NewtekOne Inc. Common Stock (NEWT)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham investor, I start with the business: NewtekOne is a bank holding company serving small- and medium-sized businesses, so its quality depends on underwriting, credit costs, and funding. The lending niche offers no obvious wide moat; it is a competitive, regulated business. At the close on 2026-10-13, the stock was $10.96, market cap $316.6M. FairStock calculates P/E of 4.96, P/B of 0.87, ROE of 18.04%, and a 6.57% dividend yield. That combination is classic deep-value bait: a bank earning a respectable return on equity and selling below book. Filed figures show fiscal year 2023 net income $47.3M, fiscal year 2024 $50.9M, and fiscal year 2025 $60.5M, with diluted EPS of $1.88, $1.96, and $2.18. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $14.6M and diluted EPS $0.47; in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $13.4M and diluted EPS $0.43. So recent earnings are not collapsing. But FairStock's Lynch category is SLOW GROWER — Shrinking: profit -7.9% a year over four years, and its Piotroski F-Score is only 2/9. Leverage, D/E 1.35, is meaningful for a bank. I cannot judge CET1, net interest margin, or combined ratio because those measures are not in the data. A P/B below 1 and P/E under 5 can be a bargain, or it can signal the market distrusts the loan book. Without underwriting detail, I treat this as cheap but not clearly safe. The dividend is attractive only if earnings and capital hold.

In plain English: NewtekOne is a bank holding company that lends to and provides financial services for small and medium-sized businesses. The business makes money and its shares look cheap compared with its profits and accounting value, but its growth record is mixed and a key safety check is weak. A bank like this can be a bargain, but it also carries credit and borrowing risks.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer