Stock Ratings / Financials / NEWT / earnings

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NewtekOne Inc. (NEWT) Next Earnings Date & Expected ±5.6% Move

$11.01 -3.93% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.91

NewtekOne Inc. (NEWT) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $318.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $10.91 (-0.90%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NEWT)Realized 20D OHLCV Swing Band: ±5.6%

Deterministic 5-Pillar Attribution (47/100 Composite)

🔍 WHY NEWT SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$10.89+1.1% Next Q

Q2 (-2Q)

Grade D$11.01+3.8% Next Q

Q3 (-1Q)

Grade D$11.43-3.7% Next Q

Current

Grade D$11.01-5.9% Hist 90D α

Trajectory: E (39) → D (47)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NEWT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NEWT currently carries a cautious 47/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($11.56) and Max Pain ($11.56) forces dealer call-delta covering toward $16.47.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NEWT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NEWT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 47%NO 53%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.6% Swing Band

±$0.62 Expected Swing

MODEL EARNINGS SETUP GAUGE

NEWT Quantitative Pre-Earnings Setup: 47/100

Trailing EPS: $2.09 • YoY Revenue Growth: 12.4%

Model Bullish Setup (47/100)Model Risk Weight (53/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$60.5M	-$579.3M	52%
FY 2024	2024-12-31	$0	$50.9M	-$153.5M	52%
FY 2023	2023-12-31	$0	$47.3M	-$169.2M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NEWT)

✓Walkthrough of NEWT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NEWT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -15.11%📐 HORIZONTAL RANGE

2026-10-30O $10.99H $11.07L $10.62C $11.01VOL 396.5K

RES: $17.97SUP: $10.17SMA50: $11.56SMA200: $12.84

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NEWT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NEWT Butterfly Map → + Track NEWT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-12.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NEWT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NEWT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NEWT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NEWT)

Financials Rank #909 of 1096 ⚔️ FRAF vs NEWT Full Matrix →

1. Head-to-Head Financials Peer Comparison (NEWT vs. FRAF, FCCO, JMSB, COSO)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, NewtekOne Inc. (NEWT) ranks #909 by composite RQD confidence (47/100, grade D) and #797 by equity capitalization ($318.0M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with NEWT at 47/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NEWT ACTIVE NewtekOne Inc.	D	47/100	5.3x	—	15.2%	-3.93%	$318.0M	Benchmark Subject
FRAF Franklin Financial Services Corporation	C+	68/100	14.9x	—	12.1%	+0.63%	$316.5M	/fraf-vs-newt →
FCCO First Community Corporation	B-	70/100	16.4x	—	11.5%	+1.06%	$314.9M	/fcco-vs-newt →
JMSB John Marshall Bancorp Inc.	C+	67/100	15.4x	—	8.0%	+1.18%	$326.8M	/jmsb-vs-newt →
COSO CoastalSouth Bancshares Inc.	B-	71/100	13.2x	—	9.6%	+0.50%	$328.3M	/coso-vs-newt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001587987

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NewtekOne Inc. (NEWT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $60.5M, operating cash flow of -$579.2M, and free cash flow of -$579.3M (-277.5% YoY). On the balance sheet, NEWT closed FY2025 with $2.74B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$60.5M	-$579.2M	-$579.3M	$2.74B	—
FY2024 (FY)	2024-12-31	$0	$50.9M	-$153.0M	-$153.5M	$2.06B	—
FY2023 (FY)	2023-12-31	$0	$47.3M	-$169.2M	-$169.2M	—	—

3. NEWT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NEWT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, NewtekOne Inc. (NASDAQ: NEWT) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $11.01 (-3.93% 1D, market cap $318.0M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, NEWT ranks #909 in composite RQD confidence.

How does NEWT compare to FRAF and FCCO in the Financials sector?

Within the Financials sector (Major Banks), NEWT carries a Roarable D (47/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of 15.2%. By comparison, FRAF (Franklin Financial Services Corporation) holds a C+ grade (68/100 RQD, P/E 14.9x, ROIC 12.1%, cap $316.5M) and FCCO (First Community Corporation) posts a B- grade (70/100 RQD, P/E 16.4x, ROIC 11.5%, cap $314.9M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NEWT?

Per NEWT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001587987), NewtekOne Inc. generated $0 in revenue, $60.5M in net income, and -$579.3M in free cash flow against $2.74B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NEWT trading relative to its 50-day, 200-day, and 52-week technical levels?

NEWT last traded at $11.01 (-3.93% on volume of 490,176 shares), positioning the stock -4.76% below its 50-day simple moving average ($11.56) and -14.25% below its 200-day simple moving average ($12.84). Across its 52-week range of $9.59 to $15.69, NEWT sits at the 23.3% percentile with a 14-day RSI of 37.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($10.39 to $11.63).

NEWT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is NEWT's next earnings date?

Based on SEC filing cadence, NewtekOne Inc. (NEWT)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is NEWT stock expected to move on earnings?

Volatility modeling currently projects a ±5.6% event move for NEWT, spanning a range between $10.39 and $11.63.

Direct Sub-Reports: NEWT RQD Cockpit NEWT 12M Forecast NEWT Earnings & Move NEWT Dividends & DRIP NEWT Insiders & 13F NEWT Whale Options NEWT Profit Sankey NEWT News & Why