NWPP · NEW PEOPLES BANKSHARES INC
New Peoples Bankshares, Inc. operates as a financial holding company for New Peoples Bank, Inc. that provides general banking services to the individuals, small to medium-sized businesses, and professional community in the United States. It offers demand deposit, interest-bearing demand deposit, savings deposit, checking money market, health savings, and individual retirement deposit accounts, as well as certificates of deposit. It also provides short-term commercial, medium-term commercial, longer-term commercial, 1-4 family residential, personal, secured commercial, agriculture, personal, mortgage, home equity line of credit, unsecured commercial, working capital, business expansion, equipment and machinery, secured consumer, unsecured consumer, automobile, home improvement, education, and personal investment loans. It provides investment services, which include fixed income products, variable annuities, mutual funds, indexed certificates of deposit, individual retirement accounts, long term care insurance, employee group benefit plans, college savings plans, financial planning, managed money accounts, and estate planning. It offers safe deposit boxes, cashier's checks, cash management services, direct deposit of payroll and social security checks, and automatic drafts; automated teller machines (ATMs); debit and credit cards; electronic banking services, such as internet banking, telephone and mobile banking, remote deposit capture, merchant transaction processing, and wire transfer services; and operates walk-up tellers and drive-in windows. It also offers treasury management and merchant services. The company was founded in 1997 and is headquartered in Honaker, Virginia.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $4.34 |
| SO | 23.6M |
| Options | 0.2M |
| Warrants | 0.9M |
| FD SO | 24.6M |
| MC | $106.9M |
| Cash | $92.9M |
| Total debt | $6.3M ⚠ |
| EV | $20.3M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 0.3x |
| EV / EBITDA | — |
| MC / Net Income | 9.5x |
| EV / FCF | — |
| MC / FCF | — |
| Ownership & coverage | |
|---|---|
| Institutional | 0.0% |
| Insiders | 62.8% |
| # Institutions | 0 |
| Analysts | 0 |
| Consensus | — |
| Avg target | — |
| Short % float | — |
| Days to cover | — |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-11. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-07-13 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest shown as "—" when unreported or older than 60 days.
Debt figure uncertain — deposit-funded financial institution — debt/EV not a meaningful metric. Verify against the filing before relying on EV.
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 15.23 | 15.23 | 15.11 | 14.39 |
| Revenue YoY % | 10.6% | (1.3%) | 8.1% | 6.3% |
| SG&A | 7.23 | 7.25 | 7.38 | 7.21 |
| Interest Expense | 0.25 | 0.28 | 0.30 | 0.29 |
| Pretax Income | 3.97 | 3.80 | 3.57 | 3.28 |
| Tax Provision | 0.91 | 0.90 | 0.81 | 0.75 |
| Net Income | 3.06 | 2.90 | 2.76 | 2.53 |
| Net Margin % | 20.1% | 19.0% | 18.3% | 17.6% |
| Diluted EPS | $0.13 | $0.13 | $0.12 | $0.11 |
| Basic EPS | $0.13 | $0.13 | $0.12 | $0.11 |
| Diluted Avg Shares | 23.6 | — | 23.6 | 23.6 |
| Basic Avg Shares | 23.6 | — | 23.6 | 23.6 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 59.96 | 58.50 | 55.89 | 47.08 | 40.63 |
| Revenue YoY % | 2.5% | 4.7% | 18.7% | 15.9% | — |
| Gross Profit | — | — | — | 28.02 | 28.29 |
| Gross Profit YoY % | — | — | — | (0.9%) | — |
| Gross Margin % | — | — | — | 59.5% | 69.6% |
| SG&A | 29.08 | 29.11 | 28.80 | 27.99 | 26.52 |
| Interest Expense | 1.11 | 1.16 | 1.97 | 9.12 | 3.10 |
| Pretax Income | 14.63 | 13.14 | 10.35 | 9.33 | 10.38 |
| Tax Provision | 3.38 | 3.05 | 2.15 | 2.15 | 2.30 |
| Net Income | 11.25 | 10.10 | 8.20 | 7.18 | 8.08 |
| Net Margin % | 18.8% | 17.3% | 14.7% | 15.3% | 19.9% |
| Diluted EPS | $0.49 | $0.43 | $0.35 | $0.30 | — |
| Basic EPS | $0.49 | $0.43 | $0.35 | $0.30 | — |
| Diluted Avg Shares | 23.6 | 23.6 | 23.7 | 23.8 | 23,898.2 |
| Basic Avg Shares | 23.6 | 23.6 | 23.7 | 23.8 | — |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 92.89 | 77.21 | 80.71 | 72.16 |
| Net PPE | 16.12 | 16.40 | 16.69 | 16.90 |
| Operating Lease ROU | 2.88 | 3.00 | 3.12 | 3.23 |
| Other Assets | 827.67 | 813.09 | 810.21 | 800.64 |
| Total Assets | 939.57 | 909.70 | 910.72 | 892.93 |
| Other Liabilities | 856.45 | 826.85 | 831.20 | 818.09 |
| Total Liabilities | 856.45 | 826.85 | 831.20 | 818.09 |
| Retained Earnings | 30.15 | 29.21 | 26.31 | 23.55 |
| Total Equity | 83.12 | 82.86 | 79.53 | 74.84 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 92.89 | 77.21 | 67.67 | 64.98 | 61.69 |
| Net PPE | 16.12 | 16.40 | 17.07 | 17.84 | 19.29 |
| Operating Lease ROU | 2.88 | 3.00 | 3.41 | 3.85 | 0.83 |
| Other Assets | 827.67 | 813.09 | 766.77 | 739.64 | 693.55 |
| Total Assets | 939.57 | 909.70 | 854.92 | 826.31 | 775.36 |
| Other Liabilities | 856.45 | 826.85 | 784.18 | 761.50 | 718.14 |
| Total Liabilities | 856.45 | 826.85 | 784.18 | 761.50 | 718.14 |
| Retained Earnings | 30.15 | 29.21 | 21.00 | 14.46 | 8.92 |
| Total Equity | 83.12 | 82.86 | 70.74 | 64.81 | 57.22 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | 3.06 | 2.90 | 2.76 | 2.53 |
| D&A | 0.31 | 0.36 | 0.38 | 0.37 |
| Δ Working Cap & Other | 0.43 | (0.49) | 1.55 | (0.09) |
| Operating Cash Flow | 3.80 | 2.77 | 4.69 | 2.81 |
| Other Investing | (15.35) | (2.13) | (8.53) | (23.96) |
| Investing Cash Flow | (15.35) | (2.13) | (8.53) | (23.96) |
| Stock Buyback | (0.04) | (0.03) | (0.07) | (0.04) |
| Other Financing | 27.27 | (4.11) | 12.47 | 7.06 |
| Financing Cash Flow | 27.23 | (4.14) | 12.39 | 7.02 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 11.25 | 10.10 | 8.20 | 7.18 | 8.08 |
| D&A | 1.42 | 1.48 | 1.57 | 1.61 | 1.74 |
| Δ Working Cap & Other | 1.41 | 0.72 | (1.43) | (1.40) | 4.01 |
| Operating Cash Flow | 14.08 | 12.30 | 8.34 | 7.40 | 13.83 |
| CapEx | — | (0.81) | (1.79) | (1.48) | (0.55) |
| Other Investing | (49.96) | (42.13) | (24.23) | (44.42) | 3.63 |
| Investing Cash Flow | (49.96) | (42.95) | (26.02) | (45.89) | 3.08 |
| Debt Issuance | — | — | — | 9.69 | — |
| Stock Buyback | (0.18) | (0.21) | (0.28) | (0.24) | (0.17) |
| Other Financing | 42.68 | 40.40 | 20.65 | 32.33 | (16.00) |
| Financing Cash Flow | 42.50 | 40.18 | 20.37 | 41.78 | (16.17) |
| Free Cash Flow | — | 11.49 | 6.55 | 5.93 | 13.28 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 10.30 | 9.98 | 10.45 | 10.93 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | 3.7% | 3.5% | 3.5% | 3.4% |
| ROA % | 0.3% | 0.3% | 0.3% | 0.3% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 10.30 | 9.98 | 11.09 | 11.75 | 12.55 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | 13.5% | 12.2% | 11.6% | 11.1% | 14.1% |
| ROA % | 1.2% | 1.1% | 1.0% | 0.9% | 1.0% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-06-16 | KEENE HAROLD L | Director, 10% Owner | 2026-06-15 | P | 16,514 | $4.39 | $72,496 |
| 2026-06-16 | KEENE HAROLD L | Director, 10% Owner | 2026-06-12 | S | (1,500) | $4.30 | -$6,450 |
| 2026-06-16 | KEENE HAROLD L | Director, 10% Owner | 2026-06-12 | P | 5,000 | $4.40 | $22,000 |
| 2026-06-08 | White Blaine Scott | Director, 10% Owner | 2026-06-04 | P | 5,000 | $4.34 | $21,710 |
| 2026-05-01 | COX JOHN D | Director | 2026-04-30 | P | 8,570 | $3.88 | $33,252 |
| 2026-03-05 | COX JOHN D | Director | 2026-03-03 | P | 4,234 | $4.16 | $17,613 |
| 2026-03-05 | White Blaine Scott | Director, 10% Owner | 2026-03-03 | P | 4,233 | $4.16 | $17,609 |
| 2026-02-17 | White Blaine Scott | Director, 10% Owner | 2026-02-13 | P | 11,725 | $3.84 | $45,001 |
| 2026-02-17 | COX JOHN D | Director | 2026-02-13 | P | 11,724 | $3.84 | $44,997 |
| 2025-12-16 | COX JOHN D | Director | 2025-11-26 | P | 3,095 | $3.20 | $9,904 |
| 2025-12-11 | KEENE HAROLD L | Director, 10% Owner | 2025-12-11 | P | 57,060 | $3.65 | $208,269 |
| 2025-12-11 | White Blaine Scott | Director, 10% Owner | 2025-12-10 | P | 101,500 | $3.65 | $370,475 |
| 2025-11-26 | KEENE HAROLD L | Director, 10% Owner | 2025-11-25 | P | 4,528 | $3.40 | $15,395 |
| 2025-11-26 | KEENE HAROLD L | Director, 10% Owner | 2025-11-21 | P | 472 | $3.40 | $1,605 |
| 2025-11-10 | KEENE HAROLD L | Director, 10% Owner | 2025-11-06 | P | 5,000 | $3.40 | $17,000 |
| 2025-11-10 | White Blaine Scott | Director, 10% Owner | 2025-11-06 | P | 16,000 | $3.43 | $54,880 |
| 2025-09-04 | White Blaine Scott | Director, 10% Owner | 2025-09-03 | P | 78,637 | $3.21 | $252,425 |
| 2025-09-04 | COX JOHN D | Director | 2025-09-03 | P | 62,305 | $3.21 | $199,999 |
| 2025-09-04 | COX JOHN D | Director | 2025-09-02 | P | 5,720 | $3.18 | $18,190 |
| 2025-08-20 | KEENE HAROLD L | Director, 10% Owner | 2025-08-18 | P | 100 | $3.15 | $315 |
| 2025-08-19 | COX JOHN D | Director | 2025-08-15 | P | 3,300 | $3.08 | $10,164 |
| 2025-06-17 | COX JOHN D | Director | 2025-06-16 | P | 7,789 | $3.08 | $23,990 |
| 2025-06-16 | KEENE HAROLD L | Director, 10% Owner | 2025-06-12 | P | 100 | $3.05 | $305 |
| 2025-06-12 | COX JOHN D | Director | 2025-06-10 | P | 4,154 | $3.08 | $12,794 |
| 2025-05-30 | KEENE HAROLD L | Director, 10% Owner | 2025-05-28 | P | 4,300 | $3.05 | $13,115 |
| 2025-05-29 | White Blaine Scott | Director, 10% Owner | 2025-05-28 | P | 3,003 | $3.10 | $9,309 |
| 2025-05-29 | White Blaine Scott | Director, 10% Owner | 2025-05-28 | P | 3,003 | $3.10 | $9,309 |
| 2025-05-29 | White Blaine Scott | Director, 10% Owner | 2025-05-28 | P | 3,003 | $3.10 | $9,309 |
| 2025-05-29 | White Blaine Scott | Director, 10% Owner | 2025-05-28 | P | 3,003 | $3.10 | $9,309 |
| 2025-05-22 | KEENE HAROLD L | Director | 2025-05-20 | P | 5,000 | $3.18 | $15,900 |
| 2025-05-22 | KEENE HAROLD L | Director | 2025-05-20 | P | 5,000 | $3.17 | $15,872 |
| 2025-05-01 | White Blaine Scott | Director, 10% Owner | 2025-04-30 | P | 7,500 | $2.93 | $21,975 |
| 2025-05-01 | COX JOHN D | Director | 2025-04-30 | P | 7,500 | $2.93 | $21,975 |
| 2025-03-17 | COX JOHN D | Director | 2025-03-17 | P | 1,957 | $2.95 | $5,773 |
| 2025-03-17 | White Blaine Scott | Director, 10% Owner | 2025-03-14 | P | 1,500 | $3.04 | $4,560 |
| 2025-03-17 | White Blaine Scott | Director, 10% Owner | 2025-03-14 | P | 3,000 | $3.06 | $9,180 |
| 2025-02-28 | COX JOHN D | Director | 2025-02-28 | P | 5,720 | $3.04 | $17,389 |
| 2025-02-28 | COX JOHN D | Director | 2025-02-27 | P | 1,004 | $3.03 | $3,042 |
| 2025-02-26 | COX JOHN D | Director | 2025-02-25 | P | 1,200 | $3.04 | $3,648 |
| 2025-02-26 | COX JOHN D | Director | 2025-02-25 | P | 15,000 | $3.05 | $45,750 |
| 2025-02-26 | COX JOHN D | Director | 2025-02-25 | P | 200 | $3.03 | $606 |
| 2025-02-26 | COX JOHN D | Director | 2025-02-19 | P | 663 | $3.04 | $2,016 |
| 2025-02-18 | COX JOHN D | Director | 2025-02-18 | P | 9,000 | $3.05 | $27,440 |
| 2025-02-18 | COX JOHN D | Director | 2025-02-14 | P | 1,000 | $3.04 | $3,040 |
| 2025-02-12 | White Blaine Scott | Director, 10% Owner | 2025-02-11 | P | 33,350 | $3.04 | $101,384 |
| 2025-02-11 | Long Barton Scot | Director | 2025-02-10 | P | 8,300 | $3.05 | $25,315 |
| 2024-12-13 | White Blaine Scott | Director, 10% Owner | 2024-12-11 | P | 500 | $3.00 | $1,500 |
| 2024-12-06 | White Blaine Scott | Director, 10% Owner | 2024-12-06 | P | 2,360 | $3.00 | $7,080 |
| 2024-11-27 | Long Barton Scot | Director | 2024-11-26 | P | 3,200 | $3.03 | $9,696 |
| 2024-11-26 | COX JOHN D | Director | 2024-11-25 | P | 36,585 | $2.80 | $102,438 |
| 2024-11-26 | KEENE HAROLD L | Director, 10% Owner | 2024-11-25 | P | 1,735 | $2.92 | $5,070 |
| 2024-11-26 | KEENE HAROLD L | Director, 10% Owner | 2024-11-06 | P | 700 | $2.79 | $1,952 |
| 2024-11-07 | White Blaine Scott | Director, 10% Owner | 2024-11-06 | P | 124,754 | $2.66 | $331,846 |
| 2024-09-16 | Long Barton Scot | Director | 2024-09-16 | P | 12,450 | $2.68 | $33,366 |
| 2024-09-16 | COX JOHN D | Director | 2024-09-16 | P | 12,450 | $2.68 | $33,366 |
| 2024-08-27 | Long Barton Scot | Director | 2024-08-26 | P | 400 | $2.67 | $1,068 |
| 2024-08-20 | Long Barton Scot | Director | 2024-08-20 | P | 6,942 | $2.71 | $18,813 |
| 2024-08-20 | COX JOHN D | Director | 2024-08-20 | P | 7,000 | $2.71 | $18,970 |
| 2024-08-01 | Long Barton Scot | Other (Director-Subsidiary Bank) | 2024-07-31 | P | 7,436 | $2.50 | $18,590 |
| 2024-06-18 | KEENE HAROLD L | Director, 10% Owner | 2024-06-14 | P | 14,317 | $2.70 | $38,656 |