कंपनी का अवलोकन
NewtekOne, Inc. functions as a bank holding company that owns and operates Newtek Bank, National Association, delivering diverse business and financial solutions specifically targeted toward the small- and medium-sized business sector under its distinct brands. The entity operates within the Financial Services sector, classified specifically under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering rather than nationwide or global banking operations. The company employs 572 individuals to support its regional banking infrastructure, while its market capitalization is listed as N/A and its trailing twelve-month revenue stands at $383.33M. Although the specific market cap figure is not available, the annual revenue of $383.33M combined with an employee base of 572 indicates a significant regional footprint, suggesting the firm maintains a substantial operational scale within its specific geographic markets despite lacking a publicly disclosed total market value in the provided data.
वित्तीय स्वास्थ्य
NewtekOne, Inc. reported a trailing twelve-month revenue of $383.33M with a corresponding net income of $58.18M and an EBITDA of $207.91M, revealing a substantial gap between operating earnings and bottom-line profit that highlights the impact of significant tax expenses or non-operating costs on the final earnings. The company's free cash flow is recorded at -$559,332,992, indicating a notable cash outflow that suggests the firm may be investing heavily in operational expansion or technology upgrades that temporarily constrains its immediate financial flexibility. The gross margin stands at 85.3%, reflecting the typical high-margin structure of banking operations, while the operating margin of 55.6% and profit margin of 15.8% demonstrate the firm's ability to control overhead and generate net returns relative to its top-line revenue. In terms of leverage, total cash holdings of $283.81M are contrasted against total debt of $822.76M, resulting in a debt-to-equity ratio of 206.95, which characterizes the balance sheet as highly leveraged typical of regional banking models. The current ratio is an exceptionally high 14.04, indicating that the company possesses more than fourteen times the current assets required to cover its short-term liabilities, pointing to robust short-term liquidity management. Furthermore, the return on equity is 17.4% and the return on assets is 5.1%, metrics that reveal management is generating efficient returns on shareholder capital and utilizing its asset base effectively to produce earnings.
मूल्यांकन आकलन
The trailing P/E ratio and forward P/E ratio are both listed as N/A, preventing a direct comparison of expected earnings trajectories based on price-to-earnings multiples, while the price-to-book ratio is 1.96, indicating that the market values the company at nearly twice its book value per share. The price-to-sales ratio is unavailable, but the EV/EBITDA multiple stands at 6.13, suggesting a valuation metric that is often considered reasonable relative to peers in the banking sector when enterprise value is normalized by earnings before interest, taxes, depreciation, and amortization. The stock has traded between a 52-week high of $24.85 and a 52-week low of $22.51, and without a specific current price provided in the facts, the valuation context remains defined by this recent trading range which reflects market sentiment over the last year. The beta value is 1.30, which means the stock's price volatility is 30% higher than the broader market, indicating that the share price will tend to move more aggressively than the S&P 500 during periods of market fluctuation. These alternative valuation metrics and risk indicators collectively suggest that the market prices NewtekOne, Inc. with a premium over its book value while acknowledging its higher sensitivity to market movements compared to large-cap financial institutions.
Growth & Income
NewtekOne, Inc. experienced a revenue growth of 3.0% year-over-year, while earnings growth declined by 6.0% year-over-year, implying that earnings are growing significantly slower than revenue due to the aforementioned negative free cash flow or increased expense pressures. The company offers a dividend yield of 8.9%, which is a substantial income component, though the payout ratio is listed as N/A, preventing a direct assessment of sustainability without calculated earnings per share data. Given the high dividend yield relative to the negative free cash flow, the payout appears to rely on retained earnings or asset liquidity rather than current operational cash generation, requiring careful monitoring of the company's liquidity position to ensure dividend continuity. Overall, the growth and income profile presents a scenario of steady revenue expansion coupled with a significant contraction in earnings and negative cash flow, balanced by a high-yield dividend that serves as a primary return driver for shareholders in the absence of strong earnings growth.