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New Peoples BanksharesNWPP +0.22%62 Return-on-Tangible-Equity is 14.76% as of Mar. 2026, which is 65% above its 10-year median of 8.92. 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 1,522 Banks companies, New Peoples Bankshares ranks better than 69.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. New Peoples Bankshares's annualized net income for the quarter that ended in Mar. 2026 was $12.25 Mil. New Peoples Bankshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $82.99 Mil. Therefore, New Peoples Bankshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.76%.
The historical rank and industry rank for New Peoples Bankshares's Return-on-Tangible-Equity or its related term are showing as below:
NWPP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.8 Med: 8.92 Max: 14.32
Current: 14.32
During the past 13 years, New Peoples Bankshares's highest Return-on-Tangible-Equity was 14.32%. The lowest was 1.80%. And the median was 8.92%.
NWPP's Return-on-Tangible-Equity is ranked better than 69.71% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs NWPP: 14.32
New Peoples Bankshares (OTCPK:NWPP) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
New Peoples Bankshares Return-on-Tangible-Equity Related Terms
New Peoples Bankshares Return-on-Tangible-Equity Historical Data
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The historical data trend for New Peoples Bankshares's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
NWPP vs PFBX, SFBC, TYBT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, New Peoples Bankshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, New Peoples Bankshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where New Peoples Bankshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.76% mean?
New Peoples Bankshares (NWPP) has a Return-on-Tangible-Equity of 14.76% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on New Peoples Bankshares and its competitors. This is 65% above median its historical median of 8.92. Over the past decade, New Peoples Bankshares' Return-on-Tangible-Equity has ranged from 1.80 to 14.32. According to the industry distribution chart, New Peoples Bankshares ranks #461 out of 1522 companies in the Banks industry, placing it in the top 30.3%.
Is New Peoples Bankshares' Return-on-Tangible-Equity too high?
New Peoples Bankshares' current Return-on-Tangible-Equity of 14.76% is 65% above median its 10-year median of 8.92. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 14.32. The Banks industry median Return-on-Tangible-Equity is 11.38. New Peoples Bankshares' value of 14.76% is 29.8% above this industry median. Based on the distribution chart, New Peoples Bankshares ranks #461 out of 1522 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' Return-on-Tangible-Equity compare to PFBX and SFBC?
According to the Banks industry distribution chart, New Peoples Bankshares ranks #461 out of 1522 companies for Return-on-Tangible-Equity. This puts New Peoples Bankshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. New Peoples Bankshares' value of 14.76% is 29.8% above this benchmark. Historically, New Peoples Bankshares' own Return-on-Tangible-Equity has ranged from 1.80 to 14.32 over the past decade. While the company's 10-year median is 8.92 vs. the industry median of 11.38, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. New Peoples Bankshares's current Return-on-Tangible-Equity of 14.76% is 29.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on New Peoples Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New Peoples Bankshares's current Return-on-Tangible-Equity is 14.76%, which is 65% above median its own 10-year median of 8.92. 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 Return-on-Tangible-Equity is 14.76%, which is 65% above median its 10-year median of 8.92 and 29.8% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current Return-on-Tangible-Equity is 14.76% 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:
Return-on-Tangible-Equity: 14.76% (65% above median its 10-year median of 8.92)
GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
Industry Position: 29.8% above the Banks median (#461 of 1522)
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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