NewtekOne, Inc. (NEWT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of NewtekOne, Inc. stock $12.55, price $10.70, upside +17.3%, quality 45 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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NewtekOne, Inc.
NEWT · USThe stock costs 15% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $8.78 – $22.51 · fair‑value band $10.66 – $16.68 · the $10.70 price screens below the $12.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.
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Company profile
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that provides various business and financial solutions under the Newtek and NewtekOne brands to the small- and medium-sized business market.
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The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including the United States small business administration loans, commercial and industrial loans, and commercial real estate loans.
It is also involved in the provision of electronic payment processing services comprising credit and debit card processing services, check approval services, processing equipment, and software, as well as cloud-based point of sale systems for various restaurants, retail, assisted living, taxi cabs, parks, and golf course businesses.
In addition, it offers wholesale brokerage insurance agency services; and payroll management, and related payment and tax reporting services to independent business owners, as well as inbound and outbound calling services.
The company was formerly known as Newtek Business Services Corp. and changed its name to NewtekOne, Inc. in January 2023. NewtekOne, Inc. was founded in 1998 and is headquartered in Boca Raton, Florida.
Stock analysis
NewtekOne, Inc. (NEWT) currently trades at $10.70, while our model-based Fair Value estimate is $12.55, implying the stock looks roughly 15% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $21.48 per share, and 5 of the 6 models we run sit above the $10.70 price.
Bear case: the Asset-Based group reads lowest at $8.88, and 1 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $10.66 (bear) to $16.68 (bull), the price of $10.70 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
NewtekOne, Inc. reported revenue of $322M in FY2025 versus $168M in FY2021, a compound +17.6%/yr. Reported net income was $60.5M in FY2025, compounding −7.9%/yr from FY2021.
Key figures
Market cap $333M Small · P/E ratio 4.8 · P/S ratio 1.35 · EPS (TTM) $2.21 · Dividend yield 7.1% · Net margin 23.7% · Return on equity 14.5% · Return on assets (EBIT) 4.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 31% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 17%, NEWT screens cheaper than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 4 officers or directors bought shares worth $261,121, most recently on Jun 15, 2026. Buying cluster
- BuyBarry SloanePresident, Chairman & CEO, Director3× since Jan 14, 2026: 19,595 shares, avg. $14.15$277,276Jun 15, 2026
- BuyFrank M DeMariaCheif Financial Officer2× since Jan 14, 2026: 2,056 shares, avg. $13.91$28,604Jun 15, 2026
- BuyCraig Jeffry BrunetDirector3× since Dec 5, 2025: 2,119 shares, avg. $12.19$25,821Jun 3, 2026
- BuyPeter Mathison DownsPresident, Newtek Bank, Director737 shares at $13.56$9,994May 26, 2026
- BuyGregory L ZinkDirector2× since Dec 15, 2025: 1,500 shares, avg. $13.27$19,900May 8, 2026
- BuyRichard J SaluteDirector2× since Dec 8, 2025: 1,900 shares, avg. $12.43$23,622May 7, 2026
- BuyMichael Adam SchwartzChief Legal Officer2,247 shares at $13.91$31,256Jan 14, 2026
- BuyHalli Razon-FeingoldSVP, Human Resources & CAO, Director1,258 shares at $13.91$17,499Jan 14, 2026
Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Watch NEWT, get fair value alerts →
Earlier news
- NewtekOne, Inc. Declares Dividends on Common Stock and Series B Preferred Shares
- NewtekOne revises down 2026/2027 EPS guidance, shares fall
- Newtek (NEWT) Q2 2026 Earnings Call Transcript
Compare NewtekOne, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs NEWT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs NEWT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs NEWT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs NEWT |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs NEWT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs NEWT |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs NEWT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs NEWT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs NEWT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs NEWT |
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Key figures of NewtekOne, Inc.
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