NewtekOne, Inc. (NEWT) AI Stock Analysis

NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association, providing business and financial solutions to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits, and offers loans such as United States small business administration loans, commercial and industrial loans, and commercial real estate loans. It also provides electronic payment processing services, POS systems, check approval, and processing software. Additionally, the company offers wholesale brokerage insurance agency services, inbound and outbound calling services, and payroll management with related payment and tax reporting.

NewtekOne generated $322.2M in revenue for FY2025, representing 1.0% growth over $318.9M in FY2024, alongside a 5-year revenue CAGR of 28.3% from FY2020 to FY2025. Operating margin expanded to 42.5% in FY2025 from 21.5% in FY2024, and net income grew to $60.5M, yielding diluted earnings per share of $2.19. In the trailing twelve months ending June 30, 2026, revenue stood at $406.6M with a net profit margin of 16.1% and earnings per share of $2.21. In the latest quarter, quarterly revenue grew 14.7% year-over-year, while quarterly earnings contracted 9.6%.

As of June 30, 2026, NewtekOne held $395.0M in cash and short-term investments against $556.8M in total debt, leading to net debt of $161.8M and a debt-to-equity ratio of 1.35. Shareholders' equity was $413.4M out of $3.18B in total assets. During FY2025, operating cash flow turned positive at $56.0M, supporting free cash flow of $55.9M. The company deployed cash by spending $106,000 on capital expenditures, repurchasing $1.5M of its shares, and distributing $28.0M in dividends.

NewtekOne trades at a trailing price-to-earnings ratio of 5.0x and a forward ratio of 5.2x, below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its enterprise value-to-EBITDA stands at 6.7x, compared to the peer median of 11.7x. Over the past year, the stock returned 13.3%, trailing the S&P 500 (SPY) return of 16.8%. Over a 5-year span, the stock fell 42.0%, compared to an 83.0% gain for the benchmark.

NewtekOne pays a quarterly dividend with an annualized forward dividend of $0.76 per share, providing a dividend yield of 6.90%. The dividend payout ratio stands at 34.2%. The company has paid consecutive dividends for 12 years, though its 5-year annualized dividend growth declined 18.0%. Its most recent ex-dividend date was September 24, 2026.

Wall Street coverage includes 2 Strong Buy and 5 Hold ratings. The mean price target is $15.40, indicating upside of 39.9% from the last close of $11.01. For the fiscal year ending December 31, 2026, analysts estimate EPS of $1.76 on revenue of $300.4M. For the following fiscal year, 5 analysts project EPS to rebound 20.0% to $2.11 on revenue of $329.9M. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 28, 2026.

This page is an AI-written research summary of NewtekOne, Inc. (NEWT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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