Return on equity was 18.6% and debt-to-equity 6.54.
  • Its Piotroski F-score is 2 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

NewtekOne, Inc. (NEWT) Latest News

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stockrow.com/NEWT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com