US · NEWTH
NewtekOne, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Boca Raton, FL 33431
- Website
- newtekone.com
Price · as of 2025-12-31
$25.44
Market cap 653.56M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $129.67 | +409.71% |
| Intrinsic Value(DCF) | $15.74 | -38.13% |
| Graham-Dodd Method(GD) | $23.29 | -8.46% |
| Graham Formula(GF) | $37.93 | +49.09% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.58 | $9.19 | |||
| 2012 | $13.38 | $9.95 | |||
| 2013 | $16.01 | $18.46 | |||
| 2014 | $25.32 | $1.08 | |||
| 2015 | $1.68 | $0.00 | |||
| 2016 | $0.00 | $23.17 | |||
| 2017 | $2.90 | $72.51 | |||
| 2018 | $0.00 | $49.05 | |||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $0.00 | $97.17 | |||
| 2021 | $0.00 | $321.54 | |||
| 2022 | $0.00 | $0.00 | |||
| 2023 | $9.84 | $206.26 | |||
| 2024 | $24.98 | $107.07 | $0.00 | $8.97 | $62.80 |
| 2025 | $25.18 | $129.67 | $7.28 | $23.29 | $37.93 |
AI valuation
Our deep-learning model estimates NewtekOne, Inc.'s (NEWTH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $129.67
- Current price
- $25.44
- AI upside
- +409.71%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$15.74
-38.13% upside
Graham-Dodd
$23.29
-8.46% upside
Graham Formula
$37.93
+49.09% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NEWTH | NewtekOne, Inc. | $25.44 | 653.56M | +410% | -38% | -8% | +49% | 12.51 | 1.90 | 2.01 | 15.45 | 106.60 | 2.24 | 82.83% | 46.33% | 16.05% | 17.44% | 8.84% | 2.52% | 5.64 | 3.83 | 0.00 | 3.26 | 11.11 | 1173.00% | 1130.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 15.41 | — | 7.14 | 0.55 |
| AXG | Solowin Holdings Ordinary… | $3.72 | 161.82M | +1,942% | -81% | — | -55% | -23.11 | 5.35 | 70.00 | -20.89 | -10.42 | 5.45 | 76.16% | -288.47% | -302.87% | -16.05% | -21.24% | -7.91% | 0.23 | -1626.40 | 1.29 | 0.55 | 2.55 | 22180.00% | -3404.00% | -8000.00% | -0.58% | -0.02 | -2.99% | 0.00% | 0.00% | 6.67% | -21.62 | -153.57 | 62.37 | 0.31 |
| BULL | Webull Corporation Class … | $5.81 | 2.92B | +457% | +116% | -82% | — | -231.03 | 8.85 | 13.72 | -949.37 | -421.63 | 9.22 | 79.68% | -3.68% | -5.82% | -3.97% | -7.16% | -1.39% | 0.03 | -116.90 | 1.34 | 0.67 | 48.55 | 5479.00% | 16.00% | -6078.00% | 3.41% | 0.13 | 91.24% | 0.00% | 0.00% | 0.00% | -347.81 | 27.31 | 12.79 | 1.13 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| EGBN | Eagle Bancorp, Inc. | $25.45 | 772.95M | -25% | +23% | -74% | — | -13.58 | 0.52 | 0.90 | 8.70 | — | 0.52 | 34.54% | -4.27% | -6.65% | -3.76% | -6.76% | -0.41% | 0.51 | -0.08 | 0.16 | 0.16 | 0.29 | -14713.00% | 937.00% | -3688.00% | 19.33% | 0.01 | 27.59% | 7.14% | -97.00% | 129.66% | 7.78 | -1.91 | -0.33 | -0.66 |
| FUFU | BitFuFu Inc. | $2.37 | 390.6M | +1,432% | +219,912% | +13% | +867% | 14.11 | 4.69 | 1.64 | 8.18 | 0.33 | 4.69 | 6.41% | 14.29% | 11.65% | 60.03% | 80.20% | 18.36% | 0.22 | 10.46 | 4.15 | 1.58 | -0.04 | 430000.00% | 6308.00% | 2076.00% | -31.09% | -3.44 | -327.57% | 0.00% | 0.00% | 0.00% | 11.45 | -3.20 | 1.64 | 4.86 |
| GDOT | Green Dot Corporation | $11.56 | 642.14M | +497% | +165% | -29% | — | -14.95 | 0.46 | 0.23 | -14.93 | — | 0.84 | 33.65% | -0.10% | -1.55% | -3.08% | 0.71% | -0.52% | 0.07 | -0.30 | 0.54 | 0.38 | -19.77 | -48462.00% | 1482.00% | -6711.00% | 1.78% | 0.02 | -3.00% | 0.00% | 0.00% | 229.80% | 694.03 | -163.14 | -0.67 | 0.10 |
| NEWT | NewtekOne, Inc. | $12.28 | 354.74M | +171% | +64% | +73% | +451% | 5.63 | 0.97 | 0.90 | 9.19 | 132.41 | 1.02 | 66.34% | 21.54% | 15.95% | 18.65% | 7.25% | 2.91% | 2.41 | 0.85 | 0.42 | 0.42 | 5.13 | 426.00% | 2612.00% | -956.00% | -53.55% | -0.14 | -21.87% | 0.15% | 0.90% | 47.97% | 9.43 | -4.22 | 2.03 | 0.04 |
| PRAA | PRA Group, Inc. | $15.75 | 614.49M | +680% | -49% | +76% | +404% | 8.84 | 0.69 | 0.70 | 19.05 | — | 1.06 | 61.01% | 30.23% | 6.28% | 7.69% | 5.64% | 1.87% | 2.96 | 3.83 | 12.97 | 12.97 | 15.57 | -18404.00% | 3781.00% | -178.00% | -12.59% | -0.28 | -2.03% | 0.00% | 0.00% | 131.83% | 11.73 | -40.40 | 3.55 | 1.99 |
| QD | Qudian Inc. | $3.20 | 528.4M | +279% | +45% | +181% | +69% | 39.38 | 0.32 | 16.69 | -14.04 | 22.87 | 0.32 | 7.12% | -142.38% | 42.38% | 0.80% | -5.10% | 0.74% | 0.07 | — | 9.02 | 6.81 | -16.32 | 17222.00% | 7131.00% | 10140.00% | -11.87% | -0.10 | -12.19% | 0.00% | 0.00% | 14.76% | 9.71 | 6.97 | -13.82 | 3.63 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
About NewtekOne, Inc.
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that engages in the provision of various business and financial solutions under the Newtek brand name to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including SBA 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 a various restaurant, 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. Further, the company provides website hosting, dedicated server hosting, cloud hosting, web design and development, internet marketing, ecommerce, data storage, backup and disaster recovery, and other related services, including consulting and implementing technology solutions for enterprise and commercial clients as well as SMBs. 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.
- CEO
- Barry Scott Sloane
- Employees
- 567
- Beta
- 1.37
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($15.74 ÷ $25.44) − 1 = -38.13% (DCF, example).