NewtekOne, Inc. (NEWT) Fair Value 2026

NEWT · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.7 /10

32 fundamental signals · 6 models active

Value Trap Risk

WARN (42/100)

Quick Summary — As of 2026-08-27, NewtekOne, Inc. (NEWT) trades at $12.32, versus a $15.41 median fair value across its 6 active models — 25.1% above the current price. QOC: 6.7/10. Value Trap Risk: 42/100 (WARN). 6/13 models active.

Key Facts

Ticker
NEWT
Price
$12.32
Quality Score
6.7/10
Value Trap Risk
42/100
Models Active
6/13
Last Updated
Strength: CUCE Ensemble suggests +22.6% upside with 11% confidence
Risk: Value Trap score of 42 suggests caution despite apparent undervaluation

Is NewtekOne, Inc. (NEWT) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, NewtekOne, Inc. (NEWT) appears undervalued as of : the median of 6 independent fair value estimates is $15.41, 25.1% above the current price of $12.32. Estimates range from $4.99 to $36.41. NEWT scores 6.7/10 on fundamental quality and 42/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. NEWT’s +25.1% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy NewtekOne, Inc. Stock in 2026? →

What Fair Value Does Each Model Give NEWT?

6 Intrinsic Value Models vs. Current Price ($12.32)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $13.15 +6.7%
Ensemble · Low Conviction
 $15.10 +22.6%
Intrinsic · High Conviction
 $4.99 -59.5%
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What Is NEWT's Fair Value Range?

Spread across 6 independent models · $4.99 to $36.41

CirclFi's 6 active models place NewtekOne, Inc. (NEWT) between $4.99 and $36.41 per share, a spread of 204% of the median. The median of that range — $15.41 — is the fair value CirclFi publishes for NEWT, against a current price of $12.32.

Low · Markov DDMHigh · Regime Cross
$4.99median $15.41$36.41
Where the range comes from
Most bearish modelMarkov DDM$4.99
Most bullish modelRegime Cross-Sectional$36.41
Model agreement5 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for NEWT. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on NEWT, not a CirclFi price target. How each model works →

What Is NewtekOne, Inc. (NEWT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for NewtekOne, Inc.. Trading at $12.32 against an estimated intrinsic value of $15.41, 5 of 6 active models flag meaningful upside of +25.1% at the median. The most optimistic model, Regime Cross, places fair value at $36.41 (+195.5%), while Markov DDM — the most conservative — estimates $4.99 (-59.5%). This +255.0% gap reflects genuine analytical uncertainty about NewtekOne, Inc.'s intrinsic worth.

What Do the Models Say About NEWT?

6 of 13 models are currently active for NEWT. Of these, 5 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for NEWT is $15.41 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does NEWT Rank in Banks - Regional?

Among 349 Banks - Regional stocks, NEWT ranks #316 by Quality of Company score. CirclFi's QOC score of 6.7/10 evaluates 32 fundamental signals. A score of 6.7 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

NewtekOne, Inc.'s positioning within the Banks - Regional segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is NEWT a Value Trap?

CirclFi's Value Trap algorithm assigns NEWT a score of 42/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for NewtekOne, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, NewtekOne, Inc. earns a quality score of 6.7/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency. Our Value Trap detector shows moderate caution signals worth monitoring.

The gap between the most bullish and bearish model spans +255.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every NEWT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across NEWT's 6 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy NewtekOne, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

INBKFirst Internet BancorpQOC 6.7SNNFSeneca Bancorp, Inc.QOC 6.7FGBIFirst Guaranty Bancshares, Inc.QOC 6.7KFFBKentucky First Federal BancorpQOC 6.6BAFNBayFirst Financial Corp.QOC 6.8BSBRBanco Santander (Brasil) S.A.QOC 6.5CCNECNB Financial CorporationQOC 8.5HDBHDFC Bank LimitedQOC 8.2USBU.S. BancorpQOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: INBK · SNNF · FGBI · KFFB · BAFN · BSBR · CCNE · HDB · USB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to NEWT?

7 companies across all industries closest to NEWT’s Quality of Company score of 6.7/10.

RCELAVITA Medical, Inc.QOC 6.7INSMInsmed IncorporatedQOC 6.7MTUSMetallus Inc.QOC 6.7KTKT CorporationQOC 6.7IRMIron Mountain IncorporatedQOC 6.7SOThe Southern CompanyQOC 6.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RCEL · INSM · MTUS · KT · IRM · SO · NVDA

Where Does NEWT Sit in CirclFi's Banks - Regional Rankings?

NEWT is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About NewtekOne, Inc.’s Valuation?

What is NewtekOne, Inc.'s intrinsic value in 2026?

CirclFi puts NewtekOne, Inc. (NEWT)'s intrinsic value at $15.41 — the median of 6 independent model estimates as of 2026-08-27, ranging from $4.99 to $36.41. The Quality of Company score is 6.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is NEWT overvalued or undervalued right now?

At $12.32, 5 of 6 active models suggest NEWT may be undervalued, while 1 indicate potential overvaluation. The median of all 6 fair value estimates is $15.41, 25.1% above the current price of $12.32 — a consensus view that NEWT is undervalued. The assessment depends on which methodology best fits NewtekOne, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.7 mean for NEWT?

NewtekOne, Inc.'s QOC of 6.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on NEWT?

CirclFi analyzes NEWT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on NEWT?

Of the 6 models currently active on NEWT, Regime Cross-Sectional is the most bullish at $36.41 per share, and Markov DDM is the most bearish at $4.99. CirclFi's published fair value for NEWT is the median of that range, $15.41, not either extreme. The gap between the two ends equals 204% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is NEWT a value trap in 2026?

NewtekOne, Inc.'s Value Trap score is 42/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, NewtekOne, Inc. (NEWT) has a median fair value of $15.41 — 25.1% above the current price of $12.32 — as of 2026-08-27.” Source: circlfi.com/stock/NEWT/ · Methodology
Primary sources for this NEWT valuation
  • Financial statements: NewtekOne, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001587987) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for NEWT as of ; valuations recomputed .

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