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NewtekOne

NEWTH
42
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
42
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

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 service

Winston Score History

Score breakdown

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Quality

Gross Margin
0.0%
Thin — 0.0% gross margin
Operating Margin
36.9%
Excellent — 36.9% operating margin
ROCE
4.2%
Weak — 4.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
-5.6%
Shrinking sales (-5.6% YoY)
EPS YoY
+19.1%
Earnings growing fast (19.1% YoY)

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

EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion
-412%
Weak — only -412% of profit becomes cash
FCF Margin
-79.9%
Burning cash (-79.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity
N/A
Data not available
Interest Cover
2.03x
Tight — interest eats into profit (2.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)
6.1x
no trend
Attractive valuation — P/E 6.1

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

P/E vs Forward
-4.9
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield
5.22%
no trend
Healthy income — 5.22% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth
N/A
no trend
Data not available

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