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Stock Ratings / Financials / NEWT
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NewtekOne Inc. (NEWT) — RQD Stock Rating Cockpit

$11.00 +2.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $11.02

NewtekOne Inc. (NEWT) carries a Roarable Rating of D- (Sell) with 40/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $310.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NEWT Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NEWT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, NewtekOne Inc. (NASDAQ: NEWT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $11.00 (+2.23% 1D, market cap $310.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, NEWT ranks #916 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NEWT compare to FCCO and FVCB in the Financials sector?
▼

Within the Financials sector (Major Banks), NEWT carries a Roarable D- (40/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of 15.2%. By comparison, FCCO (First Community Corporation) holds a C grade (65/100 RQD, P/E 16.4x, ROIC 11.5%, cap $310.0M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NEWT?
▼

Per NEWT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001587987), NewtekOne Inc. generated $1.15B in revenue (+33.2% YoY), $60.5M in net income, and -$579.3M in free cash flow against $2.74B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $11.02 (+0.21%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510040
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D-
Cash (7)Whales (4)SEC (10)Macro (5)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE-8.1% Base Target
$16 Bull$10 Base$8 Bear
📬 FREE NEWT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NEWT)Realized 20D OHLCV Swing Band: ±5.9%
Deterministic 5-Pillar Attribution (40/100 Composite)
🔍 WHY NEWT SCORES 40/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (35% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
32
Grade E$10.96+2.1% Next Q
Q2 (-2Q)
35
Grade E$11.19+2.9% Next Q
Q3 (-1Q)
37
Grade E$11.52-4.5% Next Q
Current
40
Grade D-$11.00-7.4% Hist 90D α
Trajectory: E (32) → D- (40)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NEWT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NEWT currently carries a cautious 40/100 (D-) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.50) and Max Pain ($11.55) forces dealer call-delta covering toward $16.47.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NEWT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NEWT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 40%NO 60%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
39.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
2 / 99-Pt Accounting
52-WEEK LASER RANGE23% OF RANGE
L: $10$11.00H: $16
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 15 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bearish Warning on NEWT

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (35)

15.2% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (50)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (38)

18/40 institutional & smart-money positioning score with 5/20 macro alignment.

Bull Case: Why Buyers Like NEWT
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NEWT)

  • ✓Walkthrough of NEWT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NEWT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -14.20%📐 HORIZONTAL RANGE
2026-11-03O $11.01H $11.01L $10.76C $11.00VOL 396.5K
RES: $16.06SUP: $10.10SMA50: $11.50SMA200: $12.80
$16.05$14.56$13.07$11.59$10.10RES $16.06SUP $10.10$11.002026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NEWT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NEWT Butterfly Map → + Track NEWT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-12.9%/yr Implied 5Y Growth

vs. +33.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NEWT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NEWT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NEWT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NEWT)

Financials Rank #916 of 1097 ⚔️ FCCO vs NEWT Full Matrix →

1. Head-to-Head Financials Peer Comparison (NEWT vs. FCCO, FVCB, MYFW, ISBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, NewtekOne Inc. (NEWT) ranks #916 by composite RQD confidence (40/100, grade D-) and #796 by equity capitalization ($310.8M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. FCCO currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with NEWT at 40/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NEWT ACTIVE
NewtekOne Inc.
D- 40/100 5.3x — 15.2% +2.23% $310.8M Benchmark Subject
FCCO
First Community Corporation
C 65/100 16.4x — 11.5% +2.37% $310.0M /fcco-vs-newt →
FVCB
FVCBankcorp Inc.
C 65/100 13.9x — 8.7% -0.36% $304.2M /fvcb-vs-newt →
MYFW
First Western Financial Inc.
D- 42/100 23.3x — 5.0% +1.77% $302.7M /myfw-vs-newt →
ISBA
Isabella Bank Corporation
C- 60/100 16.0x — 8.2% +2.98% $302.4M /isba-vs-newt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001587987 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NewtekOne Inc. (NEWT) reported GAAP revenue of $1.15B (+33.2% vs. FY2024 revenue of $865.2M , and +79.3% cumulative change since FY2023) , GAAP net income of $60.5M, operating cash flow of -$579.2M, and free cash flow of -$579.3M (-277.5% YoY). On the balance sheet, NEWT closed FY2025 with $2.74B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.15B $60.5M -$579.2M -$579.3M $2.74B —
FY2024 (FY) 2024-12-31 $865.2M $50.9M -$153.0M -$153.5M $2.06B —
FY2023 (FY) 2023-12-31 $643.0M $47.3M -$169.2M -$169.2M — —

3. NEWT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NEWT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, NewtekOne Inc. (NASDAQ: NEWT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $11.00 (+2.23% 1D, market cap $310.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, NEWT ranks #916 in composite RQD confidence.

How does NEWT compare to FCCO and FVCB in the Financials sector?

Within the Financials sector (Major Banks), NEWT carries a Roarable D- (40/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of 15.2%. By comparison, FCCO (First Community Corporation) holds a C grade (65/100 RQD, P/E 16.4x, ROIC 11.5%, cap $310.0M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NEWT?

Per NEWT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001587987), NewtekOne Inc. generated $1.15B in revenue (+33.2% YoY), $60.5M in net income, and -$579.3M in free cash flow against $2.74B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NEWT trading relative to its 50-day, 200-day, and 52-week technical levels?

NEWT last traded at $11.00 (+2.23% on volume of 340,123 shares), positioning the stock -4.35% below its 50-day simple moving average ($11.50) and -14.06% below its 200-day simple moving average ($12.80). Across its 52-week range of $9.59 to $15.69, NEWT sits at the 23.1% percentile with a 14-day RSI of 39.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.9% ($10.35 to $11.65).

Direct Sub-Reports: NEWT RQD Cockpit NEWT 12M Forecast NEWT Earnings & Move NEWT Dividends & DRIP NEWT Insiders & 13F NEWT Whale Options NEWT Profit Sankey NEWT News & Why
ROARABLE RATING BRIEF • RQD 40/100 (D-) ✓ SEC XBRL & RQD VERIFIED

NEWT — NewtekOne Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

NewtekOne Inc. (NEWT) earns a live Roarable RQD composite score of 40/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $11.00 (+2.23% 1D, market capitalization $310.8M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 15.2%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (5/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

NewtekOne Inc. (NEWT) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $310.8M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 15.2% (free cash flow yield of 0%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NewtekOne Inc. (NEWT) reported $1.15B in annual revenue (up from $865.2M in FY2024, +33.2% YoY) and $60.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($643.0M revenue, $47.3M net income) through FY2025, NEWT scaled operating cash flow to -$579.2M and free cash flow to -$579.3M, backed by $2.74B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 40/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of — and institutional whale pillar of 4/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $9.59 – $15.69 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 5.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), NEWT carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NEWT sustain or expand its — operating margin and 15.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.15B and free cash flow of -$579.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NEWT's 4.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NEWT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NewtekOne Inc. (NEWT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NEWT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NEWT Bull vs. Bear Conversation Board — What's Your Call at $11.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NEWT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NEWT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $13.23 (+23.0%)
📌 Pinned Debate

Low trailing P/E of 5.3 and an 8.82% dividend yield with ROIC of 15.2% offer valuation support.

The street is overcomplicating NewtekOne Inc. (NEWT). Low trailing P/E of 5.3 and an 8.82% dividend yield with ROIC of 15.2% offer valuation support.. With an RQD score of 40/100 (D-) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $11.62.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 40/100 quality, though with 1.0 beta I'm scaling in with half-size at $10.76 and keeping dry powder in case we test $10.01.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $8.93 (-17.0%)
Spot @ $10.76

Free cash flow was negative in FY 2023 through FY 2025 and the FCF yield is 0%, so reported earnings are not converting to cash.

Free cash flow was negative in FY 2023 through FY 2025 and the FCF yield is 0%, so reported earnings are not converting to cash.. Look at the math on NEWT: paying 5.3x trailing P/E for 15.2% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $9.47 before getting long.

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