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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 3.11
NWPP's Cash to Debt is ranked higher than
50% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. NWPP: 3.11 )
Ranked among companies with meaningful Cash to Debt only.
NWPP' s Cash to Debt Range Over the Past 10 Years
Min: 0.42  Med: 4.56 Max: No Debt
Current: 3.11
Equity to Asset 0.07
NWPP's Equity to Asset is ranked lower than
84% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NWPP: 0.07 )
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: 0.07
Current: 0.07
0.03
0.07
Interest Coverage 0.97
NWPP's Interest Coverage is ranked lower than
63% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. NWPP: 0.97 )
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: 1.39
Current: 0.97
0.06
1.39
F-Score: 5
M-Score: -3.27
WACC vs ROIC
18.72%
19.76%
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 (%) 9.44
NWPP's Operating margin (%) is ranked lower than
87% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. NWPP: 9.44 )
Ranked among companies with meaningful Operating margin (%) only.
NWPP' s Operating margin (%) Range Over the Past 10 Years
Min: -25.72  Med: 6.91 Max: 19.66
Current: 9.44
-25.72
19.66
Net-margin (%) 9.38
NWPP's Net-margin (%) is ranked lower than
84% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. NWPP: 9.38 )
Ranked among companies with meaningful Net-margin (%) only.
NWPP' s Net-margin (%) Range Over the Past 10 Years
Min: -23.64  Med: 2.82 Max: 13.62
Current: 9.38
-23.64
13.62
ROE (%) 6.02
NWPP's ROE (%) is ranked lower than
67% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. NWPP: 6.02 )
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: 6.02
-26.84
9.91
ROA (%) 0.43
NWPP's ROA (%) is ranked lower than
75% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NWPP: 0.43 )
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: 0.43
-1.09
0.6
Revenue Growth (3Y)(%) -32.40
NWPP's Revenue Growth (3Y)(%) is ranked lower than
97% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. NWPP: -32.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWPP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.4  Med: 3.35 Max: 11.1
Current: -32.4
-32.4
11.1
» 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:CBCO, NAS:VBFC, OTCBB:OTTW, NAS:BVA, OTCBB:ALMG, OTCPK:SBKK, OTCPK:WDFN, OTCPK:RIVE, OTCPK:FAIT, OTCPK:UNIB, OTCBB:FETM, AMEX:SGB, OTCPK:CBAF, OTCPK:PBCA, OTCPK:FPBK, OTCPK:AJSB, OTCPK:SABK, OTCPK:HBSI, NAS:CZFC, OTCPK:KTHN » 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) 12.50
NWPP's P/E(ttm) is ranked higher than
51% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. NWPP: 12.50 )
Ranked among companies with meaningful P/E(ttm) only.
NWPP' s P/E(ttm) Range Over the Past 10 Years
Min: 8.5  Med: 19.18 Max: 214.29
Current: 12.5
8.5
214.29
PE(NRI) 12.50
NWPP's PE(NRI) is ranked higher than
52% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. NWPP: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
NWPP' s PE(NRI) Range Over the Past 10 Years
Min: 8.5  Med: 19.18 Max: 214.29
Current: 12.5
8.5
214.29
Price/Owner Earnings (ttm) 9.93
NWPP's Price/Owner Earnings (ttm) is ranked higher than
62% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. NWPP: 9.93 )
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: 10.37 Max: 59.26
Current: 9.93
3.73
59.26
P/B 0.74
NWPP's P/B is ranked higher than
72% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NWPP: 0.74 )
Ranked among companies with meaningful P/B only.
NWPP' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 0.72 Max: 1.19
Current: 0.74
0.4
1.19
P/S 1.18
NWPP's P/S is ranked higher than
88% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. NWPP: 1.18 )
Ranked among companies with meaningful P/S only.
NWPP' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.82 Max: 1.33
Current: 1.18
0.19
1.33
PFCF 22.06
NWPP's PFCF is ranked lower than
84% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. NWPP: 22.06 )
Ranked among companies with meaningful PFCF only.
NWPP' s PFCF Range Over the Past 10 Years
Min: 1.04  Med: 3.91 Max: 22.79
Current: 22.06
1.04
22.79
POCF 5.07
NWPP's POCF is ranked higher than
66% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. NWPP: 5.07 )
Ranked among companies with meaningful POCF only.
NWPP' s POCF Range Over the Past 10 Years
Min: 0.89  Med: 3.05 Max: 9.76
Current: 5.07
0.89
9.76
EV-to-EBIT 3.02
NWPP's EV-to-EBIT is ranked higher than
96% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. NWPP: 3.02 )
Ranked among companies with meaningful EV-to-EBIT only.
NWPP' s EV-to-EBIT Range Over the Past 10 Years
Min: -611.6  Med: -6.00 Max: 33.7
Current: 3.02
-611.6
33.7
EV-to-EBITDA 1.71
NWPP's EV-to-EBITDA is ranked higher than
98% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. NWPP: 1.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWPP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.3  Med: -4.40 Max: 56
Current: 1.71
-42.3
56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.74
NWPP's Price/Tangible Book is ranked higher than
73% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. NWPP: 0.74 )
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: 1.04
Current: 0.74
0.44
1.04
Price/Projected FCF 0.38
NWPP's Price/Projected FCF is ranked higher than
76% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. NWPP: 0.38 )
Ranked among companies with meaningful Price/Projected FCF only.
NWPP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.30 Max: 0.48
Current: 0.38
0.13
0.48
Price/Median PS Value 1.46
NWPP's Price/Median PS Value is ranked lower than
88% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. NWPP: 1.46 )
Ranked among companies with meaningful Price/Median PS Value only.
NWPP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.00 Max: 1.54
Current: 1.46
0.24
1.54
Price/Graham Number 0.64
NWPP's Price/Graham Number is ranked higher than
67% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. NWPP: 0.64 )
Ranked among companies with meaningful Price/Graham Number only.
NWPP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.82 Max: 2.04
Current: 0.64
0.49
2.04
Earnings Yield (Greenblatt) (%) 33.22
NWPP's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NWPP: 33.22 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWPP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 25.80 Max: 373.7
Current: 33.22
3
373.7

More Statistics

Revenue (TTM) (Mil) $29.19
EPS (TTM) $ 0.12
Beta1.37
Short Percentage of Float0.00%
52-Week Range $1.30 - 1.69
Shares Outstanding (Mil)23.35
» More Articles for NWPP

Headlines

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