A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
NEW PEOPLES BANKSHARES INC
NWPP
$105M
Mkt Cap
$4.49
+3.22%
NEW PEOPLES BANKSHARES INC (NWPP) has a current P/E ratio of 10.4, compared to its historical median P/E of 16.1. The stock is currently considered Fair based on its historical valuation range.
NEW PEOPLES BANKSHARES INC (NWPP) has a 5-year average return on invested capital (ROIC) of 12.0%. This indicates solid capital allocation.
NEW PEOPLES BANKSHARES INC (NWPP) has a market capitalization of $105M. It is classified as a small-cap stock.
Yes, NEW PEOPLES BANKSHARES INC (NWPP) pays a dividend with a trailing twelve-month yield of 1.78%. The company also returns capital through share buybacks, with a buyback yield of 0.20%.
Based on historical P/E analysis, NEW PEOPLES BANKSHARES INC (NWPP) appears fair. The current P/E of 10.4 is 35% below its historical median of 16.1. The estimated fair value CAGR (P/E method) is 35.4%.
NEW PEOPLES BANKSHARES INC (NWPP) operates in the State Commercial Banks industry, within the Financials sector.
NEW PEOPLES BANKSHARES INC (NWPP) reported annual revenue of $58 million in its most recent fiscal year, based on SEC EDGAR filings.
New Peoples Bankshares, Inc. (New Peoples, the Company, we, us or our) is a Virginia financial holding company headquartered in Honaker, Virginia. Our business is conducted primarily through New Peoples Bank, Inc., a Virginia banking corporation (the “Bank”). The Bank has a division doing business as New Peoples Financial Services which offers investment services through its broker-dealer relationship with Osaic Institutions, Inc. NPB Insurance Services, Inc. (“NPB Insurance”) is a subsidiary of the Bank and generates revenue through the referral of insurance services. The Bank, headquartered in Honaker, Virginia, offers a range of banking and related financial services focused primarily on serving individuals, small to medium size businesses, and the professional community. We strive to serve the banking needs of our customers while developing personal, hometown relationships with them.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 58M | 58M | 56M | 47M | 41M | 40M |
| Net Income | 10M | 10M | 8.2M | 7.2M | 8.1M | 7.0M |
| EPS | $0.43 | $0.43 | $0.35 | $0.30 | $0.34 | $0.29 |
| Free Cash Flow | 11M | 11M | 6.6M | 5.9M | 13M | 9.7M |
| ROIC | 178.9% | 13.1% | 11.3% | 10.9% | 13.4% | 11.5% |
| Gross Margin | 0.0% | 0.0% | - | -266.9% | 0.0% | -240.0% |
| Debt/Equity | 0.00 | 9.98 | -0.14 | 0.30 | 12.55 | -0.08 |
| Dividends/Share | $0.00 | $0.08 | $0.07 | - | - | - |
| Operating Income | 13M | 13M | 10M | 9.3M | 10M | 9.0M |
| Operating Margin | 22.5% | 22.5% | 18.5% | 19.8% | 25.6% | 22.4% |
| ROE | 12.2% | 13.1% | 12.1% | 11.8% | 13.4% | 11.5% |
| Shares Outstanding | 23M | 23M | 23M | 24M | 24M | 24M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 33M | 32M | 32M | 36M | 36M | 40M | 38M | 40M | 41M | 47M | 56M | 58M | 58M |
| Gross Margin | N/A | N/A | N/A | -258.1% | -283.6% | -291.3% | -311.2% | -240.0% | 0.0% | -266.9% | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 13M | 12M | 13M | 14M | 14M | 14M | 13M | 13M | 13M | 14M | 15M | 15M | 15M |
| EBIT | 235K | 2.7M | 949K | 3.2M | 1.1M | 2.6M | 4.0M | 9.0M | 10M | 9.3M | 10M | 13M | 13M |
| Op. Margin | 0.7% | 8.4% | 3.0% | 9.0% | 3.0% | 6.5% | 10.5% | 22.4% | 25.6% | 19.8% | 18.5% | 22.5% | 22.5% |
| Net Income | 240K | 2.7M | 958K | 3.1M | 919K | 2.1M | 2.9M | 7.0M | 8.1M | 7.2M | 8.2M | 10M | 10M |
| Net Margin | 0.7% | 8.3% | 3.0% | 8.6% | 2.5% | 5.2% | 7.6% | 17.6% | 19.9% | 15.3% | 14.7% | 17.3% | 17.3% |
| Non-Recurring | 1.5M | 3.4M | 1.5M | 763K | 496K | 213K | 146K | -632K | -201K | 46K | 21K | 2K | 2K |
| Returns on Capital | |||||||||||||
| ROIC | 0.6% | 6.0% | 2.1% | 6.2% | 1.8% | 3.9% | 5.1% | 11.5% | 13.4% | 10.9% | 11.3% | 13.1% | 178.9% |
| ROE | 0.6% | 6.0% | 2.1% | 6.3% | 1.8% | 3.9% | 5.1% | 11.5% | 13.4% | 11.8% | 12.1% | 13.1% | 12.2% |
| ROA | 0.0% | 0.4% | 0.2% | 0.5% | 0.1% | 0.3% | 0.4% | 0.9% | 1.0% | 0.9% | 1.0% | 1.1% | 1.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 3.2M | 6.6M | 3.4M | 5.7M | 4.4M | 12M | 8.6M | 14M | 14M | 7.4M | 8.3M | 12M | 12M |
| Free Cash Flow | 1.4M | 4.1M | -1.3M | 3.6M | 2.8M | 10.0M | 6.4M | 9.7M | 13M | 5.9M | 6.6M | 11M | 11M |
| Owner Earnings | 968K | 4.5M | 1.0M | 3.2M | 1.8M | 9.2M | 6.4M | 12M | 12M | 5.8M | 6.8M | 11M | 11M |
| CapEx | 1.8M | 2.4M | 4.8M | 2.2M | 1.6M | 1.6M | 2.1M | 4.1M | 548K | 1.5M | 1.8M | 815K | 815K |
| Maint. CapEx | 2.2M | 2.1M | 2.4M | 2.5M | 2.6M | 2.3M | 2.2M | 2.1M | 1.7M | 1.6M | 1.6M | 1.5M | 1.5M |
| Growth CapEx | 0 | 331K | 2.4M | 0 | 0 | 0 | 0 | 2.0M | 0 | 0 | 220K | 0 | 0 |
| D&A | 2.2M | 2.1M | 2.4M | 2.5M | 2.6M | 2.3M | 2.2M | 2.1M | 1.7M | 1.6M | 1.6M | 1.5M | 1.5M |
| CapEx/OCF | 54.9% | 36.9% | 139.0% | 37.7% | 37.4% | 13.4% | 25.0% | 29.7% | N/A | 19.9% | 21.5% | N/A | 6.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.2M | 1.4M | 1.7M | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.7% | 2.7% | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 171K | 237K | 282K | 212K | 212K |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.4% | 0.3% | 0.0% | 0.2% |
| Stock-Based Comp | 0 | 1K | 1K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 1.8M | 0 | 0 | 0 | 5.0M | 0 | 10M | 10M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | -34M | N/A | N/A | N/A | -66M | N/A | -45M | -174M | N/A | -77M |
| Cash & Equiv. | 36M | 26M | 35M | 33M | 28M | 50M | 92M | 61M | 62M | 65M | 68M | 77M | 77M |
| Long-Term Debt | N/A | N/A | N/A | 1.8M | N/A | N/A | N/A | N/A | N/A | 9.7M | N/A | N/A | N/A |
| Debt/Equity | 14.19 | 12.58 | 12.52 | 0.03 | 12.31 | 11.94 | 12.00 | -0.08 | 12.55 | 0.30 | -0.14 | 9.98 | 0.00 |
| Interest Coverage | 1.1 | 1.9 | 1.4 | 2.0 | 1.3 | 1.4 | 1.8 | 4.3 | 0.0 | 2.2 | 1.7 | 0.0 | 0.9 |
| Equity | 43M | 46M | 47M | 51M | 51M | 55M | 58M | 64M | 57M | 65M | 71M | 83M | 83M |
| Total Assets | 651M | 626M | 634M | 667M | 682M | 706M | 756M | 795M | 775M | 826M | 855M | 910M | 910M |
| Total Liabilities | 608M | 580M | 587M | 616M | 631M | 652M | 698M | 731M | 718M | 762M | 784M | 827M | 827M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | -18M | -15M | -14M | -11M | -9.9M | -7.9M | -5.0M | 2.0M | 8.9M | 14M | 21M | 29M | 29M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | 0 |
| Current Liabilities | 2.1M | 2.1M | 2.4M | 3.4M | 2.2M | 2.3M | 2.7M | 2.7M | 0 | 3.6M | 4.4M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.01 | 0.12 | 0.04 | 0.13 | 0.04 | 0.09 | 0.12 | 0.29 | 0.34 | 0.30 | 0.35 | 0.43 | 0.43 |
| Owner EPS | 0.04 | 0.20 | 0.04 | 0.13 | 0.08 | 0.40 | 0.27 | 0.49 | 0.51 | 0.24 | 0.29 | 0.46 | 0.46 |
| Book Value | 1.79 | 2.08 | 1.96 | 2.14 | 2.23 | 2.39 | 2.42 | 2.66 | 2.40 | 2.71 | 3.02 | 3.53 | 3.53 |
| Cash Flow/Share | 0.13 | 0.30 | 0.14 | 0.24 | 0.19 | 0.50 | 0.36 | 0.58 | 0.58 | 0.31 | 0.36 | 0.52 | 0.49 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.07 | 0.08 | 0.00 |
| Shares Out. | 24.0M | 22.2M | 23.9M | 23.8M | 23.0M | 22.9M | 24.1M | 23.9M | 23.8M | 23.9M | 23.4M | 23.5M | 23.5M |
| Valuation | |||||||||||||
| P/E Ratio | 116.1 | 11.6 | 40.3 | 17.0 | 32.3 | 22.0 | 15.3 | 6.4 | N/A | 7.8 | 9.9 | N/A | 10.4 |
| P/FCF | 19.4 | 7.5 | N/A | 14.7 | 10.8 | 4.5 | 6.9 | 4.7 | N/A | 9.5 | 12.3 | N/A | 9.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.1 |
| Price/Book | 0.7 | 0.7 | 0.8 | 1.0 | 0.6 | 0.8 | 0.8 | 0.7 | N/A | 0.9 | 1.1 | N/A | 1.3 |
| Price/Sales | 0.9 | 1.0 | 1.2 | 10.3 | 11.1 | 10.5 | 12.5 | 12.1 | N/A | 13.5 | N/A | N/A | 1.8 |
| FCF Yield | 5.2% | 13.4% | -3.5% | 6.8% | 9.3% | 22.1% | 14.6% | 21.5% | N/A | 10.5% | 8.1% | N/A | 10.9% |
| Market Cap | 28M | 31M | 39M | 53M | 30M | 45M | 44M | 45M | 0 | 56M | 81M | 0 | 105M |
| Avg. Price | 1.09 | 1.31 | 1.41 | 1.63 | 1.79 | 1.66 | 1.68 | 1.89 | 0.00 | 2.19 | 2.59 | 0.00 | 4.49 |
| Year-End Price | 1.16 | 1.39 | 1.61 | 2.21 | 1.29 | 1.98 | 1.84 | 1.89 | 0.00 | 2.35 | 3.45 | 0.00 | 4.49 |
NEW PEOPLES BANKSHARES INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
NEW PEOPLES BANKSHARES INC trades at 10.4x trailing earnings, compared to its 15-year median P/E of 16.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 16.8x vs a median of 9.5x. The company's 5-year average ROIC is 12.0%. Total shareholder yield (dividends + buybacks) is 2.0%. At current prices, the estimated annualized return to fair value is +1.9%.
NEW PEOPLES BANKSHARES INC (NWPP) has a net profit margin of 17.3%. This is a healthy margin.
NEW PEOPLES BANKSHARES INC (NWPP) generated $11 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NEW PEOPLES BANKSHARES INC (NWPP) has a debt-to-equity ratio of 9.98. This indicates higher leverage, which may increase financial risk.
NEW PEOPLES BANKSHARES INC (NWPP) reported earnings per share (EPS) of $0.43 in its most recent fiscal year.
NEW PEOPLES BANKSHARES INC (NWPP) has a return on equity (ROE) of 13.1%. This indicates moderate shareholder returns.
NEW PEOPLES BANKSHARES INC (NWPP) has a 5-year average gross margin of -126.7%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for NEW PEOPLES BANKSHARES INC (NWPP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NEW PEOPLES BANKSHARES INC (NWPP) has a book value per share of $3.53, based on its most recent annual SEC filing.
No recent press releases.