NewtekOne, Inc. (NEWT)vsU.S. Bancorp (USB)
NEWT
NewtekOne, Inc.
$13.25
+4.74%
FINANCIAL SERVICES · Cap: $401.43M
USB
U.S. Bancorp
$55.69
+0.93%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6680% more annual revenue ($26.65B vs $393.01M). USB leads profitability with a 29.3% profit margin vs 16.4%. USB appears more attractively valued with a PEG of 2.12. NEWT earns a higher WallStSmart Score of 71/100 (B).
NEWT
Strong Buy71
out of 100
Grade: B
USB
Strong Buy69
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
Strong operational efficiency at 52.3%
Earnings expanding 22.9% YoY
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Expensive relative to growth rate
4.6% revenue growth
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, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : NEWT
The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.96 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
NEWT profiles as a mature stock while USB is a value play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.37 — expect wider price swings.
NEWT is growing revenue faster at 10.7% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NEWT scores higher overall (71/100 vs 69/100), backed by strong 16.4% margins and 10.7% revenue growth. Both earn "Strong Buy" and "Strong 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 premier provider of comprehensive business solutions tailored for small to medium-sized enterprises (SMBs) throughout the United States. Offering a diverse range of services, including payment processing, business lending, and technology solutions, NewtekOne is dedicated to enhancing operational efficiency and fostering growth for its clients. The company's strong commitment to customer satisfaction and strategic partnerships positions it as an indispensable ally for SMBs facing competitive challenges. With an emphasis on innovation and building long-term relationships, NewtekOne is well-equipped to thrive in a dynamic business landscape.
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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