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New Peoples Bankshares cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.0M in Q2 2026 · $15.3M over twelve months

Operating cash flow$4.0M
Free cash flow+$4.0M
Cash / net income1.2×

Analysis

In Q2 2026, New Peoples Bankshares generated $4.0M of operating cash flow. That is $1.2M more than in Q2 2025 ($2.8M).

Over the twelve months to Jun 30, 2026, operating cash flow was $15.3M; the largest uses were other investing ($38.4M), buybacks ($204K); besides operations, cash came from other financing ($35.5M); the cash balance rose by $12.2M.

Operating cash flow was $4.0M against net income of $3.5M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$312K, prepaid and other assets +$276K, accrued liabilities −$248K.

Free cash flow

New Peoples Bankshares: free cash flow by quarterNew Peoples Bankshares: free cash flow by quarter$2.8MQ3 2024$1.3MQ4 2024$1.8MQ1 2025$2.8MQ2 2025$4.7MQ3 2025$2.8MQ4 2025$3.8MQ1 2026$4.0MQ2 2026
Operating cash flow less capital spending.
New Peoples Bankshares: operating cash flow against capital spendingNew Peoples Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$3.0M$199KQ3 2024$1.4M$105KQ4 2024$2.0M$268KQ1 2025$2.8M$0Q2 2025$4.7M$0Q3 2025$2.8M$0Q4 2025$3.8M$0Q1 2026$4.0M$0Q2 2026
Latest (Q2 2026): Operating cash flow $4.0M, Capital spending $0.

Capital allocation, year by year

New Peoples Bankshares: where the cash came from (up) and went (down), by fiscal yearNew Peoples Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksFY2021: Operating cash flow $13.8MFY2021: Net borrowing −$5.0MFY2021: Asset sales $1.2MFY2021: Capital spending −$4.1M$15.0MFY2021FY2022: Operating cash flow $13.8MFY2022: Capital spending −$548KFY2022: Buybacks −$171K$13.8MFY2022FY2023: Operating cash flow $7.4MFY2023: Net borrowing $29.4MFY2023: Capital spending −$1.5MFY2023: Buybacks −$237K$36.8MFY2023FY2024: Operating cash flow $8.3MFY2024: Net borrowing −$11.2MFY2024: Capital spending −$1.8MFY2024: Buybacks −$282K$8.3MFY2024FY2025: Operating cash flow $12.3MFY2025: Net borrowing −$6.0MFY2025: Capital spending −$815KFY2025: Buybacks −$212K$12.3MFY2025
Over these 5 years operating cash flow totalled $55.7M; the largest uses were net borrowing ($22.2M) and capital spending ($8.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$84.3M
Debtnone
Net cash$84.3M

New Peoples Bankshares funds itself: free cash flow was $15.3M over the last twelve months, with $84.3M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

New Peoples Bankshares: sources (+) and uses (−) of cash, Q2 2026New Peoples Bankshares: sources (+) and uses (−) of cash, Q2 2026Other investing−$12.4MCash drawn (+) / kept (−)$8.6MOperating cash flow$4.0MOther financing−$175KBuybacks−$57K
New Peoples Bankshares: sources (+) and uses (−) of cash, TTM to Q2 2026New Peoples Bankshares: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$38.4MOther financing$35.5MOperating cash flow$15.3MCash drawn (+) / kept (−)−$12.2MBuybacks−$204K

From profit to cash

New Peoples Bankshares: net income to operating cash flow, Q2 2026New Peoples Bankshares: net income to operating cash flow, Q2 2026Net income$3.5MDepreciation & amortization$312KAccrued liabilities−$248KPrepaid and other assets$276KOperating cash flow$4.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q2 2026$4.0M—−$57K—$8.6M$4.0M
Q1 2026$3.8M—−$41K—−$15.7M$3.8M
Q4 2025$2.8M—−$32K−$3.0M$3.5M$2.8M
Q3 2025$4.7M—−$74K—−$8.6M$4.7M
Q2 2025$2.8M—−$38K—$11.1M$2.8M
Q1 2025$2.0M−$268K−$68K−$3.0M−$15.6M$1.8M
Q4 2024$1.4M−$105K−$43K—$36.1M$1.3M
Q3 2024$3.0M−$199K−$64K—−$14.9M$2.8M

New Peoples Bankshares: income statement and cash flow

New Peoples Bankshares, Q2 2026: revenue $11.9M (+13% year over year), operating margin 37.7%. The chart follows the revenue to costs, profit and cash.

New Peoples Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.