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MARKETS / BALCAO / NWPP
BALCAO · STATE COMMERCIAL BANKS · SMALL CAP

NEW Peoples Bankshares Inc. NWPP

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$3.6M
▼ 5.7% YoY
$10.1M
▲ 23.1% YoY
$11.5M
▲ 75.4% YoY
In brief

What this company does

Our business is conducted primarily through New Peoples Bank, Inc., a Virginia banking corporation (the “Bank”). The Bank was incorporated under the laws of the Commonwealth of Virginia on December 9, 1997, and began operations on October 28, 1998. On November 30, 2001, the reorganization was completed and the Bank became New Peoples’ wholly owned subsidiary. As of March 24, 2026, we have 17 full-service branches located in four states: Virginia - Abingdon, Bluefield, Bristol, Castlewood, Clintwood, Gate City, Grundy, Haysi, Honaker, Lebanon, Pounding Mill, Tazewell, and Wise; West Virginia - Princeton (2); North Carolina – Boone, and Tennessee – Kingsport. On June 7, 2017, NPB Insurance Services, Inc. purchased a 39% membership interest in Lonesome Pine Title Agency, LLC, which provides title insurance.

Written from the business description in New Peoples Bankshares, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 31 March 2026. Every sentence was checked against that document before publication.

Growth
USD 3.6M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 3.6 · Net income 10.1
4M8M201020122014201620182020202220242025
Compound annual growth
−3.0%
+2.4%
+7.7%
+28.4%
+14.3%
+7.4%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +2.4% a year over five years — but profit grew faster: net income at +28.4%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
279 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 363.0% · Net 278.9%
100%200%300%201020122014201620182020202220242025
ROE
FY2025 · ROE 13.1%
5%10%-5%-10%-15%201020122014201620182020202220242025

Each USD of equity produced 13 cents of profit this year.

Cash & shareholders
USD 212,000.00
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 11.5
5M10M201020122014201620182020202220242025
Net buybacks $ Dividends $
FY2025 · Dividends — · Net buybacks 212000.0
1000002000002022202320242025

USD 212,000.00 in buybacks — 2% of the year's profit went back to shareholders.

Total assetsUSD 909.7M
EquityUSD 82.9M
CashUSD 77.2M
DepositsUSD 798.3M

Equity funds 9% of total assets.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.00.00.00.00.00.00.00.00.0·······
Operating income $B0.00.00.00.00.0···········
EBITDA $B0.00.00.00.00.0···········
Income tax $B0.00.00.00.00.00.00.00.00.0−0.00.0−0.0−0.00.0−0.0−0.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.0−0.0−0.0−0.0
Free cash flow $B0.00.00.00.00.00.00.00.00.0−0.00.00.00.00.00.00.0
EPS, diluted $0.430.350.30··0.120.090.040.130.040.120.010.07−0.57−0.89−0.91
Dividend / sh $0.080.07··············
Payout %················
ROE %13.112.111.813.411.55.13.91.86.32.16.00.63.7−15.9··
Shares out B0.020.020.020.020.020.020.020.020.020.020.020.020.020.020.010.01

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 46 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 11 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onOTC market
Incorporated inVirginia
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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