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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2119
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$296M
Barry Sloane
Newtek Business Services Corp. is a business development company specializing in providing financial and business services to the small-and medium-sized business market in the United States. The firm seeks to makes both debt and equity investments. It operates through Electronic Payment Processing, Managed Technology Solutions, Small Business Finance, and Capcos segments.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = NEWT ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$NEWT NewtekOne, Inc. | 49 | 56 | 57 | 66 | 7.0x | 2.0x | 13.7% | 2.2% | 68.0% | 42.0% | 99.3% | 59.4% | 6.8% | 194.0x | $296M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
NewtekOne, Inc. (NEWT) receives a "Reduce" rating with a composite score of 49.2/100. It ranks #2119 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Average quality profile
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for NEWT.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 56 | 83 | -27DRAG |
| MOMENTUM | 66 | 74 | -8DRAG |
| VALUATION | 57 | 79 | -22DRAG |
| INVESTMENT | 25 | 15 | +10ALPHA |
| STABILITY | 32 | 25 | +7ALPHA |
| SHORT INT | 19 | 5 | +14ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 3.3% vs WACC 4.1% (spread -0.8%)
GM 68% vs sector 78%, OM 42% vs sector 18%
Capital turnover 0.02x
Rev growth 59%, 4yr history
Interest coverage 2.6x, Net debt/EBITDA 19.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate NewtekOne, Inc. (NEWT) as a Reduce with a composite score of 49.2/100 at a current price of $12.46. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
NewtekOne, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 49.2/100 places it at rank #2119 in our full universe.
The near-term outlook is constructive, with revenue growing at 59% and momentum in the 66th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Standard
Fair Value
Gross margins of 68% signal strong pricing power.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 194% D/E amplifies downside risk.
Vulnerability to macroeconomic shocks and interest rate volatility.
NewtekOne, Inc. represents a reduce based on multi-factor quantitative performance.
NewtekOne, Inc. receives a Reduce rating from our analysis, with a composite score of 49.2/100 and 2 out of 5 stars, ranking #2119 out of 7,333 stocks. NEWT's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
With a quality score of 56/100, NEWT shows adequate but unremarkable business quality. The company reports a return on equity of 13.7% (sector avg: 9.0%), gross margins of 68.0% (sector avg: 77.7%), net margins of 99.3% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
NEWT's value score of 57/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 7.03x, an EV/EBITDA of 1.98x, a P/B ratio of 0.96x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
NewtekOne, Inc.'s investment score of 25/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 59.4% vs. a sector average of 10.7% and a return on assets of 2.2% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
NEWT demonstrates moderate momentum with a score of 66/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 59.4% year-over-year, while a beta of 1.20 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
NEWT's stability score of 32/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.20 and a debt-to-equity ratio of 194.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
NewtekOne, Inc.'s short interest score of 19/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include above-average market sensitivity (beta: 1.20), elevated leverage (D/E: 194.00x), micro-cap liquidity risk. At $296M (micro-cap), NEWT carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
NewtekOne, Inc. offers an attractive dividend yield of 6.8%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
NewtekOne, Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2119 of 7,333 overall (71st percentile). Key comparisons include ROE of 13.7% exceeding the 9.0% sector median and operating margins of 42.0% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While NEWT currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Short Int. (19) would have the largest impact on the composite score.
EV/EBITDA 75% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 52% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 12% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
BOCA RATON, Fla., Feb. 17, 2026 (GLOBE NEWSWIRE) -- NewtekOne, Inc. (the “Company”) (NASDAQ: NEWT) is pleased that its bank subsidiary, Newtek Bank, N.A., (the “Bank”) was recently recognized for its lending capabilities and for its deposit account offering. The Coleman Report named Newtek Bank “SBA Bank Lender of the Year.” The Coleman Report is a leading authority on loan programs of the U.S. Small Business Administration (SBA).NerdWallet honored Newtek Bank for having the “Best Savings Accoun
Operator: Thank you for standing by, and welcome to NewtekOne, Inc. Fourth Quarter 2025 Earnings Conference Call. After the speaker presentation, there will be a question and answer session.
NewtekOne Inc (NEWT) reports robust revenue growth and operational efficiency, despite facing challenges in loan sales and regulatory changes.

NewtekOne reported Q2 2025 earnings of $0.52 per share, matching analyst expectations, with 15% year-over-year revenue growth. The company saw improved profitability and cost efficiency, but experienced a 9.2% decline in SBA 7(a) loan originations.
NewtekOne FY 2025 earnings snapshot NewtekOne (NEWT) has put up another solid set of numbers for FY 2025 so far, with Q3 revenue at US$99.5 million and basic EPS of US$0.68 alongside net income of US$17.4 million. The company has seen quarterly revenue move from US$81.4 million and EPS of US$0.43 in Q2 2024 to US$92.8 million and US$0.53 in Q2 2025, and more recently US$99.5 million and US$0.68 in Q3 2025. This feeds into trailing twelve month EPS of US$2.27 on revenue of US$380.4 million...