COMP <GO>
NEWT vs BCML // OPERATING MARGIN
NewtekOne Inc. (NASDAQ) VS. BayCom Corp (NASDAQ) • 15-METRIC TALLY: NEWT 3
— BCML 3
■ METRIC PARITY
LAST: $11.01 (-3.93%) • MKT CAP: $318.0M
operating-margins
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LAST: $30.82 (+0.95%) • MKT CAP: $336.6M
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NEWT VS. BCML)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NEWT | BCML | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.20% | 7.10% | +8.10 | NEWT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 8.94% | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.82% | 1.96% | +6.86 | NEWT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 5/9 | -3.00 | BCML | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.9 | 50.7 | -6.80 | BCML | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.9x | 13.1x | -8.20 | NEWT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $318.0M | $336.6M | -$18.5M | BCML | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NEWT REV | BCML REV | NEWT GROSS % | BCML GROSS % | NEWT FCF | BCML FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | -$579.3M | $30.1M |
| FY 2024 | $0 | $0 | — | — | -$153.5M | $28.7M |
| FY 2023 | $0 | $0 | — | — | -$169.2M | $30.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NEWT // BETA —
BCML // BETA —