New Peoples Bankshares, Inc. (NWPP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
New Peoples Bankshares, Inc. (NWPP) trades at $4.80 with AI Score 50/100 (Grade B). New Peoples Bankshares, Inc. is a financial holding company operating New Peoples Bank, Inc. Market cap: $113M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for NWPP: NWPP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NWPP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
NWPP: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
New Peoples Bankshares, Inc. (NWPP) Financial Services Profile
New Peoples Bankshares, Inc. operates as a financial holding company, providing comprehensive banking and investment services to consumers, small businesses, and professionals across Virginia, West Virginia, and Tennessee. This community-focused bank emphasizes relationship banking and local market knowledge, leveraging 19 full-service branches and digital platforms to serve its regional customer base.
What Is the Investment Thesis for NWPP?
New Peoples Bankshares, Inc. (NWPP) presents an investment profile centered on its established community banking model within its regional footprint across Virginia, West Virginia, and Tennessee. The company operates with a reported P/E ratio of 9.00 and a profit margin of 18.7%, indicating profitability. A dividend yield of 2.04% suggests a commitment to shareholder returns. Key value drivers include its comprehensive suite of banking and investment services, catering to diverse customer segments from individuals to small businesses, fostering stable deposit bases and loan origination opportunities. The bank's focus on relationship banking and deep local market knowledge in its operating regions provides a competitive advantage against larger, more impersonal financial institutions. Growth catalysts may stem from continued expansion of its loan portfolio, particularly in commercial and residential mortgages, driven by regional economic stability. Furthermore, leveraging its digital banking capabilities, including internet, mobile banking, and remote deposit capture, could enhance customer reach and operational efficiency. However, as an OTC Other tier stock, NWPP faces potential risks related to limited liquidity and less stringent reporting requirements compared to major exchanges, necessitating thorough due diligence by investors. Its low beta of 0.14 suggests relatively low volatility, which could appeal to risk-averse investors seeking stable income.
Based on FMP financials and quantitative analysis
NWPP Key Highlights
Market capitalization of $113M, reflecting its size as a regional financial holding company.
- P/E ratio of 9.00, indicating its valuation relative to earnings within the financial services sector.
- Profit margin of 18.7%, demonstrating the company's efficiency in converting revenue into net income.
- Gross margin of 72.9%, highlighting strong profitability on its core banking services before operating expenses.
- Dividend yield of 2.04%, providing income to shareholders.
Who Are NWPP's Competitors?
NWPP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NWPP's Key Strengths?
Comprehensive range of banking and investment services for diverse customer segments.
- Established regional presence with 19 full-service branches across three states.
- Focus on relationship banking and local market knowledge within its operating areas.
- Integration of modern digital banking technologies alongside traditional services.
What Are NWPP's Weaknesses?
Limited liquidity and reporting requirements associated with OTC Other tier trading.
- Market capitalization of $113M indicates a relatively small scale compared to larger regional or national banks.
- Geographic concentration in Virginia, West Virginia, and Tennessee exposes it to regional economic fluctuations.
- Reliance on traditional interest income, which can be sensitive to interest rate changes.
What Could Drive NWPP Stock Higher?
NWPP catalyst: Expansion of digital banking services, including internet, mobile, and ITM offerings, to enhance customer reach and operational efficiency.
- Leveraging local market knowledge and relationship banking to grow its commercial and residential loan portfolios in its regional footprint.
- Potential for increased fee income generation through enhanced investment services and financial planning offerings.
- Strategic optimization of its 19 full-service branches and the loan production office to capture market share in specific regional communities.
What Are the Key Risks for NWPP?
Financial-distress signal — its Altman Z-Score of 0.40 sits in the distress zone (elevated bankruptcy risk).
- Limited liquidity and less stringent reporting requirements associated with trading on the OTC Other tier, posing challenges for investors.
- Exposure to regional economic downturns in Virginia, West Virginia, and Tennessee, which could impact loan demand and credit quality.
- Competitive pressures from larger financial institutions and other regional banks within its operating markets.
- Sensitivity to changes in interest rates, which could affect the bank's net interest margin and overall profitability.
- Regulatory changes in the financial services sector could impose additional compliance costs or operational restrictions.
What Are the Growth Opportunities for NWPP?
- **Expansion of Digital Banking Services**: The ongoing shift towards digital platforms presents a significant growth avenue. By further enhancing its internet, mobile banking, and remote deposit capture capabilities, New Peoples Bankshares can expand its reach beyond physical branch locations, potentially attracting a younger, tech-savvy demographic and improving customer convenience. This strategy could lead to increased deposit gathering and loan origination efficiencies, reducing reliance on traditional brick-and-mortar operations and potentially lowering operational costs over a 3-5 year timeline, tapping into the broader digital banking market estimated to grow significantly.
- **Targeted Commercial Lending in Regional Markets**: Focusing on small to medium-sized businesses (SMBs) within its established operating regions of Virginia, West Virginia, and Tennessee offers a robust growth opportunity. By leveraging its local market knowledge and relationship-based banking approach, New Peoples Bank can identify and serve the specific financing needs of regional businesses, including commercial loans and general construction loans. This niche focus can lead to higher-quality loan portfolios and stronger client retention, with the regional SMB lending market providing consistent demand over the next 2-4 years.
- **Growth in Investment and Wealth Management Services**: The company's existing investment services, including mutual funds, annuities, and financial/estate planning, represent an underdeveloped growth area. As the population ages and wealth transfer accelerates, there is an increasing demand for comprehensive wealth management solutions. By expanding its advisory capacity and product offerings in this segment, New Peoples Bankshares can capture a larger share of its customers' financial assets, generating fee-based income and diversifying its revenue streams over a 5-year horizon.
- **Strategic Branch Optimization and Loan Production Office Expansion**: While digital is key, physical presence remains important in community banking. Optimizing existing branches for efficiency and strategically expanding its loan production office model, similar to the Boone, North Carolina office, could facilitate growth in new, underserved micro-markets without the full overhead of a new branch. This allows for targeted loan origination in high-growth areas, potentially increasing market share and loan volume over the next 3-5 years, particularly in adjacent communities within its current states or neighboring regions.
- **Health Savings Account (HSA) and Individual Retirement Account (IRA) Market Penetration**: With a growing emphasis on health and retirement planning, the demand for HSAs and IRAs is steadily increasing. New Peoples Bankshares already offers these products. By actively marketing these accounts as part of a holistic financial planning approach, the bank can attract new deposits and deepen relationships with existing customers. This focus on long-term savings vehicles can provide a stable, low-cost deposit base and cross-selling opportunities for other banking services, representing a steady growth opportunity over the next 5-10 years.
What Are NWPP's Competitive Advantages?
- **Local Market Knowledge & Relationships**: Deep understanding of regional economies and strong community ties foster customer loyalty and facilitate targeted lending.
- **Comprehensive Service Offering**: A full spectrum of banking, lending, and investment services under one roof creates convenience and encourages cross-selling.
- **Established Branch Network**: 19 full-service branches provide a physical presence and accessibility, which is still valued in community banking.
- **Hybrid Banking Model**: Integration of modern digital banking tools (mobile, internet, ITMs) with traditional branch services caters to diverse customer preferences.
What Does NWPP Do?
New Peoples Bankshares, Inc. functions as a financial holding company, established in 1997 and headquartered in Honaker, Virginia. Its primary subsidiary, New Peoples Bank, Inc., delivers a comprehensive suite of financial services, catering to individual consumers, small to medium-sized businesses, and professionals across the United States. The bank's evolution has centered on building a robust regional presence, currently operating 19 full-service branches spanning Virginia, West Virginia, and Tennessee, complemented by a strategic loan production office in Boone, North Carolina. The core offerings encompass a diverse range of deposit products designed to meet various customer needs, including standard and interest-bearing checking accounts, savings and money market accounts, health savings accounts, individual retirement accounts, and certificates of deposit. On the lending side, New Peoples Bank provides extensive options, from commercial loans vital for business growth to a variety of residential mortgage products such as first and second mortgages, construction loans, home equity lines of credit, and term loans. Additionally, it offers general construction loans and consumer loans for purposes like home improvement and debt consolidation. Beyond traditional banking, the company extends its services into investment solutions, featuring fixed-income instruments, variable annuities, mutual funds, indexed certificates of deposit, individual retirement and managed money accounts, and long-term care insurance. The bank also supports clients with employee group benefit plans, college savings plans, and provides essential financial and estate planning guidance. To enhance customer convenience and accessibility, New Peoples Bank integrates modern banking technologies, including interactive teller machines (ITMs), debit and credit card services, and a full suite of electronic banking features such as internet, telephone, and mobile banking, remote deposit capture, merchant transaction processing, and wire transfers. Customers can engage with the bank through traditional walk-up tellers, drive-in windows, and ITMs, underscoring its commitment to both personal service and technological advancement within its community banking model.
What Products and Services Does NWPP Offer?
- Offers checking, savings, money market, health savings, and individual retirement accounts.
- Provides various lending products, including commercial, residential mortgage, construction, home equity, and consumer loans.
- Delivers investment services such as fixed-income instruments, mutual funds, annuities, and managed money accounts.
- Assists with financial and estate planning, employee group benefits, and college savings plans.
- Operates 19 full-service branches across Virginia, West Virginia, and Tennessee, plus a loan office in North Carolina.
- Provides modern electronic banking services, including internet, mobile, telephone banking, and remote deposit capture.
- Offers convenient access through walk-up tellers, drive-in windows, and interactive teller machines (ITMs).
- Provides additional services like safe deposit boxes, cashier's checks, and cash management.
How Does NWPP Make Money?
- Generates interest income from its loan portfolio (commercial, residential, consumer) and investment securities.
- Earns non-interest income through service charges on deposit accounts, investment services fees, and other banking fees.
- Attracts deposits (checking, savings, CDs) to fund lending activities, managing the spread between interest earned on loans and interest paid on deposits.
- Provides fee-based investment and advisory services, including financial and estate planning, and sales of various investment products.
What Industry Does NWPP Operate In?
New Peoples Bankshares, Inc. operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by a strong emphasis on local market knowledge, relationship banking, and community engagement. Regional banks like New Peoples Bankshares typically serve specific geographic areas, competing with larger national banks, credit unions, and other regional players. Current market trends include an increasing demand for digital banking solutions, which New Peoples Bank addresses through its internet, mobile, and ITM services, alongside a continued need for personalized financial advice and local lending expertise. The competitive landscape requires regional banks to differentiate through service quality, tailored product offerings, and efficient operations. New Peoples Bankshares, with its 19 branches across Virginia, West Virginia, and Tennessee, positions itself as a community-focused institution leveraging its local presence and comprehensive service portfolio to capture and retain customers in its specific operating regions.
Who Are NWPP's Key Customers?
- Individual consumers seeking deposit accounts, personal loans, and investment services.
- Small to medium-sized businesses requiring commercial loans, cash management, and employee benefit plans.
- Professionals looking for specialized banking services, investment guidance, and financial planning.
- Homeowners and prospective buyers utilizing residential mortgage and home equity products.
New Peoples Bankshares, Inc. (NWPP) Valuation Context
Valued at $113M, NWPP is classified as a micro-cap stock. Relative to its peer group, NWPP's quantitative score of 50/100 is below the peer average of 92/100.
NWPP Revenue & Earnings Trend
In Q2 2026, NWPP generated $15.7M in top-line revenue, marking a sequential increase of 3.4%. The company recorded net income of $3.5M, with diluted EPS of $0.15. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, NWPP averaged $0.13 in diluted EPS.
Company Profile
New Peoples Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Honaker, US. The company is led by CEO James W. Kiser. NWPP has traded publicly since 2011.
Key Financial Metrics
Return on equity for New Peoples Bankshares, Inc. stands at 14.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. NWPP trades at a trailing price-to-earnings ratio of 9.02, below the Financial Services sector average of ~18x. Its free cash flow yield is 14.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 7.10 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
New Peoples Bankshares, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.40 places it in the distress zone, a signal of elevated financial risk.
NWPP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, reflecting a positive outlook from those closest to the business.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts are noting a favorable regulatory environment for community banks, which could enhance NWPP's growth prospects.
- Recent developments in digital banking initiatives have been well-received, indicating the company is adapting to modern banking trends.
Bear Case
- Concerns about rising interest rates have led to skepticism about the bank's ability to maintain profitability in a tightening market.
- Social sentiment has shown some caution, with discussions around potential economic headwinds affecting smaller banks.
- There have been mentions of increased competition in the regional banking space, which could pressure NWPP's market share.
- Some community members express uncertainty about the bank's strategic direction, particularly in expanding its service offerings.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $16M | $3M | $0.15 |
| Q1 2026 | $15M | $3M | $0.13 |
| Q4 2025 | $16M | $3M | $0.12 |
| Q3 2025 | $15M | $3M | $0.12 |
Based on FMP financials and quantitative analysis
NWPP Latest News
No recent news available for NWPP.
NWPP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NWPP.
Price Targets
Wall Street price target analysis for NWPP.
NWPP MoonshotScore
What does this score mean?
The MoonshotScore rates NWPP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James W. Kiser
Chief Executive Officer
The provided source data does not contain specific details regarding James W. Kiser's educational background, extensive career history, or previous roles prior to his current position at New Peoples Bankshares, Inc. He is noted as managing 177 employees within the organization, indicating a significant leadership role in overseeing the company's operational functions and personnel management across its various branches and departments. Further biographical information was not made available.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to James W. Kiser's leadership tenure are not detailed in the provided source materials. His role involves overseeing the day-to-day operations and strategic direction of New Peoples Bankshares, Inc., which includes managing its 177 employees and guiding the bank's regional growth and service delivery.
NWPP OTC Market Information
New Peoples Bankshares, Inc. trades on the OTC Other tier, which is the lowest of the three OTC Markets tiers (OTCQX, OTCQB, OTC Pink, and OTC Other). Companies on the OTC Other tier are typically those that do not meet the financial or disclosure standards for OTCQX or OTCQB, or choose not to provide current information to OTC Markets Group. Unlike companies listed on major exchanges such as NYSE or NASDAQ, which have stringent listing requirements for financial health, corporate governance, and regular public disclosures (e.g., quarterly and annual reports filed with the SEC), OTC Other companies have unknown disclosure status. This tier generally implies less transparency and potentially higher risk for investors due to limited publicly available information.
- OTC Tier: OTC Other
- Limited public information and unknown disclosure status, hindering comprehensive due diligence.
- Significantly lower liquidity compared to major exchanges, leading to wider bid-ask spreads and difficulty in trading.
- Potential for price volatility due to fewer market participants and less transparent trading.
- Increased risk of fraud or manipulation due to less stringent regulatory oversight and reporting.
- Difficulty in obtaining accurate and timely valuation data for investment decisions.
- Verify the company's official website for any direct financial statements or investor relations updates.
- Review any available regulatory filings, even if not mandated by SEC, that might be published by state regulators.
- Assess the company's business operations and regional economic trends impacting its customer base.
- Examine any news articles or third-party reports for insights into company performance and management.
- Understand the ownership structure and any significant insider holdings.
- Evaluate the company's dividend history and sustainability, given the 2.04% yield.
- Consider the implications of the "Unknown" disclosure status on the reliability of financial data.
- Operates as a financial holding company with a primary subsidiary, New Peoples Bank, Inc., indicating a structured corporate entity.
- Headquartered in Honaker, Virginia, with 19 full-service branches and a loan production office, demonstrating a tangible physical presence.
- Provides a full spectrum of traditional banking and investment services, suggesting a legitimate and active business operation.
- Has a known CEO, James W. Kiser, and a reported employee count of 177, indicating an organized workforce.
- Reports financial metrics such as Market Cap, P/E, Profit Margin, Gross Margin, Beta, and Dividend Yield, suggesting some level of financial reporting.
New Peoples Bankshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for NWPP?
NWPP holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. New Peoples Bankshares, Inc. is a financial holding company operating New Peoples Bank, Inc., which provides a full range of banking and investment services to individuals, small businesses, …
What does New Peoples Bankshares, Inc. do?
New Peoples Bankshares, Inc. operates as a financial holding company primarily through its subsidiary, New Peoples Bank, Inc. The company provides a comprehensive range of banking and financial services to individual consumers, small to medium-sized businesses, and professionals.
How does New Peoples Bankshares, Inc. generate revenue in financial services?
New Peoples Bankshares, Inc. primarily generates revenue through two main streams: net interest income and non-interest income. Net interest income is derived from the difference between the interest earned on its loan portfolio (which includes commercial, residential mortgage, and consumer loans) and investment securities, and the interest paid on customer deposits such as checking, savings, and certificates of deposit.
What is New Peoples Bankshares, Inc.'s approach to credit quality and risk management?
While specific details on New Peoples Bankshares, Inc.'s credit quality metrics or explicit risk management frameworks are not extensively provided in the source data, as a regional bank, its approach typically involves localized underwriting and relationship-based lending. This implies a focus on understanding the creditworthiness of borrowers within its specific operating regions of Virginia, West Virginia, and Tennessee.
What are the primary risks associated with investing in New Peoples Bankshares, Inc. given its OTC listing?
Investing in New Peoples Bankshares, Inc. carries specific risks due to its listing on the OTC Other tier. A primary concern is the unknown disclosure status, meaning there may be limited public financial information available for thorough due diligence.
What are the key factors to evaluate for NWPP?
New Peoples Bankshares, Inc. (NWPP) holds an AI score of 50/100 (moderate). (NWPP) presents an investment profile centered on its established community banking model within its regional footprint across Virginia, West Virginia, and Tennessee. Not financial advice.
How frequently does NWPP data refresh on this page?
NWPP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven NWPP's recent stock price performance?
New Peoples Bankshares, Inc. (NWPP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive range of banking and investment services for diverse customer segments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NWPP overvalued or undervalued right now?
New Peoples Bankshares, Inc. (NWPP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- All information is based solely on the provided source data. Specific details regarding CEO background, track record, and detailed risk management frameworks were not available in the source and are marked as 'Unknown' or inferred based on general industry practice where appropriate and explicitly stated.