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Market Price

22.80 

-0.31 -1.3%

as of Feb 25 '21

52 Week Range:

7.59 23.39


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Newtek Business Services Corp. is a business development company specializing in providing financial and business services to the small-and medium-sized business market in the United States. The firm also seeks to invest in early stage businesses. The firm seeks to makes both debt and equity investments. Under debt investments, it focuses on first lien loans, which have terms of 1 to 25 years; second lien loans, which have terms of 5 to 25 years, and unsecured loans, which are provided to meet short-term funding needs and are repaid within 6 to 12 months. It operates through Electronic Payment Processing, Managed Technology Solutions, Small Business Finance, and Capcos segments. The company originates small business administration loans for the purpose of acquiring commercial real estate, machinery, equipment, and inventory, as well as to refinance debt and fund franchises, working capital, and business acquisitions; and offers small business loan servicing and consulting services to the Federal Deposit Insurance Corporation and various other financial institutions, as well as provides management services. Its electronic payment processing services include credit and debit card processing, check approval, ancillary processing equipment and software to merchants, eCommerce, electronic solutions to accept non-cash payments, check conversion, remote deposit capture, ACH processing, and electronic gift and loyalty card programs. The company also provides Website hosting, dedicated server, and cloud hosting services; Web design and development; Internet marketing; data storage and backup and other related services; and ecommerce services, such as payment processing, online shopping cart tools, Website design and Web related services; Accounts Receivable Financing, and The Secure Gateway. In addition, it offers Newtek Advantage, a mobile, real-time operating platform enabling a business to access data on a smartphone, tablet, laptop, or PC for eCommerce, credit/debit transactions, Website statistics, payroll, insurance, and business loans. Further, the company sells personal, commercial, and health/benefits lines of insurance products; and payroll management processing and employee tax filing services. It has strategic alliances with American International Group, CTAA, Navy Federal Credit Union, Credit Union National Association, Pershing, and others to provide agent services to small business clients. The firm seeks to invest in New York and Louisiana area. The firm seeks to invest $0.3 million to $3 million in businesses. It provides small business terms loans ranging from $0.05 million to $10 million. The firm also provides account receivable financing ranging from $0.05 million to $1.5 million. It also provides $0.05 million to $10 million financing to owner occupied real estate businesses whose average net income over the last 2 years must not exceed $2.5 million. Newtek Business Services Corp., formerly known as Newtek Business Services Inc., was incorporated on August 26, 2013 and is headquartered in Lake Success, New York with additional offices in Garden City, New York; Miami, Florida; Milwaukee, Wisconsin; New Orleans, Louisiana; and New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 7.35
7.61
7.79
9.50
10.28
12.04
14.23
13.85
15.22
14.60
growth rate 3.5% 2.4% 22.0% 8.2% 8.2% 18.2% -2.7% 9.9% -4.1%
Earnings BIT -4.00
0.88
2.27
9.44
11.07
14.41
0.29
-0.82
3.06
53.31
65.22
growth rate 100.0% 158.8% 315.9% 17.3% 30.2% -98.0% -100.0% 100.0% 1,641.4% 22.4%
Avg.PE -43.00
42.74
11.92
12.11
15.82
7.13
6.64
9.04
8.09
8.92
8.92
growth rate 100.0% -72.1% 1.6% 30.6% -54.9% -6.9% 36.1% -10.5% 10.3% 0.0%
ROA -0.28
0.96
2.34
3.96
4.29
10.87
7.21
8.46
6.08
5.67
growth rate 100.0% 143.8% 69.2% 8.3% 59.2% -33.7% 17.3% -28.1% -6.7%
ROE -0.81
2.70
6.19
9.03
10.59
19.30
13.22
15.99
12.61
13.49
growth rate 100.0% 129.3% 45.9% 17.3% 35.0% -31.5% 21.0% -21.1% 7.0%
ROIC 5.16
3.65
4.90
6.77
7.09
17.86
11.97
13.17
9.96
10.73
growth rate -29.3% 34.3% 38.2% 4.7% 58.7% -33.0% 10.0% -24.4% 7.7%
Cur. Ratio 6.55
3.45
3.46
9.17
6.64
5.00
3.07
3.19
5.19
5.89
growth rate -47.3% 0.3% 165.0% -27.6% -13.2% -38.6% 3.9% 62.7% 13.5%
Quick Ratio 5.50
2.15
1.69
10.09
4.92
3.17
0.87
1.35
3.24
3.77
growth rate -60.9% -21.4% 497.0% -51.2% -19.7% -72.6% 55.2% 140.0% 16.4%
Leverage 2.60
3.04
2.27
2.28
2.64
1.74
1.92
1.87
2.27
2.47
growth rate 16.9% -25.3% 0.4% 15.8% -18.8% 10.3% -2.6% 21.4% 8.8%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 5.00
10.00
13.09
27.57
25.21
5.42
36.00
6.15
10.79
45.85
54.15
growth rate 100.0% 30.9% 110.6% -8.6% -78.5% 564.3% -82.9% 75.5% 324.8% 18.1%
Acct.Payable 38.50
33.25
14.69
1.57
1.32
1.74
1.43
3.10
2.47
growth rate -13.6% -55.8% -89.3% -15.8% 32.3% -18.1% 117.1% -20.3%
Cur.Assets 90.40
52.00
96.31
124.55
174.29
41.62
64.20
29.96
32.46
79.21
89.89
growth rate -42.5% 85.2% 29.3% 39.9% -76.1% 54.3% -53.3% 8.4% 144.0% 13.5%
Total Assets 136.10
165.00
132.00
152.70
198.60
301.83
352.43
401.45
519.61
653.34
797.41
growth rate 21.2% -20.0% 15.7% 30.1% 52.0% 16.8% 13.9% 29.4% 25.7% 22.1%
Cash 64.50
10.40
1.00
3.00
-1.70
17.81
4.31
2.05
2.46
2.32
1.76
growth rate -83.9% -90.4% 200.0% -100.0% 100.0% -75.8% -52.4% 20.1% -6.0% -23.9%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 13.80
15.10
70.64
83.84
121.60
3.31
39.64
10.85
7.16
45.09
40.81
growth rate 9.4% 367.8% 18.7% 45.0% -97.3% 1,098.4% -72.6% -34.1% 530.2% -9.5%
Liabilities 83.70
110.70
73.90
85.90
123.30
135.41
148.48
192.36
241.28
365.90
475.19
growth rate 32.3% -33.2% 16.2% 43.5% 9.8% 9.7% 29.6% 25.4% 51.7% 29.9%
LT Debt 68.20
63.50
56.90
9.30
3.60
125.20
103.71
166.14
216.25
331.63
431.93
growth rate -6.9% -10.4% -83.7% -61.3% 3,377.7% -17.2% 60.2% 30.2% 53.4% 30.2%
Equity 52.40
54.30
58.10
66.80
75.30
166.42
203.95
209.09
278.33
287.45
322.23
growth rate 3.6% 7.0% 15.0% 12.7% 121.0% 22.6% 2.5% 33.1% 3.3% 12.1%
Common Shares 7.00
7.00
7.00
7.00
8.00
0.21
11.00
15.00
17.00
19.00
19.00
growth rate 0.0% 0.0% 0.0% 14.3% -97.4% 5,265.9% 36.4% 13.3% 11.8% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1.80
2.10
1.50
3.06
2.03
1.39
0.11
0.38
0.45
0.63
0.13
growth rate 16.7% -28.7% 103.9% -33.5% -31.6% -92.4% 257.1% 18.9% 40.6% -79.9%
Cash Dividends 0.70
0.00
0.00
0.00
0.00
15.11
15.11
27.30
28.20
32.43
40.77
growth rate -100.0% 0.0% 80.7% 3.3% 15.0% 25.7%
Cash From OA 3.10
-2.21
11.41
-4.35
4.97
-14.37
-37.95
-14.10
-72.94
-73.67
-88.96
growth rate -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share 0.19
-0.60
0.56
-1.01
-0.92
1.99
-2.76
-3.63
-2.50
-3.60
growth rate -100.0% 100.0% -100.0% 0.0% 100.0% -100.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock -0.02
-0.97
0.20
29.74
35.29
56.66
56.66
0.00
-0.09
growth rate 0.0% 100.0% 14,921.7% 18.7% 60.6% 0.0% -100.0%
FCF 1.00
-4.00
10.00
-7.00
3.00
-15.76
-38.00
-11.00
-69.00
-74.00
-89.00
growth rate -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 105.70
112.70
122.71
127.71
136.41
130.11
26.07
30.97
38.91
77.69
88.79
growth rate 6.6% 8.9% 4.1% 6.8% -4.6% -80.0% 18.8% 25.7% 99.7% 14.3%
Op.Income -4.90
-2.70
3.34
5.64
7.53
14.41
0.29
-0.82
3.06
8.51
11.93
growth rate 0.0% 100.0% 69.2% 33.4% 91.4% -98.0% -100.0% 100.0% 178.0% 40.2%
IBT -4.00
0.90
2.03
9.44
11.07
8.02
35.74
27.31
38.98
36.76
44.30
growth rate 100.0% 125.3% 365.4% 17.3% -27.6% 345.7% -23.6% 42.7% -5.7% 20.5%
Net Income -0.40
1.40
3.50
5.60
7.50
3.97
35.74
27.31
38.98
35.68
41.14
growth rate 100.0% 150.0% 60.0% 33.9% -47.0% 799.3% -23.6% 42.7% -8.5% 15.3%
EPS -0.05
0.20
0.45
0.77
0.99
3.32
1.88
2.25
1.91
2.13
growth rate 100.0% 125.0% 71.1% 28.6% 83.1% -43.4% 19.7% -15.1% 11.5%
Gross Profit 47.40
44.50
52.56
54.72
136.41
63.15
26.07
30.97
38.91
28.43
44.99
growth rate -6.1% 18.1% 4.1% 149.3% -53.7% -58.7% 18.8% 25.7% -26.9% 58.2%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT 3.80
4.19
-9.38
34.35
5.61
growth rate 10.3% -100.0% 100.0% -83.7%
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Receivable 34.49
54.15
5.54
5.27
15.04
growth rate 57.0% -89.8% -4.7% 185.2%
Acct.Payable 18.37
2.47
14.86
22.76
21.21
growth rate -86.5% 500.4% 53.2% -6.8%
Cur.Assets 66.15
89.89
78.28
60.91
63.48
growth rate 35.9% -12.9% -22.2% 4.2%
Total Assets 730.76
797.41
791.48
766.06
751.97
growth rate 9.1% -0.7% -3.2% -1.8%
Cash 3.60
1.76
37.07
13.39
5.97
growth rate -51.0% 2,004.0% -63.9% -55.4%
Inventory
growth rate
Cur.Liabilities 18.48
40.81
37.68
36.07
22.76
growth rate 120.8% -7.7% -4.3% -36.9%
Liabilities 431.01
475.19
479.01
438.61
427.58
growth rate 10.3% 0.8% -8.4% -2.5%
LT Debt 392.30
431.93
442.95
384.60
386.83
growth rate 10.1% 2.6% -13.2% 0.6%
Equity 299.75
322.23
312.47
327.45
324.39
growth rate 7.5% -3.0% 4.8% -0.9%
Common Shares 19.00
19.00
21.00
0.42
0.43
growth rate 0.0% 10.5% -98.0% 2.6%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 0.02
0.13
0.00
0.01
0.00
growth rate 687.5% -96.8% 50.0% -100.0%
Cash Dividends 10.90
14.03
8.88
0.00
23.56
growth rate 28.8% -36.7% -100.0%
Cash From OA -18.96
-43.28
29.44
41.39
5.46
growth rate 0.0% 100.0% 40.6% -86.8%
Sale Purchase of Stock 10.13
-0.02
6.20
growth rate -100.0% 100.0%
FCF -18.98
-43.41
29.44
41.39
5.46
growth rate 0.0% 100.0% 40.6% -86.8%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 21.74
27.99
0.74
37.78
8.80
growth rate 28.8% -97.4% 5,033.3% -76.7%
Op.Income 5.18
0.09
4.23
34.35
5.61
growth rate -98.4% 4,877.7% 711.9% -83.7%
IBT 10.66
15.11
-10.16
25.44
-0.52
growth rate 41.7% -100.0% 100.0% -100.0%
Net Income 10.64
12.74
-7.25
25.47
-0.45
growth rate 19.7% -100.0% 100.0% -100.0%
EPS
growth rate
Gross Profit 12.43
11.72
15.80
46.69
14.93
growth rate -5.8% 34.9% 195.5% -68.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (35.68)

YOY Growth Grade:

D (43.71)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.92 9.90 9.42
EPS / Growth 19.8% 2.30 3.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.0% 13.6% 13.6%
Future PE 6.00 9.25 15.19
Future EPS 3.09 8.25 8.25
Value Price
MOS %
4.59
-79.9%
18.86
-17.3%
30.95
35.8%
MOS Price 2.29 9.43 15.48
IRT 8.57 6.12 6.12

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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