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New Peoples BanksharesNWPP +0.22%62 5-Year Yield-on-Cost % is 2.00 as of Aug. 01, 2026, which is 17% below its 10-year median of 2.40. 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 1,251 Banks companies, New Peoples Bankshares ranks worse than 81.69% on this metric.
New Peoples Bankshares's yield on cost for the quarter that ended in Mar. 2026 was 2.00.
The historical rank and industry rank for New Peoples Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
NWPP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.86 Med: 2.4 Max: 2.93
Current: 2
During the past 13 years, New Peoples Bankshares's highest Yield on Cost was 2.93. The lowest was 1.86. And the median was 2.40.
NWPP's 5-Year Yield-on-Cost % is ranked worse than 81.69% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs NWPP: 2.00
New Peoples Bankshares (OTCPK:NWPP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
New Peoples Bankshares 5-Year Yield-on-Cost % Related Terms
NWPP vs PFBX, SFBC, TYBT: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, New Peoples Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, New Peoples Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where New Peoples Bankshares's 5-Year Yield-on-Cost % falls into.
New Peoples Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
New Peoples Bankshares (NWPP) has a 5-Year Yield-on-Cost % of 2.00 as of Aug. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on New Peoples Bankshares and its competitors. This is 17% below median its historical median of 2.40. Over the past decade, New Peoples Bankshares' 5-Year Yield-on-Cost % has ranged from 1.86 to 2.93. According to the industry distribution chart, New Peoples Bankshares ranks #1022 out of 1251 companies in the Banks industry, placing it in the top 81.7%.
Is New Peoples Bankshares' 5-Year Yield-on-Cost % too high?
New Peoples Bankshares' current 5-Year Yield-on-Cost % of 2.00 is 17% below median its 10-year median of 2.40. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 2.93. The Banks industry median 5-Year Yield-on-Cost % is 3.84. New Peoples Bankshares' value of 2.00 is 47.9% below this industry median. Based on the distribution chart, New Peoples Bankshares ranks #1022 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to PFBX and SFBC?
According to the Banks industry distribution chart, New Peoples Bankshares ranks #1022 out of 1251 companies for 5-Year Yield-on-Cost %. This places New Peoples Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. New Peoples Bankshares' value of 2.00 is 47.9% below this benchmark. Historically, New Peoples Bankshares' own 5-Year Yield-on-Cost % has ranged from 1.86 to 2.93 over the past decade. While the company's 10-year median is 2.40 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. New Peoples Bankshares's current 5-Year Yield-on-Cost % of 2.00 is 47.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on New Peoples Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New Peoples Bankshares's current 5-Year Yield-on-Cost % is 2.00, which is 17% below median its own 10-year median of 2.40. 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 5-Year Yield-on-Cost % is 2.00, which is 17% below median its 10-year median of 2.40 and 47.9% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For New Peoples Bankshares (NWPP), the current 5-Year Yield-on-Cost % is 2.00 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:
5-Year Yield-on-Cost %: 2.00 (17% below median its 10-year median of 2.40)
GF Value™: $3.31 vs. price of $4.50 (36% above fair value)
Industry Position: 47.9% below the Banks median (#1022 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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