New Peoples Bankshares Inc (NWPP) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of New Peoples Bankshares Inc $3.43, price $4.99, upside -31.3%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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New Peoples Bankshares Inc
NWPP · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $1.10 – $4.99 · fair‑value band $3.05 – $5.55 · the $4.99 price screens above the $3.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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.
Stock analysis
New Peoples Bankshares Inc (NWPP) currently trades at $4.99, while our model-based Fair Value estimate is $3.43, implying the stock looks roughly 45.5% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $4.92 per share, and 1 of the 6 models we run sit above the $4.99 price.
Bear case: the Dividend Discount group reads lowest at $0.7600, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $3.05 (bear) to $5.55 (bull), the price of $4.99 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
New Peoples Bankshares Inc reported revenue of $58.5M in FY2025 versus $39.3M in FY2021, a compound +10.5%/yr. Reported net income was $10.1M in FY2025, compounding +9.6%/yr from FY2021.
Key figures
Market cap $118M · P/E ratio 10.4 · P/S ratio 1.79 · EPS (TTM) $0.4800 · Dividend yield 1.8% · Net margin 17.3% · Return on equity 14.5% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −31%, NWPP screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 80
Revenue & earnings trend
Growth Forecast
NWPP screens 45% overvalued. Compare with DBS Group →
Compare New Peoples Bankshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Mizuho Financial Group MFG | $10.74 | $6.75 | −37% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of New Peoples Bankshares Inc
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