NWPP (New Peoples Bankshares) Scaled Net Operating Assets: -0.06 (As of Mar. 2026)

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NWPP New Peoples Bankshares Inc NWPP
62 GF Score
Price $4.50
GF Value $3.31
Valuation Significantly Overvalued
! 5 Warning Signs
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What is New Peoples Bankshares Scaled Net Operating Assets?

New Peoples Bankshares NWPP +0.22% 62 Scaled Net Operating Assets is -0.06 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

New Peoples Bankshares's operating assets for the quarter that ended in Mar. 2026 was $781.77 Mil. New Peoples Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was $834.59 Mil. New Peoples Bankshares's Total Assets for the quarter that ended in Dec. 2025 was $909.70 Mil. Therefore, New Peoples Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

NWPP
62GF Score
New Peoples Bankshares Inc NWPP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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New Peoples Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

New Peoples Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(832.742-804.861)/854.925
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=909.7 - 76.958
=832.742

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=826.845 - 21.984 - 0
=804.861

New Peoples Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(781.772-834.587)/909.7
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=939.569 - 157.797
=781.772

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=856.452 - 21.865 - 0
=834.587

* 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.

What does a Scaled Net Operating Assets of -0.06 mean?
New Peoples Bankshares (NWPP) has a Scaled Net Operating Assets of -0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on New Peoples Bankshares and its competitors.
Is New Peoples Bankshares' Scaled Net Operating Assets too high?
New Peoples Bankshares' current Scaled Net Operating Assets is -0.06. 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' Scaled Net Operating Assets compare to PFBX and SFBC?
New Peoples Bankshares' Scaled Net Operating Assets of -0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on New Peoples Bankshares and its competitors. New Peoples Bankshares's current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current Scaled Net Operating Assets is -0.06 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:

  • Scaled Net Operating Assets: -0.06
  • GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
  • GF Score™: 62/100 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.
62GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.50
Price
$3.31
GF Value