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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.44
NWPP's Cash to Debt is ranked higher than
57% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NWPP: 3.44 )
Ranked among companies with meaningful Cash to Debt only.
NWPP' s Cash to Debt Range Over the Past 10 Years
Min: 0.42  Med: 4.24 Max: No Debt
Current: 3.44
Equity to Asset 0.08
NWPP's Equity to Asset is ranked lower than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NWPP: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NWPP' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 0.08
Current: 0.08
0.03
0.08
Interest Coverage 1.20
NWPP's Interest Coverage is ranked lower than
59% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NWPP: 1.20 )
Ranked among companies with meaningful Interest Coverage only.
NWPP' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.29 Max: 1.2
Current: 1.2
0.06
1.2
F-Score: 5
M-Score: -3.02
WACC vs ROIC
13.25%
15.91%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 10.87
NWPP's Operating margin (%) is ranked lower than
85% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NWPP: 10.87 )
Ranked among companies with meaningful Operating margin (%) only.
NWPP' s Operating margin (%) Range Over the Past 10 Years
Min: -35.34  Med: 6.91 Max: 19.13
Current: 10.87
-35.34
19.13
Net-margin (%) 10.82
NWPP's Net-margin (%) is ranked lower than
81% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NWPP: 10.82 )
Ranked among companies with meaningful Net-margin (%) only.
NWPP' s Net-margin (%) Range Over the Past 10 Years
Min: -22.63  Med: 2.82 Max: 13.62
Current: 10.82
-22.63
13.62
ROE (%) 6.81
NWPP's ROE (%) is ranked lower than
62% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NWPP: 6.81 )
Ranked among companies with meaningful ROE (%) only.
NWPP' s ROE (%) Range Over the Past 10 Years
Min: -26.84  Med: 2.15 Max: 9.91
Current: 6.81
-26.84
9.91
ROA (%) 0.50
NWPP's ROA (%) is ranked lower than
72% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NWPP: 0.50 )
Ranked among companies with meaningful ROA (%) only.
NWPP' s ROA (%) Range Over the Past 10 Years
Min: -1.09  Med: 0.13 Max: 0.6
Current: 0.5
-1.09
0.6
Revenue Growth (3Y)(%) -24.50
NWPP's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NWPP: -24.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWPP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.8  Med: -0.6 Max: 18.7
Current: -24.5
-38.8
18.7
» NWPP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:SRYB, OTCPK:WDFN, NAS:BVA, OTCPK:RIVE, OTCBB:FETM, OTCPK:FPBK, OTCPK:PBCA, OTCBB:ALMG, OTCPK:CBAF, OTCPK:SBKK, NAS:MELR, OTCPK:HBSI, OTCPK:BRBS, NAS:VBFC, OTCPK:UWHR, OTCBB:OTTW, OTCPK:KTHN, NAS:CZFC, AMEX:SGB, OTCPK:HLND » details
New Peoples Bankshares Inc is a Virginia bank holding company. The Company operates through New Peoples Bank, Inc., a Virginia banking corporation providing banking & related financial services serving to individuals, SMEs and professional community.

New Peoples Bankshares, Inc. was incorporated on December 9, 1997 and began operations on October 28, 1998. In June 2003, New Peoples formed two new wholly-owned subsidiaries, NPB Financial Services, Inc. and NPB Web Services, Inc. , a web design and hosting company. The Bank offers a range of banking and related financial services focused primarily on serving individuals, small to medium size businesses, and the professional community. These services include loans that are priced on a deposit relationship basis, easy access to decision makers, and quick action necessary to meet a customer's banking needs. Bank accept deposits, make consumer and commercial loans, issue drafts, and provide other services customarily offered by a commercial bank, such as business and personal checking and savings accounts, walk-up tellers, drive-in windows, and 24-hour automated teller machines. It's provides 7 services. Commercial Loans: It offers a full range of short-to-medium term commercial, 1-4 family residential mortgages and personal loans. It offers commercial loans to qualified businesses in market area. Banks commercial lending consists primarily of commercial and industrial loans to finance accounts receivable, inventory, property, plant and equipment. Residential Mortgage Loans: Bank's residential mortgage loans consist of residential first and second mortgage loans, residential construction loans, home equity lines of credit and term loans secured by first and second mortgages on the residences of borrowers for home improvements, education and other personal expenditures. It makes mortgage loans with a variety of terms, including fixed and floating or variable rates and a variety of maturities. Construction Loans: To minimize the risks associated with construction lending, loan-to-value limitations for residential, multi-family and non-residential construction loans are in place. Management feels that the loan-to-value ratios help to minimize the risk of loss and to compensate for normal fluctuations in the real estate market. Maturities for construction loans generally range from 4 to 12 months for residential property and from 6 to 18 months for non-residential and multi-family properties. Consumer loans: Banks consumer loans consist primarily of installment loans to individuals for personal, family and household purposes. The specific types of consumer loans that it makes includes home improvement loans, debt consolidation loans and general consumer lending. Deposits: The bank offer a variety of deposit products for both individual and business customers. These include demand deposit, interest-bearing demand deposit, savings deposit, and money market deposit accounts. In addition, bank offer certificates of deposit with terms ranging from 7 days to 60 months and individual retirement accounts with terms ranging from 12 months to 60 months. Investment Services: The bank offer a variety of investment services for both individual and

Ratios

vs
industry
vs
history
P/E(ttm) 11.07
NWPP's P/E(ttm) is ranked higher than
62% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. NWPP: 11.07 )
Ranked among companies with meaningful P/E(ttm) only.
NWPP' s P/E(ttm) Range Over the Past 10 Years
Min: 7.14  Med: 14.15 Max: 150
Current: 11.07
7.14
150
PE(NRI) 11.07
NWPP's PE(NRI) is ranked higher than
62% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. NWPP: 11.07 )
Ranked among companies with meaningful PE(NRI) only.
NWPP' s PE(NRI) Range Over the Past 10 Years
Min: 7.14  Med: 14.15 Max: 150
Current: 11.07
7.14
150
Price/Owner Earnings (ttm) 15.66
NWPP's Price/Owner Earnings (ttm) is ranked lower than
64% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. NWPP: 15.66 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NWPP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.73  Med: 13.33 Max: 59.26
Current: 15.66
3.73
59.26
P/B 0.75
NWPP's P/B is ranked higher than
73% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. NWPP: 0.75 )
Ranked among companies with meaningful P/B only.
NWPP' s P/B Range Over the Past 10 Years
Min: 0.44  Med: 0.72 Max: 1.19
Current: 0.75
0.44
1.19
P/S 1.23
NWPP's P/S is ranked higher than
87% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. NWPP: 1.23 )
Ranked among companies with meaningful P/S only.
NWPP' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.96 Max: 1.33
Current: 1.23
0.19
1.33
POCF 8.12
NWPP's POCF is ranked higher than
56% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. NWPP: 8.12 )
Ranked among companies with meaningful POCF only.
NWPP' s POCF Range Over the Past 10 Years
Min: 0.89  Med: 4.75 Max: 9.76
Current: 8.12
0.89
9.76
EV-to-EBIT 4.20
NWPP's EV-to-EBIT is ranked higher than
85% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. NWPP: 4.20 )
Ranked among companies with meaningful EV-to-EBIT only.
NWPP' s EV-to-EBIT Range Over the Past 10 Years
Min: -611.6  Med: -15.1 Max: 33.7
Current: 4.2
-611.6
33.7
EV-to-EBITDA 2.47
NWPP's EV-to-EBITDA is ranked higher than
91% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. NWPP: 2.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWPP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.3  Med: -4.8 Max: 3.2
Current: 2.47
-42.3
3.2

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -2.20
NWPP's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NWPP: -2.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NWPP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -31.7  Med: -5.8 Max: 1.2
Current: -2.2
-31.7
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.75
NWPP's Price/Tangible Book is ranked higher than
74% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NWPP: 0.75 )
Ranked among companies with meaningful Price/Tangible Book only.
NWPP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.44  Med: 0.71 Max: 0.83
Current: 0.75
0.44
0.83
Price/Projected FCF 0.42
NWPP's Price/Projected FCF is ranked higher than
78% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. NWPP: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
NWPP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.3 Max: 0.42
Current: 0.42
0.14
0.42
Price/Median PS Value 1.28
NWPP's Price/Median PS Value is ranked lower than
77% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NWPP: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
NWPP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.2  Med: 0.88 Max: 1.3
Current: 1.28
0.2
1.3
Price/Graham Number 0.61
NWPP's Price/Graham Number is ranked higher than
71% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. NWPP: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
NWPP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.66 Max: 1.94
Current: 0.61
0.5
1.94
Earnings Yield (Greenblatt) (%) 23.80
NWPP's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. NWPP: 23.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWPP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 26.1 Max: 373.7
Current: 23.8
3
373.7

More Statistics

Revenue (TTM) (Mil) $29.20
EPS (TTM) $ 0.14
Beta0.59
Short Percentage of Float0.00%
52-Week Range $1.30 - 1.69
Shares Outstanding (Mil)23.35
» More Articles for NWPP

Headlines

Articles On GuruFocus.com
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NEW PEOPLES BANKSHARES INC Financials Aug 24 2016
New Peoples Bankshares, Inc. :NWPP-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16, 2016 Aug 16 2016
NEW PEOPLES BANKSHARES INC Files SEC form 10-Q, Quarterly Report Aug 15 2016
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NEW PEOPLES BANKSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 22 2016
New Peoples Bankshares, Inc. :NWPP-US: Earnings Analysis: Q1, 2016 By the Numbers : June 1, 2016 Jun 01 2016
NEW PEOPLES BANKSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 19 2016
NEW PEOPLES BANKSHARES INC Files SEC form 10-Q, Quarterly Report May 16 2016
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New Peoples Bankshares, Inc.: Strong price momentum but may lack support from fundamentals? Apr 01 2016
New Peoples Bankshares, Inc. :NWPP-US: Earnings Analysis: 2015 By the Numbers Mar 28 2016
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NEW PEOPLES BANKSHARES INC Files SEC form 10-K, Annual Report Mar 01 2016
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NEW PEOPLES BANKSHARES INC Files SEC form 8-K, Other Events Sep 01 2015

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