NEW PEOPLES BANKSHARES INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data NEW PEOPLES BANKSHARES INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue		3.77	3.7	3.61	3.22	3.72	3.97	3.89	3.84	3.62
Selling and marketing	0.45	0.35				0.25	0.16	0.21	0.24	0.29
Interest expense	2.62	3.21	4.27	5.98	4.89	2.7	3.11	9.12	16.1	15.4
Interest income	1.48	1.5	1.56	1.39	1.05	1.38	1.98	2.17	2.37	2.81
Pre-tax income	0.95	3.24	1.07	2.58	3.99	8.95	10.4	9.33	10.4	13.1
Income tax	-0.01	0.14	0.15	0.52	1.1	1.94	2.3	2.15	2.15	3.05
Net income	0.96	3.09	0.92	2.06	2.89	7.01	8.08	7.18	8.2	10.1
EPS, basic	0.04	0.13	0.04	0.09	0.12			0.30	0.35	0.43
EPS, diluted	0.04	0.13	0.04	0.09	0.12			0.30	0.35	0.43
Shares, basic (weighted)	23.4	23.5	23.9	23.9	23.9	23.9		23.8	23.7	23.6
Shares, diluted (weighted)	23.4	23.5	24	24	24	24	23,898	23.8	23.7	23.6
Dividend per share									0.07	0.08

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	35.4	32.7	28.2	50.1	92.4	60.9	61.7	65	67.7	77.2
Property, plant and equipment	30	26.1	24.2	22.2	22.2	20.7	19.3	17.8	17.1	16.4
Lease right-of-use assets							0.83	3.85	3.41	3
Total assets	634	667	682	706	756	795	775	826	855	910
Total liabilities	587	616	631	652	698	731	718	762	784	827
Paid-in capital	14	14.6	14.6	14.6	14.6	14.6	14.5	14.5	14.5	14.4
Retained earnings	-14.1	-10.8	-9.93	-7.87	-4.98	2.03	8.92	14.5	21	29.2
Other comprehensive income	-0.46	-0.59	-1.24	0.06	0.74	-0.81	-13.9	-11.7	-12	-7.87
Shareholders' equity	46.9	51	51.3	54.6	58.2	63.6	57.2	64.8	70.7	82.9
Total equity	46.9	51	51.3	54.6	58.2	63.6	57.2	64.8	70.7	82.9
Total liabilities and equity	634	667	682	706	756	795	775	826	855	910
Shares outstanding	23.4	23.9	23.9	23.9	23.9	23.9	23.8	23.7	23.6	23.6

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	0.96	3.09	0.92	2.06	2.89	7.01	8.08	7.18	8.2	10.1
Depreciation and amortization	2.4	2.55	2.63	2.31	2.19	2.1	1.74	1.61	1.57	1.48
Deferred income tax	-0.1	-0.19	0.2	0.56	1.1	2.11	0.54	-0.39	-0.29	-0.16
Cash from operations	3.45	5.73	4.4	11.5	8.57	13.8	13.8	7.4	8.34	12.3
Capital expenditures	-4.79	-2.16	-1.65	-1.55	-2.14	-4.09	-0.55	-1.48	-1.79	-0.82
Sales and maturities of investments		3.65	1.54			7.69			2.1
Cash from investing	-1.56	-31.5	-25.5	-9.43	-12.9	-79.7	3.08	-45.9	-26	-42.9
Debt issued								9.69
Debt repaid		-1.76
Share buybacks							-0.17	-0.24	-0.28	-0.21
Cash from financing	7.22	23	16.5	19.9	46.5	34.5	-16.2	41.8	20.4	40.2
Net change in cash	9.11	-2.74	-4.53	22	42.2	-31.4	0.74	3.29	2.69	9.54
Free cash flow	-1.34	3.57	2.75	10	6.43	9.71	13.3	5.93	6.55	11.5
Interest paid	2.58	3.12	4.1	5.87	5.15	2.87	2.85	8.2	16.1	15.4
Income taxes paid	0.1		0.32	-0.03	-0.17		0.65	3.71	2.42	2.68

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $4.90 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	442.9%	Pre-tax income / revenue.
Net margin	340.8%	Net income / revenue.
Operating cash flow margin	427.5%	Cash from operations / revenue.
Effective tax rate	23.0%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	14.1%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.3%	Net income / average total assets.
D&A / revenue	38.0%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-5.7%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	-3.0%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	2.4%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	23.1%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	7.7%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	28.4%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	22.9%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 5y	29.1%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	47.5%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-3.8%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	7.5%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	75.4%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-4.7%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	12.3%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	14.3%	Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y	17.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	13.1%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	7.3%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	6.4%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	5.5%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	3.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-0.4%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-90.0%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-0.3%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	90.8%	Total liabilities / total assets.
Tangible book value	$86.3M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.00x	Revenue / average total assets.
Fixed asset turnover	0.22x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$0.52	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$0.15	Revenue / diluted weighted shares.
Operating cash flow per share	$0.65	Cash from operations / diluted weighted shares.
Book value per share	$3.67	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$3.67	Tangible book value / shares outstanding.
Cash per share	$3.58	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$115.3M	Share price x shares outstanding.
Enterprise value	$31.0M	Market cap + total debt - cash - short-term investments.
P/E	9.48x	Market cap / net income. Only when net income is positive.
P/S	32.3x	Market cap / revenue.
P/B	1.34x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.34x	Market cap / tangible book value, when positive.
P/OCF	7.56x	Market cap / cash from operations, when positive.
EV/Sales	8.69x	Enterprise value / revenue.
Earnings yield	10.6%	Net income / market cap (the inverse of P/E).
Shareholder yield	0.2%	(Dividends paid + share buybacks) / market cap.

What was NEW PEOPLES BANKSHARES INC's revenue in fiscal 2025?

NEW PEOPLES BANKSHARES INC reported revenue of $3.6M for fiscal 2025, 5.7% lower than the year before.

Was NEW PEOPLES BANKSHARES INC profitable in fiscal 2025?

Yes. Net income was $10.1M, a net margin of 278.9%.

How much free cash flow did NEW PEOPLES BANKSHARES INC generate in fiscal 2025?

Cash from operations of $12.3M minus capital expenditures of $815.0K left free cash flow of $11.5M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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