New Peoples Bankshares Inc - Understand $nwpp stock

$NWPP Market Cap: $67.9 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$2.877M

TTM

Gross Margin

Net Earnings

$7.127M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$880.3M

Q3 2024

Total Liabilities

$809.2M

Q3 2024

Book Value

$71.06M

Q3 2024

Cash

$103.7M

Q3 2024

P/E

9.528

Nov 11, 2024 EST

Free Cash Flow

$3.206M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$3.886M	$3.969M	$3.724M
YoY Change	-2.09%	6.58%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021
Revenue	$3.886M	$3.969M	$3.724M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.614M	$1.741M	$2.100M	$2.190M	$2.310M	$2.630M	$2.550M	$2.400M	$2.090M	$2.230M	$2.390M	$2.570M	$2.660M	$2.850M	$2.950M	$3.200M	$2.600M	$2.300M
YoY Change	-7.29%	-17.1%	-4.11%	-5.19%	-12.17%	3.14%	6.25%	14.83%	-6.28%	-6.69%	-7.0%	-3.38%	-6.67%	-3.39%	-7.81%	23.08%	13.04%	19.79%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021
Interest Expense	$9.116M	$3.105M	$2.701M
YoY Change	193.59%	14.96%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$9.331M	$10.38M	$8.950M	$3.990M	$2.580M	$1.070M	$3.240M	$950.0K	$2.680M	$240.0K	$1.410M	-$3.920M	-$9.690M	-$14.16M	-$5.420M	$6.650M	$2.850M	$4.270M
YoY Change	-10.11%	15.99%	124.31%	54.65%	141.12%	-66.98%	241.05%	-64.55%	1016.67%	-82.98%	-135.97%	-59.55%	-31.57%	161.25%	-181.5%	133.33%	-33.26%	1.43%
Income Tax	$2.147M	$2.299M	$1.940M	$1.100M	$520.0K	$150.0K	-$3.860M	-$10.00K	$20.00K	-$10.00K	-$70.00K	$2.410M	-$780.0K	-$5.090M	-$1.740M	$1.920M	-$20.00K	$1.180M
% Of Pretax Income	23.01%	22.15%	21.68%	27.57%	20.16%	14.02%	-119.14%	-1.05%	0.75%	-4.17%	-4.96%					28.87%	-0.7%	27.63%
Net Earnings	$7.184M	$8.082M	$7.010M	$2.890M	$2.060M	$920.0K	$3.090M	$960.0K	$2.660M	$240.0K	$1.480M	-$6.320M	-$8.910M	-$9.070M	-$3.690M	$4.740M	$2.870M	$3.090M
YoY Change	-11.11%	15.29%	142.56%	40.29%	123.91%	-70.23%	221.88%	-63.91%	1008.33%	-83.78%	-123.42%	-29.07%	-1.76%	145.8%	-177.85%	65.16%	-7.12%	13.6%
Net Earnings / Revenue	184.87%	203.63%	188.24%
Basic Earnings Per Share
Diluted Earnings Per Share	$0.30	$0.34	$293.1K	$120.5K	$85.87K	$38.46K	$131.7K	$41.11K	$115.9K	$10.86K	$67.67K	-$565.3K	-$890.1K	-$906.1K	-$368.6K	$463.3K	$276.8K	$297.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.12M	$23.02M	$24.80M	$27.60M	$28.10M	$29.10M	$31.40M	$30.00M	$28.10M	$28.80M	$30.00M	$31.20M	$33.10M	$34.10M	$35.00M	$36.80M	$34.90M	$29.40M
YoY Change	-3.9%	-7.2%	-10.14%	-1.78%	-3.44%	-7.32%	4.67%	6.76%	-2.43%	-4.0%	-3.85%	-5.74%	-2.93%	-2.57%	-4.89%	5.44%	18.71%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$4.461M	$4.623M	$1.700M	$3.100M	$4.600M	$5.500M	$5.500M	$5.300M	$5.100M	$5.000M	$5.400M	$4.700M	$7.200M	$8.000M	$5.400M	$1.200M
YoY Change	-3.5%	171.94%	-45.16%	-32.61%	-16.36%	0.0%	3.77%	3.92%	2.0%	-7.41%	14.89%	-34.72%	-10.0%	48.15%	350.0%
Total Long-Term Assets
YoY Change
Total Assets	$826.3M	$775.4M	$794.6M	$756.3M	$706.4M	$682.1M	$666.7M	$634.3M	$625.9M	$651.1M	$684.7M	$719.0M	$780.4M	$852.6M	$857.9M	$807.9M	$766.0M	$635.8M
YoY Change
Accounts Payable	$1.447M	$526.0K	$300.0K	$400.0K	$700.0K	$600.0K	$400.0K	$300.0K	$300.0K	$300.0K	$2.300M	$1.900M	$1.800M	$1.700M	$1.600M	$2.200M	$2.800M	$2.800M
YoY Change	175.1%	75.33%	-25.0%	-42.86%	16.67%	50.0%	33.33%	0.0%	0.0%	-86.96%	21.05%	5.56%	5.88%	6.25%	-27.27%	-21.43%	0.0%
Accrued Expenses	$7.402M	$8.410M	$6.700M	$8.200M	$8.100M	$7.200M	$8.700M	$2.400M	$2.100M	$2.100M	$1.600M	$1.400M	$1.500M	$1.500M	$2.200M	$1.700M	$1.900M	$2.000M
YoY Change	-11.99%	25.52%	-18.29%	1.23%	12.5%	-17.24%	262.5%	14.29%	0.0%	31.25%	14.29%	-6.67%	0.0%	-31.82%	29.41%	-10.53%	-5.0%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due													$0.00	$4.900M	$4.900M	$4.900M	$0.00
YoY Change													-100.0%	0.0%	0.0%
Total Short-Term Liabilities	$8.849M	$8.936M	$7.000M	$8.600M	$8.800M	$7.800M	$9.100M	$2.700M	$2.400M	$2.400M	$3.900M	$3.300M	$3.300M	$8.100M	$8.700M	$8.800M	$4.700M	$4.800M
YoY Change	-0.97%	27.66%	-18.6%	-2.27%	12.82%	-14.29%	237.04%	12.5%	0.0%	-38.46%	18.18%	0.0%	-59.26%	-6.9%	-1.14%	87.23%	-2.08%
Long-Term Debt	$16.19M	$0.00	$0.00	$0.00	$0.00	$0.00	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$0.00	$5.500M	$300.0K	$0.00	$0.00	$0.00	$0.00
YoY Change						-100.0%	0.0%	0.0%	0.0%	0.0%		-100.0%	1733.33%
Other Long-Term Liabilities												$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M
YoY Change												0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Total Long-Term Liabilities	$16.19M	$0.00	$0.00	$0.00	$0.00	$0.00	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$22.00M	$16.80M	$16.50M	$16.50M	$16.50M	$16.50M
YoY Change						-100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-25.0%	30.95%	1.82%	0.0%	0.0%	0.0%
Total Liabilities	$761.5M	$718.1M	$731.0M	$698.1M	$651.8M	$630.9M	$615.7M	$587.4M	$579.8M	$608.2M	$644.8M	$679.1M	$751.5M	$815.1M	$811.3M	$757.6M	$720.7M	$593.5M
YoY Change	6.04%	-1.76%	4.71%	7.1%	3.31%	2.47%	4.82%	1.31%	-4.67%	-5.68%	-5.05%	-9.63%	-7.8%	0.47%	7.09%	5.12%	21.43%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2014	2013	2012	2011
Basic Shares Outstanding			22.10M	21.87M	11.18M	10.01M
Diluted Shares Outstanding	23.80B shares	23.90B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $67.904 Million

About NEW PEOPLES BANKSHARES INC

New Peoples Bankshares, Inc. is a financial holding company, which, through its subsidiary, offers a range of banking and financial services to individuals and small to medium size businesses. The company is headquartered in Honaker, Virginia and currently employs 183 full-time employees. The company went IPO on 2011-04-01. The Company’s business is conducted primarily through New Peoples Bank, Inc. (the Bank), a banking corporation. The Bank has a division doing business as New Peoples Financial Services, which offers investment services. The Bank offers a range of banking and related financial services focused primarily on serving individuals, small to medium size businesses and the professional community. The company accepts deposits, make consumer and commercial loans, issue drafts, and provide other services customarily offered by a commercial bank, such as business and personal checking and savings accounts, walk-up tellers, drive-in windows, and 24-hour automated teller machines (ATMs). The company offers a full range of short-medium- and longer-term commercial, 1-4 family residential mortgages and personal loans. Its commercial loans include both secured and unsecured loans for working capital, including inventory and receivables.

Industry: State Commercial Banks Peers: FIRST OTTAWA BANCSHARES, INC InsCorp Inc PNC Financial Services Group Inc STURGIS BANCORP INC