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NEWTP

BEARISH
$23.86 Live
NewtekOne, Inc. · NASDAQ
$22.51 52W Range $24.85
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Ownership

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
N/A
P/E
N/A
ROE
17.4%
Profit margin
15.8%
Debt/Equity
2.07
Dividend yield
8.91%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
The deterministic health profile is severely compromised, highlighted by a Piotroski F-Score of 2/9, indicating weak financial fundamentals and deteriorating operational efficiency. While the company maintains a high dividend yield of 8.91% and strong gross margins, these are offset by negative earnings growth (-6.00%) and a bearish technical trend (0/100). The high Debt/Equity ratio of 2.07 further compounds risk in a high-interest-rate environment for regional banks. Overall, the lack of growth and poor health scores outweigh the current yield attractiveness.

Key Strengths

High Gross Margin (85.25%)
Strong Operating Margin (55.59%)
Attractive Dividend Yield (8.91%)
Robust Current Ratio (14.04)
Positive ROE (17.44%)

Key Risks

Critically low Piotroski F-Score (2/9) indicating poor financial health
Negative YoY Earnings Growth (-6.00%)
High Debt/Equity ratio (2.07) relative to sector peers
Stagnant Revenue Growth (3.00%) compared to sector average (41.22%)
Bearish Technical Trend (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$16.5
-30.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
39
Weak
Value
45
Future
20
Past
50
Health
15
Dividend
65
AI Verdict
Underperform
Key drivers: Poor Piotroski F-Score, Negative earnings growth, Bearish technicals, High leverage
Confidence
80%
Value
45/100

Ref P/B 1.96; Graham Number N/A

Positives
  • P/B ratio of 1.96 is not excessively high for the sector
Watchpoints
  • Lack of P/E data makes valuation opaque
  • Price is near 52-week high despite declining earnings
Future
20/100

Ref Revenue Growth 3.00%, Earnings Growth -6.00%

Positives
  • Slight Q/Q earnings growth (6.60%)
Watchpoints
  • Negative YoY earnings growth
  • Revenue growth significantly trails sector average
Past
50/100

Ref Historical Price Change

Positives
  • Stable long-term price performance (+4.4% over 1Y, 3Y, 5Y)
Watchpoints
  • Lack of momentum or breakout growth
Health
15/100

Ref Piotroski F-Score 2/9

Positives
  • Very high current ratio
Watchpoints
  • Piotroski F-Score of 2/9 is a major red flag
  • High Debt/Equity ratio of 2.07
Dividend
65/100

Ref Yield 8.91%, Dividend Strength 40/100

Positives
  • High yield of 8.91%
Watchpoints
  • Sustainability is questionable given the low F-Score and negative earnings growth

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$23.86

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NEWTP and closest competitors.

Updated 2026-04-14
NEW
NewtekOne, Inc.
Primary
5Y
+4.4%
3Y
+4.4%
1Y
+4.4%
6M
+6.4%
1M
+1.5%
1W
+1.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.96
P/S Ratio
N/A
EV/Revenue
3.33
EV/EBITDA
6.13
Market Cap
N/A

Profitability

Profit margins and return metrics

Profit Margin 15.79%
Operating Margin 55.59%
Gross Margin 85.25%
ROE 17.44%
ROA 5.13%

Growth

Revenue and earnings growth rates

Revenue Growth +3.0%
Earnings Growth -6.0%
Q/Q Revenue Growth -2.32%
Q/Q Earnings Growth +6.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.07
High debt
Current Ratio
14.04
Strong
Quick Ratio
1.63
Excellent
Cash/Share
$9.84

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
28.4%
Total Assets
$2.7B
Liabilities
$2.3B
Equity
$0.4B
Debt/Equity
5.90x
Operating CF
$-0.2B
CapEx
$-0.0B
Free Cash Flow
$-0.2B
FCF Yield
100%

Financial Services Sector Comparison

Comparing NEWTP against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
Return on Equity (ROE)
17.44%
This Stock
vs
0.23%
Sector Avg
+7524.8% (Excellent)
Profit Margin
15.79%
This Stock
vs
50.44%
Sector Avg
-68.7% (Weaker)
Debt to Equity
2.07
This Stock
vs
1.37
Sector Avg
+50.6% (Higher)
Revenue Growth
3.0%
This Stock
vs
37.35%
Sector Avg
-92.0% (Slower)
Current Ratio
14.04
This Stock
vs
3.28
Sector Avg
+328.2% (Stronger)

Ownership Structure

Institutional and insider holdings breakdown

Ownership Breakdown

Top Institutional Holders

IAT Reinsurance Co Ltd
80,000 shares • 2025-12-31

Past News Coverage

Recent headlines mentioning NEWTP from our newsroom.

Newest → oldest
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