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NewtekOne, Inc.

NEWTHยทNASDAQ

$25.20

+0.16%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$654.34M
EPS2.2200
P/E Ratio12.53
Earnings Date05/12/2026
NI

NewtekOne, Inc. Fair Value Envelope

NEWTH ยท NASDAQ

Our analysis suggests that NEWTH has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $25.2, this represents a potential HIDDEN relative to our calculated worth for NewtekOne, Inc..

Intrinsic Value
Current Price: $25.2

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.0B
+ Cash & Equivalents$310.3M
Firm Value$1.3B
- Debt$2.2B
Equity Value-$924.5M
/ Shares Outstanding25,965,992B
DCF Value-$36
OVERVALUED BY 241%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$222.0K
$444.0K
$888.0K
$1.8M
$3.6M
$7.1M
$14.2M
$28.4M
$56.8M
$113.7M
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$222.0K
$444.0K
$888.0K
$1.8M
$3.6M
$7.1M
$14.2M
$28.4M
$56.8M
$113.7M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$205.6K
$380.7K
$704.9K
$1.3M
$2.4M
$4.5M
$8.3M
$15.4M
$28.4M
$52.6M
Terminal Value represents 88.7% of Enterprise Value