What is New Peoples Bank's earnings per share (EPS)?

New Peoples Bank (NWPP) reported diluted earnings per share of $0.43 for fiscal year 2025. This represents a 22.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

New Peoples Bank Financials

NWPP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows New Peoples Bank (NWPP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

New Peoples Bank's revenue declined 5.7% year-over-year, from $3.8M to $3.6M. This contraction results in a growth score of 24/100.

Leverage

New Peoples Bank has elevated debt relative to equity (D/E of 9.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

New Peoples Bank converts 317.3% of revenue into free cash flow ($11.5M). This strong cash generation earns a score of 100/100.

Returns

New Peoples Bank's ROE of 12.2% shows moderate profitability relative to equity, earning a score of 38/100. This is up from 11.6% the prior year.

Piotroski F-Score Neutral

5/9

New Peoples Bank passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.22x

For every $1 of reported earnings, New Peoples Bank generates $1.22 in operating cash flow ($12.3M OCF vs $10.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.6M

YoY-5.7%

5Y CAGR+2.4%

10Y CAGR-17.8%

New Peoples Bank generated $3.6M in revenue in fiscal year 2025. This represents a decrease of 5.7% from the prior year.

EBITDA

N/A

Net Income

$10.1M

YoY+23.1%

5Y CAGR+28.4%

10Y CAGR+14.3%

New Peoples Bank reported $10.1M in net income in fiscal year 2025. This represents an increase of 23.1% from the prior year.

EPS (Diluted)

$0.43

YoY+22.9%

New Peoples Bank earned $0.43 per diluted share (EPS) in fiscal year 2025. This represents an increase of 22.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$11.5M

YoY+75.4%

5Y CAGR+12.3%

10Y CAGR+10.8%

New Peoples Bank generated $11.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 75.4% from the prior year.

Cash & Debt

$77.2M

YoY+14.1%

5Y CAGR-3.5%

10Y CAGR+11.4%

New Peoples Bank held $77.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.07

New Peoples Bank paid $0.07 per share in dividends in fiscal year 2025.

Shares Outstanding

24M

YoY-0.3%

5Y CAGR-0.3%

10Y CAGR+0.1%

New Peoples Bank had 24M shares outstanding in fiscal year 2025. This represents a decrease of 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

278.9%

YoY+65.1pp

5Y CAGR+189.0pp

10Y CAGR+268.5pp

New Peoples Bank's net profit margin was 278.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 65.1 percentage points from the prior year.

Return on Equity

12.2%

YoY+0.6pp

5Y CAGR+7.2pp

10Y CAGR+6.4pp

New Peoples Bank's ROE was 12.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$212K

YoY-24.8%

New Peoples Bank spent $212K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 24.8% from the prior year.

Capital Expenditures

$815K

YoY-54.5%

5Y CAGR-17.6%

10Y CAGR-10.3%

New Peoples Bank invested $815K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 54.5% from the prior year.

NWPP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.6M-5.7%	$3.8M-1.2%	$3.9M-2.1%	$4.0M+6.6%	$3.7M+15.8%	$3.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.1M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.2M-41.1%	$2.0M-78.4%	$9.1M+193.6%	$3.1M+15.0%	$2.7M-44.8%	$4.9M
Income Tax	$3.0M+41.8%	$2.1M+0.1%	$2.1M-6.6%	$2.3M+18.4%	$1.9M+76.1%	$1.1M
Net Income	$10.1M+23.1%	$8.2M+14.2%	$7.2M-11.1%	$8.1M+15.3%	$7.0M+142.6%	$2.9M
EPS (Diluted)	$0.43+22.9%	$0.35+16.7%	$0.30	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.0M+11.6%	$899K+2.5%	$877K-8.7%	$961K-3.4%	$995K+2.9%	$967K+5.7%	$915K-7.4%	$988K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$298K+1.4%	$294K+0.7%	$292K+110.5%	-$2.8M-621.3%	$534K+0.2%	$533K-85.5%	$3.7M+18.8%	$3.1M
Income Tax	$812K+8.1%	$751K+28.6%	$584K+19.4%	$489K-21.3%	$621K+22.2%	$508K-4.3%	$531K+1.1%	$525K
Net Income	$2.8M+8.9%	$2.5M+32.7%	$1.9M-27.3%	$2.6M+24.6%	$2.1M+25.2%	$1.7M-5.7%	$1.8M+15.2%	$1.6M
EPS (Diluted)	$0.12+9.1%	$0.11+37.5%	$0.08	N/A	$0.09+28.6%	$0.07-12.5%	$0.08	N/A

NWPP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$909.7M+6.4%	$854.9M+3.5%	$826.3M+6.6%	$775.4M-2.4%	$794.6M+5.1%	$756.3M
Current Assets	$95.1M	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$77.2M+14.1%	$67.7M+4.1%	$65.0M+5.3%	$61.7M+1.2%	$60.9M-34.0%	$92.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$826.8M+5.4%	$784.2M+3.0%	$761.5M+6.0%	$718.1M-1.8%	$731.0M+4.7%	$698.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$82.9M+17.1%	$70.7M+9.1%	$64.8M+13.3%	$57.2M-10.1%	$63.6M+9.4%	$58.2M
Retained Earnings	$29.2M+39.1%	$21.0M+45.3%	$14.5M+62.1%	$8.9M+339.0%	$2.0M+140.8%	-$5.0M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$910.7M+2.0%	$892.9M+1.4%	$880.7M+3.0%	$854.9M-2.9%	$880.3M+3.0%	$854.7M+0.5%	$850.5M+2.9%	$826.3M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$80.7M+11.9%	$72.2M-13.4%	$83.3M+23.1%	$67.7M-34.8%	$103.7M+16.8%	$88.8M-0.1%	$88.8M+36.7%	$65.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$831.2M+1.6%	$818.1M+1.2%	$808.2M+3.1%	$784.2M-3.1%	$809.2M+2.6%	$788.4M+0.3%	$786.5M+3.3%	$761.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$79.5M+6.3%	$74.8M+3.1%	$72.6M+2.6%	$70.7M-0.5%	$71.1M+7.3%	$66.2M+3.5%	$64.0M-1.2%	$64.8M
Retained Earnings	$26.3M+11.7%	$23.6M+12.0%	$21.0M+0.1%	$21.0M+14.3%	$18.4M+13.0%	$16.3M+11.5%	$14.6M+0.9%	$14.5M

NWPP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$12.3M+47.5%	$8.3M+12.7%	$7.4M-46.5%	$13.8M+0.2%	$13.8M+61.0%	$8.6M
Capital Expenditures	$815K-54.5%	$1.8M+21.5%	$1.5M+169.2%	$548K-86.6%	$4.1M+91.2%	$2.1M
Free Cash Flow	$11.5M+75.4%	$6.6M+10.6%	$5.9M-55.4%	$13.3M+36.9%	$9.7M+50.9%	$6.4M
Investing Cash Flow	-$42.9M-65.0%	-$26.0M+43.3%	-$45.9M-1589.0%	$3.1M+103.9%	-$79.7M-517.6%	-$12.9M
Financing Cash Flow	$40.2M+97.2%	$20.4M-51.2%	$41.8M+358.3%	-$16.2M-146.9%	$34.5M-25.9%	$46.5M
Dividends Paid	$1.7M0.0%	$1.7M+16.1%	$1.4M+19.6%	$1.2M	N/A	N/A
Share Buybacks	$212K-24.8%	$282K+19.0%	$237K+38.6%	$171K	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$4.7M+66.5%	$2.8M+38.7%	$2.0M+40.2%	$1.4M-51.0%	$3.0M+81.3%	$1.6M-29.6%	$2.3M+116.9%	$1.1M
Capital Expenditures	N/A	N/A	$268K+155.2%	$105K-47.2%	$199K-83.3%	$1.2M+297.7%	$299K-5.4%	$316K
Free Cash Flow	N/A	N/A	$1.8M+31.2%	$1.3M-51.2%	$2.8M+525.9%	$440K-78.2%	$2.0M+168.3%	$751K
Investing Cash Flow	-$8.5M+64.4%	-$24.0M-187.6%	-$8.3M+34.3%	-$12.7M-52.8%	-$8.3M-105.9%	-$4.0M-300.1%	-$1.0M+90.1%	-$10.2M
Financing Cash Flow	$12.4M+76.5%	$7.0M-71.8%	$24.9M+200.3%	-$24.8M-222.5%	$20.3M+759.3%	$2.4M-89.5%	$22.6M+6.2%	$21.2M
Dividends Paid	N/A	N/A	$1.9M	$0	N/A	N/A	$1.7M	$0
Share Buybacks	$74K+94.7%	$38K-44.1%	$68K+58.1%	$43K-32.8%	$64K-28.9%	$90K+5.9%	$85K-5.6%	$90K

NWPP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	278.9%+65.1pp	213.8%+28.9pp	184.9%-18.8pp	203.6%+15.4pp	188.2%+98.4pp	89.8%
Return on Equity	12.2%+0.6pp	11.6%+0.5pp	11.1%-3.0pp	14.1%+3.1pp	11.0%+6.1pp	5.0%
Return on Assets	1.1%+0.2pp	1.0%+0.1pp	0.9%-0.2pp	1.0%+0.2pp	0.9%+0.5pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.98-1.1	11.09-0.7	11.75-0.8	12.55+1.1	11.49-0.5	12.00
FCF Margin	317.3%+146.6pp	170.7%+18.2pp	152.5%-182.2pp	334.7%+74.0pp	260.6%+60.7pp	200.0%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	275.0%-6.7pp	281.6%+64.1pp	217.6%-55.7pp	273.3%+61.4pp	211.9%+37.7pp	174.2%-21.0pp	195.2%+38.3pp	156.9%
Return on Equity	3.5%+0.1pp	3.4%+0.7pp	2.6%-1.1pp	3.7%+0.7pp	3.0%+0.4pp	2.5%-0.3pp	2.8%+0.4pp	2.4%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%+0.1pp	0.2%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.45-0.5	10.93-0.2	11.14+0.1	11.09-0.3	11.39-0.5	11.90-0.4	12.29+0.5	11.75
FCF Margin	N/A	N/A	200.9%+61.2pp	139.8%-137.0pp	276.8%+231.3pp	45.5%-174.7pp	220.2%+144.2pp	76.0%

Frequently Asked Questions

What is New Peoples Bank's annual revenue?

New Peoples Bank (NWPP) reported $3.6M in total revenue for fiscal year 2025. This represents a -5.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is New Peoples Bank's revenue growing?

New Peoples Bank (NWPP) revenue declined by 5.7% year-over-year, from $3.8M to $3.6M in fiscal year 2025.

Is New Peoples Bank profitable?

Yes, New Peoples Bank (NWPP) reported a net income of $10.1M in fiscal year 2025, with a net profit margin of 278.9%.

What is New Peoples Bank's net profit margin?

New Peoples Bank (NWPP) had a net profit margin of 278.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does New Peoples Bank pay dividends?

Yes, New Peoples Bank (NWPP) paid $0.07 per share in dividends during fiscal year 2025.

What is New Peoples Bank's return on equity (ROE)?

New Peoples Bank (NWPP) has a return on equity of 12.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is New Peoples Bank's free cash flow?

New Peoples Bank (NWPP) generated $11.5M in free cash flow during fiscal year 2025. This represents a 75.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is New Peoples Bank's operating cash flow?

New Peoples Bank (NWPP) generated $12.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are New Peoples Bank's total assets?

New Peoples Bank (NWPP) had $909.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are New Peoples Bank's capital expenditures?

New Peoples Bank (NWPP) invested $815K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does New Peoples Bank buy back shares?

Yes, New Peoples Bank (NWPP) spent $212K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does New Peoples Bank have outstanding?

New Peoples Bank (NWPP) had 24M shares outstanding as of fiscal year 2025.

What is New Peoples Bank's debt-to-equity ratio?

New Peoples Bank (NWPP) had a debt-to-equity ratio of 9.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is New Peoples Bank's return on assets (ROA)?

New Peoples Bank (NWPP) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is New Peoples Bank's Piotroski F-Score?

New Peoples Bank (NWPP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are New Peoples Bank's earnings high quality?

New Peoples Bank (NWPP) has an earnings quality ratio of 1.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is New Peoples Bank?

New Peoples Bank (NWPP) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.