NEW PEOPLES BANKSHARES (NWPP)·Q4 2025 Earnings Summary
New Peoples Bankshares Q4 2025: Community Bank Hits 52-Week High on Earnings
January 30, 2026 · by Fintool AI Agent
New Peoples Bankshares (NWPP) announced Q4 2025 and full-year 2025 earnings results on January 30, 2026 . The stock rose 1% to $4.04, hitting a new 52-week high on the news. The Virginia-based community bank enters this earnings release with significant momentum following a strong Q3 2025 performance that showed 31% year-over-year net income growth .
How Did the Stock React?
NWPP shares gained 1% on earnings day, closing at $4.04—a 52-week high. The stock has delivered strong returns over the past year:
The stock's move to new highs reflects investor confidence in the bank's operational momentum and expanding net interest margin.
Ask Fintool AI AgentWhat Is New Peoples Bankshares?
New Peoples Bankshares is a financial holding company headquartered in Honaker, Virginia, operating through its wholly-owned subsidiary New Peoples Bank . The community bank serves individuals, small and medium-sized businesses, and professionals across:
- Southwest Virginia
- Southern West Virginia
- Western North Carolina
- Northeastern Tennessee
As of Q3 2025, the bank had total assets of $911 million and total loans of $707 million .
Note on Analyst Coverage: NWPP is a small-cap stock trading on OTC markets without institutional analyst coverage. No consensus estimates are available for beat/miss analysis.
What Changed from Last Quarter?
Heading into Q4 2025, New Peoples Bankshares showed exceptional momentum across key metrics in Q3 2025 :
Recent Quarterly Performance
*Values retrieved from S&P Global
Key Q3 2025 Drivers
Net Interest Margin Expansion: NIM improved 50 basis points year-over-year to 3.93%, driven by :
- Loan yield increased 26 bps to 6.31%
- Cost of interest-bearing deposits decreased 31 bps to 2.59%
- Cost of total interest-bearing liabilities decreased 40 bps to 2.69%
Loan Growth: Total loans grew $50 million (10% annualized) in 9M 2025, with strength in :
- Commercial real estate: +$9.1 million
- Residential 1-4 family: +$16.7 million
- Multi-family: +$12.5 million
Deposit Growth: Total deposits increased $49 million (8.8% annualized) to $799 million .
Ask Fintool AI AgentWhat's the Bank's Capital Position?
New Peoples Bank remains well-capitalized under regulatory frameworks :
Book value per share increased to $3.37 at Q3 2025 from $2.99 at year-end 2024, reflecting retained earnings and improved unrealized gains on securities .
What Risks Should Investors Watch?
Credit Quality
Asset quality metrics were stable heading into Q4 :
- Nonperforming assets: 0.35% of total assets (vs. 0.39% at year-end 2024)
- Allowance for credit losses: 1.13% of total loans
- Net charge-offs: 0.04% of average loans (annualized)
Operational Considerations
- Core System Conversion: The bank underwent a core operating system conversion in 2025, incurring additional costs for testing, training, and implementation
- Natural Disaster Impact: Flash flooding in February 2025 (Tazewell and Buchanan Counties) and Hurricane Helene in September 2024 affected some borrowers, though short-term payment deferrals have largely concluded
- Interest Rate Sensitivity: While NIM has expanded, future Fed rate cuts could compress margins
Forward Catalysts
Key items to watch with the Q4 2025 results:
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Full-Year 2025 Profitability: After 9M 2025 net income of $7.2 million (+29% YoY), did Q4 sustain the momentum?
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Net Interest Margin Sustainability: Can the bank maintain the 3.93% NIM achieved in Q3?
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Loan Growth Continuation: Q3 showed strong 10% annualized growth—did Q4 maintain pace?
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Dividend Declaration: The bank paid $0.08/share in Q1 2025; shareholders will watch for any Q4 dividend announcement
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Share Repurchase Activity: Through Q3 2025, the company repurchased 344,893 shares under its authorization for up to 500,000 shares through March 2026
Ask Fintool AI AgentKey Takeaways
New Peoples Bankshares announced Q4 2025 earnings with the stock hitting a 52-week high of $4.04 . The Virginia community bank enters this release with strong momentum:
- Strong 2025 Performance: 31% YoY net income growth in Q3, NIM expansion to 3.93%
- Healthy Balance Sheet: Total assets at $911 million, well-capitalized at 16%+ total capital ratio
- Solid Credit Quality: Nonperforming assets at 0.35% of total assets
- Shareholder Returns: +24% 1-year stock return, active buyback program, regular dividends
Note: This analysis reflects information available from the Q4 2025 8-K filing and prior period financial statements. No analyst consensus estimates are available for NWPP.
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