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New Peoples BanksharesNWPP +0.22%62 Pretax Margin % is 34.95% as of Mar. 2026, which is 91% above its 10-year median of 18.29. 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 1,526 Banks companies, New Peoples Bankshares ranks worse than 55.64% on this metric.
New Peoples Bankshares (OTCPK:NWPP) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
New Peoples Bankshares Pretax Margin % Related Terms
New Peoples Bankshares Pretax Margin % Historical Data
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The historical data trend for New Peoples Bankshares's Pretax Margin % 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.
NWPP vs PFBX, SFBC, TYBT: Pretax Margin % Comparison
For the Banks - Regional subindustry, New Peoples Bankshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, New Peoples Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where New Peoples Bankshares's Pretax 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 Pretax Margin % of 34.95% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on New Peoples Bankshares and its competitors. This is 91% above median its historical median of 18.29. Over the past decade, New Peoples Bankshares' Pretax Margin % has ranged from 3.27 to 33.31. According to the industry distribution chart, New Peoples Bankshares ranks #849 out of 1526 companies in the Banks industry, placing it in the top 55.6%.
Is New Peoples Bankshares' Pretax Margin % too high?
New Peoples Bankshares' current Pretax Margin % of 34.95% is 91% above median its 10-year median of 18.29. Over the past 10 years, this metric has ranged from a low of 3.27 to a high of 33.31. The Banks industry median Pretax Margin % is 35.36. New Peoples Bankshares' value of 34.95% is 1.2% below this industry median. Based on the distribution chart, New Peoples Bankshares ranks #849 out of 1526 companies in the Banks industry, which is below 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' Pretax Margin % compare to PFBX and SFBC?
According to the Banks industry distribution chart, New Peoples Bankshares ranks #849 out of 1526 companies for Pretax Margin %. This places New Peoples Bankshares in the lower half of its industry. The industry median Pretax Margin % is 35.36. New Peoples Bankshares' value of 34.95% is 1.2% below this benchmark. Historically, New Peoples Bankshares' own Pretax Margin % has ranged from 3.27 to 33.31 over the past decade. While the company's 10-year median is 18.29 vs. the industry median of 35.36, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.36, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. New Peoples Bankshares's current Pretax Margin % of 34.95% is 1.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on New Peoples Bankshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New Peoples Bankshares's current Pretax Margin % is 34.95%, which is 91% above median its own 10-year median of 18.29. 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 Pretax Margin % is 34.95%, which is 91% above median its 10-year median of 18.29 and 1.2% below the Banks industry median of 35.36. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current Pretax Margin % is 34.95% 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:
Pretax Margin %: 34.95% (91% above median its 10-year median of 18.29)
GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
Industry Position: 1.2% below the Banks median (#849 of 1526)
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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