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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 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 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: 0.48  Med: 3.86 Max: No Debt
Current: 3.11
Equity to Asset 0.07
NWPP's Equity to Asset is ranked lower than
84% of the 1677 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: 0.04  Med: 0.06 Max: 0.07
Current: 0.07
0.04
0.07
Interest Coverage 0.97
NWPP's Interest Coverage is ranked lower than
64% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 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: 6
M-Score: -2.48
WACC vs ROIC
19.42%
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
88% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 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
85% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 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
68% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 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
77% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 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:NAS:CZWI, NAS:WEBK, NAS:SIBC, OTCPK:MNSB, OTCPK:HLND, OTCPK:AFCB » 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 11.92
NWPP's P/E(ttm) is ranked higher than
53% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. NWPP: 11.92 )
Ranked among companies with meaningful P/E(ttm) only.
NWPP' s P/E(ttm) Range Over the Past 10 Years
Min: 8.5  Med: 19.86 Max: 214.29
Current: 11.92
8.5
214.29
PE(NRI) 11.92
NWPP's PE(NRI) is ranked higher than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. NWPP: 11.92 )
Ranked among companies with meaningful PE(NRI) only.
NWPP' s PE(NRI) Range Over the Past 10 Years
Min: 8.5  Med: 19.86 Max: 214.29
Current: 11.92
8.5
214.29
Price/Owner Earnings (ttm) 9.66
NWPP's Price/Owner Earnings (ttm) is ranked higher than
63% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. NWPP: 9.66 )
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: 10.47 Max: 59.26
Current: 9.66
3.73
59.26
P/B 0.71
NWPP's P/B is ranked higher than
73% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. NWPP: 0.71 )
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: 0.71
0.4
1.19
P/S 1.13
NWPP's P/S is ranked higher than
88% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. NWPP: 1.13 )
Ranked among companies with meaningful P/S only.
NWPP' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.81 Max: 1.33
Current: 1.13
0.19
1.33
PFCF 7.99
NWPP's PFCF is ranked lower than
84% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. NWPP: 7.99 )
Ranked among companies with meaningful PFCF only.
NWPP' s PFCF Range Over the Past 10 Years
Min: 1.04  Med: 3.91 Max: 18.81
Current: 7.99
1.04
18.81
POCF 5.04
NWPP's POCF is ranked higher than
68% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. NWPP: 5.04 )
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: 5.04
0.89
9.76
EV-to-EBIT 3.74
NWPP's EV-to-EBIT is ranked higher than
96% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. NWPP: 3.74 )
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: 3.74
-611.6
33.7
EV-to-EBITDA 2.10
NWPP's EV-to-EBITDA is ranked higher than
98% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. NWPP: 2.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWPP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.3  Med: -4.50 Max: 56
Current: 2.1
-42.3
56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.71
NWPP's Price/Tangible Book is ranked higher than
75% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NWPP: 0.71 )
Ranked among companies with meaningful Price/Tangible Book only.
NWPP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 0.67 Max: 1.04
Current: 0.71
0.55
1.04
Price/Projected FCF 0.34
NWPP's Price/Projected FCF is ranked higher than
81% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. NWPP: 0.34 )
Ranked among companies with meaningful Price/Projected FCF only.
NWPP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.28 Max: 0.42
Current: 0.34
0.13
0.42
Price/Median PS Value 1.39
NWPP's Price/Median PS Value is ranked lower than
87% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NWPP: 1.39 )
Ranked among companies with meaningful Price/Median PS Value only.
NWPP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.42  Med: 0.88 Max: 1.47
Current: 1.39
0.42
1.47
Price/Graham Number 0.61
NWPP's Price/Graham Number is ranked higher than
69% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 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: 0.6  Med: 0.67 Max: 1.85
Current: 0.61
0.6
1.85
Earnings Yield (Greenblatt) (%) 26.67
NWPP's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. NWPP: 26.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWPP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 24.30 Max: 373.7
Current: 26.67
3
373.7

More Statistics

Revenue (TTM) (Mil) $29.19
EPS (TTM) $ 0.12
Beta1.39
Short Percentage of Float0.00%
52-Week Range $1.30 - 1.69
Shares Outstanding (Mil)23.35
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