NWPP
NEW PEOPLES BANKSHARES INC
Next earnings Jul 29, 2026
Last earnings +0.0% on 2026-04-27
$4.31
▲ +1.41%$4.31▲ +41.09%
over 1Y
L $2.91H $4.41
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.4%
1W+1.4%
1M-0.7%
3M+7.5%
YTD+21.1%
1Y+41.1%
Hold
Conviction
Horizon
Medium (3–12mo)
Strong net margin (278.9%); but revenue declined -5.7% YoY.
Revenue (FY2025) $3.62M · FY2025
The read
Middling fundamentals offset by an attractive price (~126% below fair value) — worth a look on the value angle.
NEW PEOPLES BANKSHARES INC shows $3.62M in FY2025 revenue (-5.7% YoY), a 278.9% net margin, and 12.2% ROE.
Supporting the case: strong net margin (278.9%); undemanding valuation (P/E 9.9).
Is NWPP a buy? The one-page verdict, explained →
The options angle
model · matches our verdictCovered call~60d expiry
- Long 100 shares @ ~4.31
- Short call 4.5 @ ~0.05 est
debit $426max +$24max −$425BE 4.26
HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $3.72M | $3.97M | $3.89M | $3.84M | $3.62M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $7.01M | $8.08M | $7.18M | $8.20M | $10.1M |
| Diluted EPS | — | — | $0.30 | $0.35 | $0.43 |
| Net margin | 188.2% | 203.6% | 184.9% | 213.8% | 278.9% |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF8.8
PEG (trailing)0.43
Earnings yield9.9%
FCF yield11.3%
Quality & risk
ROIC (est.)—
Free cash flow$11.5M
Total debt—
Net cash$77.2M
Piotroski F-Score5/6
Capital returns
Buyback yield0.2%
Dividend yield (est.)—
Shareholder yield0.2%
Shares Δ YoY-0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-152026-06-16open ↗3Period ending 2026-06-122026-06-16open ↗4Period ending 2026-06-122026-06-16open ↗4Period ending 2026-06-042026-06-08open ↗3Period ending 2026-05-192026-06-03open ↗3Period ending 2026-05-192026-06-03open ↗8-KPeriod ending 2026-05-192026-05-26open ↗10-QPeriod ending 2026-03-312026-05-13open ↗4Period ending 2026-04-302026-05-01open ↗8-KPeriod ending 2026-04-242026-04-27open ↗ARSPeriod ending 2025-12-312026-04-06open ↗DEFA14AFiling2026-04-06open ↗
Frequently asked
- Is NEW PEOPLES BANKSHARES INC (NWPP) a buy?
- NWPP currently carries a Hold rating with 2/5 conviction, derived from its latest SEC filings. Strong net margin (278.9%); but revenue declined -5.7% YoY.
- What is NWPP's fair value?
- A Modified-Graham model based on NWPP's SEC fundamentals estimates a fair value of about $9.74. It is an estimate from reported earnings, not a price target.
- Is NWPP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, NWPP currently appears undervalued relative to its SEC-grounded earnings power.
- What is NEW PEOPLES BANKSHARES INC's quality score?
- NWPP scores 71.02941176470587/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001163389, latest 10-Q filed 2026-05-13) · EODHD · as of 6/23/2026, 1:56:59 AM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 22, 2026, 9:56 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.