NEWT Stock Risk & Deep Value Analysis
NewtekOne Inc
Financial Services • Banks - Regional
DVR Score
out of 10
The Bottom Line on NEWT
We analyzed NewtekOne Inc using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran NEWT through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
NEWT Stock Risk Analysis
Overall Risk
Aggressive
Financial Risk
High
Market Risk
Medium
About NewtekOne Inc (NEWT)
Sector
Financial Services
Industry
Banks - Regional
Market Cap Category
small
Market Cap
$328.74M
NEWT Deep Value Analysis
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NEWT Red Flags & Warning Signs
- âš
Higher-than-expected credit losses or deterioration in loan portfolio quality
- âš
Slower-than-anticipated deposit growth or increasing cost of funds
- âš
Regulatory changes impacting bank holding companies or SMB lending
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NEWT Financial Health Metrics
Market Cap
$328.74M
P/E Ratio
5.08
NEWT Competitive Moat Analysis
Sign in to unlockMoat Rating
Narrow
Moat Trend
Expanding
Moat Sources
3 Identified
The moat is strengthening as the company builds its deposit base, integrates more services, and scales its technology. Regulatory barriers to entry for new BHCs are high, and switching costs for SMBs using an integrated platform are significant. Durability depends on sustained investment in tech and superior execution.
NEWT Competitive Moat Analysis
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NEWT Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (Estimated Early May 2026)
- •Updates on deposit growth and net interest margin (NIM) expansion
- •Rollout of new technology features for SMB clients
Medium-Term (6-18 months)
- •Strategic partnerships expanding service offerings or client reach (e.g., payment processors)
- •Achievement of significant deposit growth milestones (e.g., $1B in deposits)
- •Improved efficiency ratio signaling operational leverage
Long-Term (18+ months)
- •Establishing market leadership as a one-stop-shop for SMB financial services
- •Disruption of traditional regional banking models for SMBs
- •Significant expansion of non-interest income streams
Catalysts & Growth Drivers
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NEWT Bull Case: What Could Go Right
- ✓
Acceleration in low-cost deposit growth and NIM expansion
- ✓
Stable or improving credit quality and non-performing loan ratios
- ✓
Increasing adoption of non-lending business services by SMB clients
Bull Case Analysis
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