NewtekOne, Inc. (NEWT)vsU.S. Bancorp (USB)
NEWT
NewtekOne, Inc.
$10.70
+0.28%
FINANCIAL SERVICES · Cap: $309.14M
USB
U.S. Bancorp
$59.75
-0.50%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 11252% more annual revenue ($27.89B vs $245.65M). USB leads profitability with a 30.0% profit margin vs 23.7%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
NEWT
Buy57
out of 100
Grade: C
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 25.2%
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.7% and operating margin at 25.2%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : NEWT
The primary concerns for NEWT are Market Cap, Debt/Equity, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NEWT profiles as a declining stock while USB is a mature play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.38 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 57/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
NewtekOne, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NewtekOne, Inc. (NEWT) is a leading provider of diversified business solutions designed specifically for small to medium-sized enterprises (SMBs) across the United States. The company delivers an extensive portfolio of services, including payment processing, business lending, and cutting-edge technology solutions, aimed at driving operational excellence and facilitating growth for its clients. With a robust emphasis on innovation and customer satisfaction, NewtekOne has established itself as a vital partner for SMBs navigating a competitive environment, positioning the company for sustained success in a rapidly evolving marketplace.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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