NewtekOne, Inc.
NEWTFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeNewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that provides various business and financial solutions under the Newtek and NewtekOne brands to the small- and medium-sized. The $400.6M market capitalization puts NEWT squarely in small-cap range for its industry. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including the United States small business administration loans, commercial and industrial loans, and commercial real estate loans.
Market Cap
$400.6M
Beta
1.35
P/E (TTM)
6.14
P/E (Fwd)
5.48
EPS (TTM)
$2.26
EPS (Fwd)
$2.53
ROE
18.3%
ROA
5.2%
Cash
$380.8M
Total Debt
$553.2M
Free CF
-$298.5M
52W Change
29.8%
Annual Financials
Cash vs Debt
On the balance sheet, NEWT has $380.8M in cash with $553.2M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow is running at -$298.5M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at 18.3%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 5.2% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $105.2M (2022) to $267.0M (2025), reflecting a 154% increase over the period.
The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for NewtekOne, Inc. and its sector.