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NewtekOne

NEWTH
58
Banks - Regional · Financial Services
Also trades as: 0K7X.L GBP 0.12 (+0.26%)
Price
$24.78
-0.03 (-0.12%)
Market Cap
$330.2M
Exchange
NASDAQ
Winston Score
58
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 25, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Good
11/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Strong
7/10
Ownership
Good
8/15
Dividends
Good
3/5

29 of 50 counted points = Winston Score 58. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count rising — dilution

+12.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 22.8M (2021) → 25.6M (2025)

§Winston Score History

The full picture

NewtekOne is a financial holding company based in the United States that provides banking and business services to small and medium-sized businesses. Its core offerings include loans, deposit accounts, payment processing, payroll services, and technology solutions. The company converted from a business development company to a bank holding company in 2023, making it somewhat unusual among regional banks for its roots in serving independent business owners.

NewtekOne earns money through interest income on loans, fees from banking services, and revenue from its suite of business support products. It operates primarily in the United States and has a market cap of roughly $400 million, putting it in the small regional bank category. The company's main competitive angle is its bundled approach — offering both banking and back-office services to small businesses under one roof. The key risk is its relatively low return on invested capital, which suggests the transition to a full bank model is still maturing and profitability could take time to improve.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
-2.0%
Shrinking sales (-2.0% YoY)
Profit growth
EPS YoY
+16.2%
Earnings growing fast (+16.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
4.8x
Attractive valuation — P/E 4.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.5
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
8.61%
Healthy income — 8.61% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
-7.5%
Dividend cut (-7.5% YoY) — warning sign
Payout Ratio
47%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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