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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 : 7/10

vs
industry
vs
history
Cash to Debt 13.51
NWPP's Cash to Debt is ranked higher than
67% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. NWPP: 13.51 )
Ranked among companies with meaningful Cash to Debt only.
NWPP' s 10-Year Cash to Debt Range
Min: 0.42   Max: No Debt
Current: 13.51

Equity to Asset 0.07
NWPP's Equity to Asset is ranked lower than
82% of the 1285 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 10-Year Equity to Asset Range
Min: 0.03   Max: 0.07
Current: 0.07

0.03
0.07
Interest Coverage 0.06
NWPP's Interest Coverage is ranked lower than
99% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. NWPP: 0.06 )
Ranked among companies with meaningful Interest Coverage only.
NWPP' s 10-Year Interest Coverage Range
Min: 0.06   Max: 0.99
Current: 0.06

0.06
0.99
F-Score: 4
Z-Score: 0.06
WACC vs ROIC
31.49%
22.92%
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 (%) 3.29
NWPP's Operating margin (%) is ranked lower than
91% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. NWPP: 3.29 )
Ranked among companies with meaningful Operating margin (%) only.
NWPP' s 10-Year Operating margin (%) Range
Min: -35.34   Max: 19.13
Current: 3.29

-35.34
19.13
Net-margin (%) 3.29
NWPP's Net-margin (%) is ranked lower than
90% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. NWPP: 3.29 )
Ranked among companies with meaningful Net-margin (%) only.
NWPP' s 10-Year Net-margin (%) Range
Min: -22.63   Max: 13.62
Current: 3.29

-22.63
13.62
ROE (%) 2.25
NWPP's ROE (%) is ranked lower than
86% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. NWPP: 2.25 )
Ranked among companies with meaningful ROE (%) only.
NWPP' s 10-Year ROE (%) Range
Min: -26.84   Max: 9.91
Current: 2.25

-26.84
9.91
ROA (%) 0.14
NWPP's ROA (%) is ranked lower than
89% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. NWPP: 0.14 )
Ranked among companies with meaningful ROA (%) only.
NWPP' s 10-Year ROA (%) Range
Min: -1.09   Max: 0.6
Current: 0.14

-1.09
0.6
ROC (Joel Greenblatt) (%) 3.20
NWPP's ROC (Joel Greenblatt) (%) is ranked lower than
89% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. NWPP: 3.20 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NWPP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -40.98   Max: 28.98
Current: 3.2

-40.98
28.98
Revenue Growth (3Y)(%) -38.80
NWPP's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NWPP: -38.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWPP' s 10-Year Revenue Growth (3Y)(%) Range
Min: -38.8   Max: 18.7
Current: -38.8

-38.8
18.7
EBITDA Growth (3Y)(%) -55.20
NWPP's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NWPP: -55.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWPP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -55.2   Max: 8.3
Current: -55.2

-55.2
8.3
» NWPP's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 33.70
NWPP's P/E(ttm) is ranked lower than
91% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NWPP: 33.70 )
Ranked among companies with meaningful P/E(ttm) only.
NWPP' s 10-Year P/E(ttm) Range
Min: 11.76   Max: 214.29
Current: 33.7

11.76
214.29
PE(NRI) 33.70
NWPP's PE(NRI) is ranked lower than
90% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NWPP: 33.70 )
Ranked among companies with meaningful PE(NRI) only.
NWPP' s 10-Year PE(NRI) Range
Min: 12.5   Max: 214.29
Current: 33.7

12.5
214.29
P/B 0.80
NWPP's P/B is ranked higher than
74% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NWPP: 0.80 )
Ranked among companies with meaningful P/B only.
NWPP' s 10-Year P/B Range
Min: 0.44   Max: 1.2
Current: 0.8

0.44
1.2
P/S 1.10
NWPP's P/S is ranked higher than
90% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NWPP: 1.10 )
Ranked among companies with meaningful P/S only.
NWPP' s 10-Year P/S Range
Min: 0.19   Max: 1.26
Current: 1.1

0.19
1.26
PFCF 16.10
NWPP's PFCF is ranked lower than
70% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. NWPP: 16.10 )
Ranked among companies with meaningful PFCF only.
NWPP' s 10-Year PFCF Range
Min: 1.03   Max: 18
Current: 16.1

1.03
18
POCF 9.06
NWPP's POCF is ranked higher than
52% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. NWPP: 9.06 )
Ranked among companies with meaningful POCF only.
NWPP' s 10-Year POCF Range
Min: 0.89   Max: 10
Current: 9.06

0.89
10
Days Sales Outstanding 23.09
NWPP's Days Sales Outstanding is ranked higher than
75% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. NWPP: 23.09 )
Ranked among companies with meaningful Days Sales Outstanding only.
NWPP' s 10-Year Days Sales Outstanding Range
Min: 19.67   Max: 59.74
Current: 23.09

19.67
59.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
NWPP's Price/Tangible Book is ranked higher than
78% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. NWPP: 0.80 )
Ranked among companies with meaningful Price/Tangible Book only.
NWPP' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 1.05
Current: 0.8

0.44
1.05
Price/DCF (Projected) 0.30
NWPP's Price/DCF (Projected) is ranked higher than
84% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. NWPP: 0.30 )
Ranked among companies with meaningful Price/DCF (Projected) only.
NWPP' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.37
Current: 0.3

0.15
0.37
Price/Median PS Value 1.40
NWPP's Price/Median PS Value is ranked lower than
80% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NWPP: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
NWPP' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 1.52
Current: 1.4

0.23
1.52
Price/Graham Number 1.10
NWPP's Price/Graham Number is ranked lower than
71% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NWPP: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
NWPP' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 2.39
Current: 1.1

0.6
2.39
Earnings Yield (Greenblatt) -6.20
NWPP's Earnings Yield (Greenblatt) is ranked lower than
94% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NWPP: -6.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
NWPP' s 10-Year Earnings Yield (Greenblatt) Range
Min: -6.2   Max: 51
Current: -6.2

-6.2
51

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
New Peoples Bankshares Inc is a Virginia bank holding company headquartered in Honaker, Virginia. Prior to January 1, 2009, New Peoples was a financial holding company. The Company's business is conducted mainly through New Peoples Bank, Inc., a Virginia banking corporation (the Bank). The Bank has a division doing business as New Peoples Bank Financial Services which offers investment services through its broker dealer relationship with LPL Financial Services, Inc. NPB Insurance Services, Inc. (NPB Insurance) is a subsidiary of the Bank and offers insurance services only. The Bank offers banking and related financial services. The Bank provides professionals and small and medium size businesses in its market area with responsive and technologically enabled banking services. These services include loans that are priced on a deposit relationship basis, easy access to our decision makers, and quick action necessary to meet a customer's banking needs.

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