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Upturn AI SWOT - About
NEWT 
Newtek Business Services Corp (NEWT)
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Upturn Advisory Summary
04/01/2025: NEWT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -40.33% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 319.96M USD | Price to earnings Ratio 6.21 | 1Y Target Price 15.04 |
Price to earnings Ratio 6.21 | 1Y Target Price 15.04 | ||
Volume (30-day avg) 215604 | Beta 1.41 | 52 Weeks Range 10.19 - 15.26 | Updated Date 04/2/2025 |
52 Weeks Range 10.19 - 15.26 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 6.29% | Basic EPS (TTM) 1.96 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.01% | Operating Margin (TTM) 51.7% |
Management Effectiveness
Return on Assets (TTM) 5.86% | Return on Equity (TTM) 18.65% |
Valuation
Trailing PE 6.21 | Forward PE 5.37 | Enterprise Value 696677936 | Price to Sales(TTM) 0.94 |
Enterprise Value 696677936 | Price to Sales(TTM) 0.94 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA 6.68 | Shares Outstanding 26290700 | Shares Floating 24450847 |
Shares Outstanding 26290700 | Shares Floating 24450847 | ||
Percent Insiders 6.99 | Percent Institutions 36.42 |
Analyst Ratings
Rating 3.33 | Target Price 14.68 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Newtek Business Services Corp
Company Overview
History and Background
Newtek Business Services Corp, now known as NewtekOne, Inc. after becoming a bank holding company, was founded to provide a range of business and financial solutions to small and medium-sized businesses (SMBs). Originally focused on technology solutions, it expanded into lending, insurance, and other financial services. The company has evolved through strategic acquisitions and partnerships to offer a comprehensive suite of services.
Core Business Areas
- Newtek Bank: The company operates as a bank holding company through Newtek Bank, N.A., providing business and personal banking services, including deposit accounts, commercial loans, and SBA lending.
- Business Solutions: Offers business solutions such as payment processing, technology solutions (web design, hosting), managed IT services, and insurance services for SMBs.
- Small Business Lending: Offers small business loans and SBA lending through Newtek Small Business Finance, LLC, catering to the financing needs of SMBs.
- Insurance Solutions: Provides insurance solutions, including commercial and personal insurance products, through Newtek Insurance Agency.
- Technology Solutions: Provides technology services such as data storage, backup, and recovery services.
Leadership and Structure
Barry Sloane serves as the Chairman, President, and Chief Executive Officer. The organizational structure includes executive management overseeing each core business segment, with centralized support functions for finance, legal, and human resources.
Top Products and Market Share
Key Offerings
- Market Share (%): 6.7
- SBA 7(a) Loans: Guaranteed by the Small Business Administration, these loans help small businesses secure financing. Newtek is a significant player in this market. Competitors include Live Oak Bancshares (LOB) and regional banks with SBA lending programs. Revenue is dependent on loan volume and fees.
- Market Share (%): 0.1
- Payment Processing: Newtek provides payment processing solutions for businesses of all sizes. Competitors include Block (SQ), Fiserv (FI), and Global Payments (GPN). Revenue is based on transaction volume and service fees.
- Managed Technology Solutions: Offers managed IT services. Competitors include MSPs such as Kaseya and ConnectWise
- Market Share (%): 0.01
Market Dynamics
Industry Overview
The SMB financial services market is highly competitive and fragmented, with numerous players offering lending, payment processing, insurance, and technology solutions. The industry is characterized by increasing digitization and regulatory complexity.
Positioning
NewtekOne, Inc. positions itself as a comprehensive solutions provider for SMBs, offering a diversified range of services to meet various business needs. Its competitive advantage lies in its integrated platform and focus on the SMB market.
Total Addressable Market (TAM)
The total addressable market for SMB financial services is estimated to be in the trillions of dollars. Newtek is positioned to capture a small but significant portion of this TAM through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Diversified product and service offerings
- Focus on the underserved SMB market
- Integrated platform approach
- Experienced management team
- SBA lending expertise
Weaknesses
- Reliance on macroeconomic conditions
- Regulatory risk
- Competition from larger financial institutions
- Potential credit risk in lending portfolio
- Dependence on key personnel
Opportunities
- Expansion into new geographic markets
- Strategic acquisitions to broaden service offerings
- Increased adoption of digital financial services
- Partnerships with complementary businesses
- Leveraging technology to improve efficiency
Threats
- Economic downturn affecting SMBs
- Increased competition from fintech companies
- Changes in government regulations
- Cybersecurity risks
- Rising interest rates impacting lending profitability
Competitors and Market Share
Key Competitors
- LOB
- SQ
- FI
- GPN
Competitive Landscape
Newtek's advantage lies in its comprehensive SMB solution. Disadvantages include smaller scale compared to larger financial institutions. The competitive landscape is intense, requiring continuous innovation and adaptation.
Major Acquisitions
Small Business Lending (SBL) Portfolio of United Community Bank
- Year: 2023
- Acquisition Price (USD millions): 23
- Strategic Rationale: Expanded its small business lending capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be retrieved from official sources (e.g., SEC filings).
Future Projections: Future projections from analyst estimates needs to be inserted.
Recent Initiatives: Highlighted recent strategic initiatives undertaken by Newtek Business Services Corp needs to be inserted.
Summary
NewtekOne, Inc. is a diversified financial services provider focused on SMBs. Its comprehensive service offerings and SBA lending expertise are key strengths. However, it faces competition from larger financial institutions and is subject to macroeconomic risks. Strategic acquisitions and digital transformation efforts are crucial for its future growth. It is a solid SMB financial service company.
Similar Companies
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
LOB
Live Oak Bancshares Inc
LOB
Live Oak Bancshares Inc
PAYX
Paychex Inc
PAYX
Paychex Inc
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Investing in financial markets involves risk, including the potential loss of principal.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Newtek Business Services Corp
Exchange NASDAQ | Headquaters Boca Raton, FL, United States | ||
IPO Launch date 2000-09-27 | President, Chairman & CEO Mr. Barry Scott Sloane | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 591 | Website https://www.newtekone.com |
Full time employees 591 | Website https://www.newtekone.com | ||
NewtekOne, 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 business market. 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. 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, as well as inbound and outbound calling services. 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.
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