Newtek Business Services Corp (NEWT)vsU.S. Bancorp (USB)
NEWT
Newtek Business Services Corp
$11.22
+0.72%
FINANCIAL SERVICES · Cap: $331.34M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6775% more annual revenue ($26.35B vs $383.33M). USB leads profitability with a 28.7% profit margin vs 15.8%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
NEWT
Buy64
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+10.0%
Fair Value
$14.82
Current Price
$11.22
$3.60 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 55.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
3.0% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.6%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : NEWT
The primary concerns for NEWT are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 5.64 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NEWT profiles as a value stock while USB is a mature play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.28 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 64/100), backed by strong 28.7% 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.
Newtek Business Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions designed specifically for small to medium-sized enterprises (SMBs) throughout the United States. The company offers a diverse suite of services, including payment processing, business lending, and advanced technological solutions, all aimed at enhancing operational efficiency and driving growth for its clients. By functioning as a comprehensive resource, Newtek positions itself as a critical partner in the success of SMBs, emphasizing exceptional customer service and strategic collaborations to help clients thrive in a competitive marketplace. With a strong focus on innovation and long-term relationships, Newtek plays a pivotal role in empowering its clients to adapt and grow.
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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