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48

NEWT

๐Ÿฆ Financial Services

NewtekOne, Inc.

Conservative #676Aggressive #586Low RiskMLโ†‘ 43pt
$12.28-3.38%
Day High$12.61
Day Low$12.24
Volume0.2M
Mkt Cap$355M
52W Low $952W High $15
Market Cap
$358M
P/E Ratio
5.4
Sector avg: 26.8
Rev Growth
1.0%
Sector avg: 13.4%
Earnings Growth
19.0%
Profit Margin
17.6%
Sector avg: -2.8%
Debt/Equity
5.64

Why This Score

NEWT scores 47.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 17.3% exceeds the 15% quality threshold.
  • Attractively valued at 5.4x earnings, below the market average.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 5-point penalty for execution risk.
  • Elevated leverage (D/E 5.64) increases financial risk in a rising-rate environment.

Net penalties of -11.9 points significantly impact the ranking. Without these adjustments, NEWT would rank considerably higher.

Score Breakdown

Overall Score47.8
Fundamental Score50.0
ML Score63.0

Score by Horizon

3 Month
60.0
6 Month
67.1
Primary
1 Year
70.6

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage
2 quality flags detected โ€” see details below. These penalties are already factored into the final score.
Quality Flags
High accrual ratio (976.0%) โ€” earnings quality concern
Extreme leverage: D/E ratio of 5.6x โ€” balance sheet risk

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
46
Neutral
Analyst (6.4%)
53
Neutral
Tradability (post-hoc)
47
Grade Clow dollar volume, small cap
Base
47.6
SHAP
+3.0
Factors
+0.7
Conviction
-3.5
Final
47.8
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

54AVG
Value92
Quality53
Growth55
Stability59
Investment13

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)57.0
Technical (Momentum, Weinstein, Volatility)72.0
External (Sentiment, Analyst, Macro)75.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-2.6% to +1.5%
Medium-term
-3.5% to +2.6%
Long-term
-4.3% to +3.7%

ML Model Core Features100 trained inputs โ†’ ML Score: 63

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score52.8/100
Target Upside+12.7%
Coverage9 analysts
Market Sentiment
Sentiment Score46.4/100
News Volume1 articles
Technical Stage
Weinstein Stage2 โ€” Advancing
12M Momentum+0.0%
6M Momentum+0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-1.5%
Momentum ConsistencyStrong (0.76)
Relative Strength vs Sector-4.1%
Trend Strength (ADX Proxy)Weak (0.5)
Momentum Quality+0.040
Momentum BreadthBroad โœ“
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
0%
Low risk
Sector RevGr Rank
P42
Revenue growth vs Financial Services peers
Sector PE Rank
P96
Valuation vs Financial Services peers
Sector FCF Rank
P1
Free cash flow vs Financial Services peers
Growth Deviation
-0.1ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 50 relative to sector peers50/100
Machine learning ensemble ranks this stock at the 63th percentileP63
Blended score: 80% fundamental (50) + 20% ML (63) = 52.652.6
Risk assessment: low. Low vol 0.1%; Drawdown 16% โ†’ 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +3.0pt (features align with model priorities)SHAP
Conviction adj: -3.5pt (conviction=N/A)Conviction
Risk Factors
Quality concern: High accrual ratio (976.0%) โ€” earnings quality concern; Extreme leverage: D/E ratio of 5.6x โ€” balance sheet riskFlag
Liquidity penalty: -5.0pt (grade C)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #198 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
NEWT47.85.41.0%17.6%$358M
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Company Overviewvia FMP

NewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.

CEO
Barry Scott Sloane
Employees
591
Beta
1.31
Industry
Asset Management
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
27.3
Oversold
Trend
Bearish
10-day vs 50-day MA
From 52W High
-17.6%
High: $14.91
From 52W Low
+34.6%
Low: $9.12
Moving Averages
10-Day
$12.70
Below
20-Day
$13.10
Below
50-Day
$12.90
Below
200-Day
$11.70
Above
60-Day Support
$10.74
60-Day Resistance
$14.91
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 โ€” AdvancingScore: 63/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+5%
200 SMA Slope (60d)
+3.19%
Rising
Volume Ratio
0.68x
10d avg vs 50d avg
Days in Stage
56
Confidence: 90%

Entry & Exit Zones

Below Entry Zone
$11.13
Stop Entry Now Target
$16.38
Entry Zone
$12.77 โ€“ $13.29
SMA50 pullback zone ($12.77โ€“$13.29)
Exit Target
$15.90
52-week high / +22% target ($15.9)
Stop Level
$11.47
Below SMA200 ($11.47)
Risk / Reward:1 : 1.84Tight

Stage 2 uptrend โ€” institutional accumulation phase. SMA50 pullbacks are the highest-probability entry points. Stop below SMA200 preserves capital if trend breaks.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$75M$95M$88M$86M
Gross Profit$55M$63M$57M$48M
Operating Income$40M$25M$19M$12M
Net Income$20M$18M$14M$9M
EPS (Diluted)$0.76$0.70$0.52$0.35
Gross Margin72.5%66.1%64.1%56.4%
Operating Margin53.4%26.4%21.2%13.6%
Net Margin26.0%18.8%15.5%10.9%

Why This Stock

Financial ServicesP/E ratio of 5.4Profit margin 17.6%

Tradability FilterGrade C โ€” 47/100Score impact: -8.5pt

Volume
57
273K avg/day
Dollar Vol
30
$3M/day
Float
55
25M shares
Mkt Cap
16
$358M
Range
92
63% spread
Composite Liquidity Score47/100
FDCBA
low dollar volumesmall cap

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$22.55$38.7852.9%Wide
2022$14.75$28.7064.2%Wide
2023$10.75$20.8363.8%Wide
2024$10.07$15.4942.4%Wide
2025$9.12$13.7440.4%Wide
3-Year Range
78.2%
Narrow Years
0 / 5
Sideways Penalty
None
Free Float
86.4%
Outstanding Shares
29M
Bid-Ask Spread
63.0%
Institutional Tradable
Limited

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.