NEWT (NewtekOne) Moat Score: 5/10 (As of Jun. 28, 2026)


NEWT NewtekOne Inc NEWT
64 GF Score
Price $14.58
GF Value $15.09
Valuation Fairly Valued
! 11 Warning Signs
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What is NewtekOne Moat Score?

NewtekOne NEWT +1.73% 64 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates NEWT with a GF Score™ of 64/100 and a GF Value™ of $15.09 (Fairly Valued). The stock has 11 warning signs investors should review. Among 1,614 Banks companies, NewtekOne ranks better than 94.05% on this metric.

NewtekOne has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

NewtekOne has Narrow Moat: NewtekOne Inc has a solid narrow moat due to its specialized financial services and strong customer relationships. The company benefits from network effects and customer switching costs, though it lacks significant regulatory barriers or exclusive licenses.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes NewtekOne might have Narrow Moat - Solid narrow moat.

NewtekOne  (NAS:NEWT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

NewtekOne Moat Score Related Terms

NEWT vs CBK, RBB, WTBA: Moat Score Comparison

For the Banks - Regional subindustry, NewtekOne's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

NewtekOne Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, NewtekOne's Moat Score distribution charts can be found below:

* The bar in red indicates where NewtekOne's Moat Score falls into.


NEWT
64GF Score
NewtekOne Inc NEWT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
NewtekOne (NEWT) has a Moat Score of 5 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, NewtekOne ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is NewtekOne's Moat Score too high?
NewtekOne's current Moat Score is 5. Based on the distribution chart, NewtekOne ranks #96 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NewtekOne has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NewtekOne's Moat Score compare to CBK and RBB?
According to the Banks industry distribution chart, NewtekOne ranks #96 out of 1614 companies for Moat Score. This places NewtekOne in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. NewtekOne's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NewtekOne stock overvalued right now?
Based on GuruFocus' analysis, NewtekOne (NEWT) is currently considered Fairly Valued. The stock's GF Value™ is $15.09, compared to a current price of $14.58 — trading 3.4% below its estimated fair value. The current Moat Score is 5. NewtekOne's overall GF Score™ is 64/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For NewtekOne (NEWT), the current Moat Score is 5 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NewtekOne (NEWT) Overvalued in 2026?

Based on GuruFocus' analysis, NewtekOne stock appears to be undervalued. The current stock price of $14.58 is trading 3.4% below its estimated GF Value™ of $15.09. GuruFocus considers NewtekOne to be Fairly Valued.

Key valuation signals for NEWT:

  • Moat Score: 5
  • GF Value™: $15.09 vs. price of $14.58 (3.4% below fair value)
  • GF Score™: 64/100 with 11 warning signs

No single metric tells the full story. See the NEWT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NewtekOne Business Description

Other Exchanges 0K7X:UK
Address 4800 T Rex Avenue, Suite 120, Boca Raton, FL, USA, 33431
NewtekOne Inc provides business and financial solutions under the Newtek and NewtekOne brands to the independent business owner (SMB) market. Its services are offered online and in some cases delivered by staff via video and voice calls. The company offers lending products, FDIC insured deposit products and services, payments processing, payroll services and insurance brokerage services. Loan products include SBA 7(a), ALP, SBA 504, and traditional C&I and CRE bank loans, while deposit products include consumer high yield savings accounts, high yield certificates of deposit, zero-fee business checking and business money market accounts. The company operates through four reportable segments Banking, Alternative Lending, NSBF and Payments.
64GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.58
Price
$15.09
GF Value