कंपनी का अवलोकन
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association, delivering various business and financial solutions under the Newtek and NewtekOne brands specifically to the small- and medium-sized business market. The firm functions within the Financial Services sector and the Banks - Regional industry, a classification that signifies its focus on local lending and deposit-taking activities rather than large-scale international banking operations. This regional entity maintains a market capitalization of $348.67M and generated annual revenue of $383.33M, while employing a workforce of 572 individuals. The combination of a market cap under half a billion dollars with nearly $400 million in annual revenue suggests a mid-sized regional bank that has achieved significant revenue generation relative to its valuation, indicating a position where earnings power is substantial compared to its current equity value.
वित्तीय स्वास्थ्य
The company reported revenue of $383.33M over the trailing twelve months, with net income of $58.18M and EBITDA reaching $207.91M, highlighting a significant operational leverage where non-cash charges and taxes substantially reduce bottom-line profit relative to operating cash generation. The gap between revenue and net income reveals a cost structure heavily influenced by non-operating expenses, interest on debt, and income taxes, resulting in a profit margin of 15.8% despite an operating margin of 55.6%. Free cash flow stands at -$559,332,992, indicating that the company is currently consuming cash, likely due to significant capital expenditures or loan loss provisions typical in banking, which limits immediate financial flexibility for external growth or heavy dividend hikes without access to capital markets. The balance sheet shows a cash position of $283.81M against total debt of $822.76M, resulting in a debt-to-equity ratio of 206.95, which characterizes a highly leveraged balance sheet common for banks funding loans with deposits and borrowed funds. Despite the high leverage, the current ratio of 14.04 indicates exceptional short-term liquidity, suggesting the firm holds substantial liquid assets relative to its current liabilities. Return on Equity is 17.4% and Return on Assets is 5.1%, metrics that reveal management effectiveness in generating returns from shareholder capital and total assets respectively, with ROE significantly outpacing ROA due to the leverage applied to the asset base.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 5.54, while the forward P/E is 4.93, implying that the market expects earnings growth to occur, as the forward multiple is lower than the trailing multiple, suggesting investors anticipate improved profitability in the coming year. The price-to-book ratio stands at 0.99, indicating that the stock trades at approximately book value, which often suggests the market does not assign a significant premium to the company's intangible assets or future growth prospects beyond its tangible net worth. Alternative valuation metrics include a price-to-sales ratio of 0.91 and an EV/EBITDA of 4.50, which suggest the company is valued on a relatively low multiple compared to broader financial sector peers, reflecting its regional nature and lower growth expectations. The 52-week high is $14.91 and the 52-week low is $9.44; without a specific current share price provided in the facts, the valuation range is bounded by these levels, but the low P/E ratios suggest the price is currently situated in a lower percentile of its recent trading range relative to earnings. The beta value of 1.30 indicates that the stock price volatility is 30% higher than the broader market, meaning the stock will likely experience larger price swings in response to general market movements compared to a market-neutral asset.
Growth & Income
Revenue growth year-over-year is 3.0%, while earnings growth year-over-year is -6.0%, indicating that earnings are currently shrinking faster than revenue, which implies that cost pressures or loan charge-offs are impacting profitability more severely than top-line expansion. As a dividend payer, the company offers a dividend yield of 6.3% with a payout ratio of 43.6%, a level that appears sustainable given the positive net income and the fact that the payout does not exceed 50% of earnings, providing income to shareholders while retaining capital for operations. The negative earnings growth contrasts with the positive revenue growth, suggesting a cyclical downturn in loan demand or increased operational costs specific to the regional banking environment. Overall, the growth and income profile presents a high-yield instrument with stagnant or declining earnings growth, relying on a highly leveraged model to maintain shareholder returns despite limited revenue expansion.