Should I Buy NEWT? NEWT 2026 Analysis

Should You Buy NewtekOne Inc (NEWT) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

13.490

1 Day change

-5.73%

52 Week Range

14.910

Analysis Updated At

2026/01/30

NEWT is not a good buy right now at ~$14.3 pre-market. The trend is broadly bullish (stacked moving averages), but momentum is fading (negative MACD histogram), RSI is near the upper end of neutral, and the stock is trading above the only recent Street price target ($13) with a Neutral rating. With no Intellectia buy signals and mixed near-term sentiment (EPS miss + put-heavy option volume), the risk/reward is not attractive for an impatient buyer at current levels.

Technical Analysis

Price/Trend: Bullish structure with SMA_5 > SMA_20 > SMA_200, indicating an uptrend. Momentum: MACD histogram is negative (-0.0342) and contracting, suggesting upside momentum is weakening rather than accelerating. RSI(6)=69.14 is near the high end of neutral (close to overbought), implying limited immediate upside before a pause/pullback. Levels: Pivot 14.103 is immediate support; a clean hold above it keeps the uptrend intact. Near resistance sits at R1 14.668, then R2 15.018—current pre-market (~14.3) is closer to resistance than support, which reduces the quality of an ‘buy now’ entry. Pattern-based forward view: Similar-pattern stats imply mild downside bias over the next month (-3.55%).

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Sentiment read: Open interest put/call of 0.72 is constructive (more call positioning outstanding). However, the put/call on volume at 1.29 shows today’s flow is more defensive/hedged (puts dominating volume), which often appears around uncertainty events (earnings) or near resistance. Volatility: IV (30d) ~38.24 with low IV rank/percentile (IV rank 17.82; percentile 25.6) suggests options are not expensive versus the past year, consistent with the market not pricing a large immediate move. Overall: positioning is longer-term mildly bullish, but near-term flow is cautious.

Technical Summary

Sell

Buy

Positive Catalysts

Insider activity is notably positive: insiders are buying, with buying amount up ~531% over the last month.
Full-year headline growth: net income reported ~+$80M for 2025 (+16.4%) and total revenue $284M (+10.6% vs 2024), supporting a ‘company is improving’ narrative.
Trend structure remains bullish (stacked moving averages), which can keep buyers engaged on dips.

Neutral/Negative Catalysts

Earnings quality mixed: Q4 GAAP EPS of $0.65 missed expectations by $0.04, which can cap near-term multiple expansion.
Conflicting/uneven growth signals: news mentions Q4 revenue down ~2.7% YoY (to $73.33M), while the provided financial snapshot shows Q4 revenue up ~70% YoY—this inconsistency itself can increase uncertainty around the underlying run-rate.
Wall Street stance is cautious: most recent note kept Neutral and the raised target ($
is still below the current ~$14.3, implying limited upside per that analyst.
Options tape near-term cautious (put-heavy volume) and MACD negative suggests momentum may not support a chase entry here.

Financial Performance

Latest quarter (2025/Q4): Revenue increased to 130,726,000 (+70.06% YoY) and net income increased to 18,478,000 (+3.09% YoY), but EPS fell to 0.65 (-5.80% YoY). Separately, the news summary for Q4 reported revenue of $73.33M (-2.7% YoY) and EPS $0.65 (a miss). Net/net: top-line and profitability signals are mixed depending on the source slice, and EPS declining YoY is a near-term negative even if broader 2025 totals improved.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Limited coverage in the provided data. On 2026-01-09 Piper Sandler reiterated Neutral and raised the price target modestly to $13 from $12.50. Pros (Street view implied): 2026 EPS guidance midpoint cited as above prior Street estimate, suggesting earnings power could be better than expected. Cons: Despite the modest target raise, the target remains below the current price (~14.3), and the Neutral stance indicates the upside is not compelling at current levels. Wall Street pros/cons balance: slightly improved fundamentals vs still-not-cheap/limited upside from here.

4 Analyst Rating

Wall Street analysts forecast NEWT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NEWT is 14.5 USD with a low forecast of 12.5 USD and a high forecast of 18 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

3 Hold

0 Sell

Hold

Current: 14.310

Low

12.5

Averages

14.5

High

Current: 14.310

Low

12.5

Averages

14.5

High

Keefe Bruyette

NULL -> Market Perform

maintain

$13 -> $14

AI Analysis

2026-01-30

New

Reason

Keefe Bruyette

Price Target

$13 -> $14

AI Analysis

2026-01-30

New

maintain

NULL -> Market Perform

Reason

Keefe Bruyette raised the firm's price target on NewtekOne to $14 from $13 and keeps a Market Perform rating on the shares.

Piper Sandler

Neutral

maintain

$13

2026-01-09

Reason

Piper Sandler

Price Target

$13

2026-01-09

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on NewtekOne to $13 from $12.50 and keeps a Neutral rating on the shares as the stock underperformed as much as 6% following the company's Investor Day. While the firm was somewhat surprised by the stock reaction, Piper believes the primary driver was the 2026 EPS guidance midpoint of $2.35, which was above the Street estimate of $2.21 going into the investor day.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for NEWT

Unlock Now

NEWT Should I Buy

NEWT Should I Buy

Should You Buy NewtekOne Inc (NEWT) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch