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New Peoples BanksharesNWPP +0.22%62 EV-to-FCF is 2.60 as of Aug. 01, 2026, which is 26% above its 10-year median of 2.06. GuruFocus rates NWPP with a GF Score™ of 62/100 and a GF Value™ of $3.31 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,191 Banks companies, New Peoples Bankshares ranks better than 69.52% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, New Peoples Bankshares's Enterprise Value is $35.13 Mil.
New Peoples Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $13.53 Mil. Therefore, New Peoples Bankshares's EV-to-FCF for today is 2.60.
The historical rank and industry rank for New Peoples Bankshares's EV-to-FCF or its related term are showing as below:
NWPP'
s EV-to-FCF Range Over the Past 10 Years
Min: -14.38 Med: 2.06 Max: 40.12
Current: 2.6
During the past 13 years, the highest EV-to-FCF of New Peoples Bankshares was 40.12. The lowest was -14.38. And the median was 2.06.
NWPP's EV-to-FCF is ranked better than 69.52% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs NWPP: 2.60
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
New Peoples Bankshares (OTCPK:NWPP) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
New Peoples Bankshares's PE Ratio (TTM) for today is calculated as:
New Peoples Bankshares's share price for today is $4.50.
New Peoples Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.480.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, New Peoples Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, New Peoples Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where New Peoples Bankshares's EV-to-FCF falls into.
New Peoples Bankshares's current Enterprise Value is $35.13 Mil.
New Peoples Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $13.53 Mil.
* 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 (NWPP) has a EV-to-FCF of 2.60 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on New Peoples Bankshares and its competitors. This is 26% above median its historical median of 2.06. According to the industry distribution chart, New Peoples Bankshares ranks #363 out of 1191 companies in the Banks industry, placing it in the top 30.5%.
Is New Peoples Bankshares' EV-to-FCF too high?
New Peoples Bankshares' current EV-to-FCF of 2.60 is 26% above median its 10-year median of 2.06. The Banks industry median EV-to-FCF is 7.15. New Peoples Bankshares' value of 2.60 is 63.6% below this industry median. Based on the distribution chart, New Peoples Bankshares ranks #363 out of 1191 companies in the Banks industry, which is above the industry midpoint. Overall, New Peoples Bankshares has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does New Peoples Bankshares' EV-to-FCF compare to PFBX and SFBC?
According to the Banks industry distribution chart, New Peoples Bankshares ranks #363 out of 1191 companies for EV-to-FCF. This puts New Peoples Bankshares in the upper half of its industry. The industry median EV-to-FCF is 7.15. New Peoples Bankshares' value of 2.60 is 63.6% below this benchmark. While the company's 10-year median is 2.06 vs. the industry median of 7.15, New Peoples Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. New Peoples Bankshares's current EV-to-FCF of 2.60 is 63.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on New Peoples Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New Peoples Bankshares's current EV-to-FCF is 2.60, which is 26% above median its own 10-year median of 2.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is New Peoples Bankshares stock overvalued right now?
Based on GuruFocus' analysis, New Peoples Bankshares (NWPP) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.31, compared to a current price of $4.50 — trading 36% above its estimated fair value. The current EV-to-FCF is 2.60, which is 26% above median its 10-year median of 2.06 and 63.6% below the Banks industry median of 7.15. New Peoples Bankshares' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current EV-to-FCF is 2.60 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 $4.50 is trading 36% above its estimated GF Value™ of $3.31.
GuruFocus considers New Peoples Bankshares to be Significantly Overvalued.
Key valuation signals for NWPP:
EV-to-FCF: 2.60 (26% above median its 10-year median of 2.06)
GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
Industry Position: 63.6% below the Banks median (#363 of 1191)
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 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.
62GF Score
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