NewtekOne, Inc. (NEWTH): fair value, margin of safety and Wheel Score

Is NEWTH undervalued?

At 24.79 (close of 5 Nov 2026), NEWTH trades 77% below the GLS average fair value of 109.43. That average comes from 7 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns NewtekOne, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

The 7 models disagree widely: DDM gives 11.18 while GLS Growth gives 255.03. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, NEWTH is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 88, growth score 56, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).

Nine valuation models for NEWTH

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Financial health is average - NEWTH passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.7 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.

Returns on capital are thin or negative - ROIC 5.0%, ROE 15.2%, ROA 2.2% - with debt at 2.07 times equity and negative free cash flow. Debt of 2.07 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.

The dividend yield is high at 6.90% (payout ratio 52%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.

Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 34: No options

NEWTH has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (34 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 7k shares a day on a market cap of $308M, with a beta of 1.37 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

NewtekOne, Inc. reports earnings on 9 Nov 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to NewtekOne, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare NEWTH with 7 of them   All Financial Services stocks →