NWPP (New Peoples Bankshares) Cyclically Adjusted PS Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NWPP New Peoples Bankshares Inc NWPP
58 GF Score
Price $4.90
GF Value $3.49
Valuation Significantly Overvalued
! 5 Warning Signs
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What is New Peoples Bankshares Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


New Peoples Bankshares  (OTCPK:NWPP) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


New Peoples Bankshares Cyclically Adjusted PS Ratio Related Terms


New Peoples Bankshares Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for New Peoples Bankshares's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

New Peoples Bankshares Cyclically Adjusted PS Ratio Chart

New Peoples Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.18 1.42 1.46 2.10 2.04

New Peoples Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.73 1.96 2.03 2.25 2.34

NWPP vs BNCC, BYLB, BORT: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, New Peoples Bankshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


New Peoples Bankshares Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, New Peoples Bankshares's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where New Peoples Bankshares's Cyclically Adjusted PS Ratio falls into.


NWPP
58GF Score
New Peoples Bankshares Inc NWPP
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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New Peoples Bankshares Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

New Peoples Bankshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, New Peoples Bankshares's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.507/333.9520*333.9520
=0.507

Current CPI (Jun. 2026) = 333.9520.

New Peoples Bankshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 0.321 241.428 0.444
201612 0.323 241.432 0.447
201703 0.303 243.801 0.415
201706 0.437 244.955 0.596
201709 0.325 246.819 0.440
201712 0.324 246.524 0.439
201803 0.327 249.554 0.438
201806 0.328 251.989 0.435
201809 0.332 252.439 0.439
201812 0.272 251.233 0.362
201903 0.329 254.202 0.432
201906 0.345 256.143 0.450
201909 0.385 256.759 0.501
201912 0.373 256.974 0.485
202003 0.347 258.115 0.449
202006 0.325 257.797 0.421
202009 0.357 260.280 0.458
202012 0.363 260.474 0.465
202103 0.357 264.877 0.450
202106 0.377 271.696 0.463
202109 0.434 274.310 0.528
202112 0.383 278.802 0.459
202203 0.376 287.504 0.437
202206 0.384 296.311 0.433
202209 0.393 296.808 0.442
202212 0.415 296.797 0.467
202303 0.391 301.836 0.433
202306 0.394 305.109 0.431
202309 0.398 307.789 0.432
202312 0.401 306.746 0.437
202403 0.391 312.332 0.418
202406 0.400 314.175 0.425
202409 0.406 315.301 0.430
202412 0.481 315.605 0.509
202503 0.424 319.799 0.443
202506 0.451 322.561 0.467
202509 0.472 324.800 0.485
202512 0.478 324.054 0.493
202603 0.486 330.213 0.492
202606 0.507 333.952 0.507

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is New Peoples Bankshares (NWPP) Overvalued in 2026?

Based on GuruFocus' analysis, New Peoples Bankshares stock appears to be overvalued. The current stock price of $4.90 is trading 40.4% above its estimated GF Value™ of $3.49. GuruFocus considers New Peoples Bankshares to be Significantly Overvalued.

Key valuation signals for NWPP:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $3.49 vs. price of $4.90 (40.4% above fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the NWPP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


New Peoples Bankshares Business Description

Address 67 Commerce Drive, Honaker, VA, USA, 24260
New Peoples Bankshares Inc is a bank holding company for New Peoples Bank. The Bank offers a range of banking & related financial services focused on serving individuals, small to medium-sized businesses, and the professional community. Its main banking services include personal banking, business banking, and financial services. These services include commercial and consumer loans, along with traditional deposit products such as checking and savings accounts. Its banking products comprise checking, savings, deposit accounts, commercial loans, consumer loans, and real estate loans. The Company's revenue is derived from the business of banking.
58GF Score

Get the complete analysis for NWPP

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.90
Price
$3.49
GF Value