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New Peoples BanksharesNWPP +0.22%62 OCF Margin % is 33.44% as of Mar. 2026, which is 42% above its 10-year median of 23.61. 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 1,498 Banks companies, New Peoples Bankshares ranks better than 55.34% on this metric.
* 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, New Peoples Bankshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where New Peoples Bankshares's OCF Margin % falls into.
* 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 OCF Margin % of 33.44% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on New Peoples Bankshares and its competitors. This is 42% above median its historical median of 23.61. Over the past decade, New Peoples Bankshares' OCF Margin % has ranged from 11.88 to 37.71. According to the industry distribution chart, New Peoples Bankshares ranks #669 out of 1498 companies in the Banks industry, placing it in the top 44.7%.
Is New Peoples Bankshares' OCF Margin % too high?
New Peoples Bankshares' current OCF Margin % of 33.44% is 42% above median its 10-year median of 23.61. Over the past 10 years, this metric has ranged from a low of 11.88 to a high of 37.71. The Banks industry median OCF Margin % is 29.16. New Peoples Bankshares' value of 33.44% is 14.7% above this industry median. Based on the distribution chart, New Peoples Bankshares ranks #669 out of 1498 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' OCF Margin % compare to PFBX and SFBC?
According to the Banks industry distribution chart, New Peoples Bankshares ranks #669 out of 1498 companies for OCF Margin %. This puts New Peoples Bankshares in the upper half of its industry. The industry median OCF Margin % is 29.16. New Peoples Bankshares' value of 33.44% is 14.7% above this benchmark. Historically, New Peoples Bankshares' own OCF Margin % has ranged from 11.88 to 37.71 over the past decade. While the company's 10-year median is 23.61 vs. the industry median of 29.16, New Peoples Bankshares has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. New Peoples Bankshares's current OCF Margin % of 33.44% is 14.7% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on New Peoples Bankshares and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New Peoples Bankshares's current OCF Margin % is 33.44%, which is 42% above median its own 10-year median of 23.61. 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 OCF Margin % is 33.44%, which is 42% above median its 10-year median of 23.61 and 14.7% above the Banks industry median of 29.16. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current OCF Margin % is 33.44% as of Mar. 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:
OCF Margin %: 33.44% (42% above median its 10-year median of 23.61)
GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
Industry Position: 14.7% above the Banks median (#669 of 1498)
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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