Stock Ratings / Financials / NEWT / options

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NewtekOne Inc. (NEWT) Options Positioning, Max Pain & Unusual Sweeps

$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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (NEWT)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for NEWT.

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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
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✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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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

What is NEWT's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for NEWT.

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