Old Point Financial (OPOF) Stock Overview
Operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia, the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
No risks detected for OPOF from our risk checks.
OPOF Community Fair Values
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Old Point Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$41.89 |
| 52 Week High | US$42.00 |
| 52 Week Low | US$17.02 |
| Beta | -0.32 |
| 1 Month Change | 4.52% |
| 3 Month Change | 5.49% |
| 1 Year Change | 128.91% |
| 3 Year Change | 76.23% |
| 5 Year Change | 169.74% |
| Change since IPO | 274.02% |
Recent News & Updates
Recent updates
Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14
Nov 26
Old Point Financial (NASDAQ:OPOF) Has Announced A Dividend Of $0.14
Aug 25We Think Old Point Financial Corporation's (NASDAQ:OPOF) CEO Compensation Package Needs To Be Put Under A Microscope
May 23Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14
Feb 25Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth Watching
Jul 24Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13
Nov 22Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?
Sep 17Old Point Financial declares $0.13 dividend
Aug 17Old Point Financial GAAP EPS of $0.37, revenue of $13.82M
Jul 26Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13
Nov 20Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13
Aug 21Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?
May 05Shareholder Returns
| OPOF | US Banks | US Market | |
|---|---|---|---|
| 7D | 4.7% | 4.1% | 1.6% |
| 1Y | 128.9% | 25.8% | 17.4% |
Return vs Industry: OPOF exceeded the US Banks industry which returned 26.8% over the past year.
Return vs Market: OPOF exceeded the US Market which returned 19.4% over the past year.
Price Volatility
| OPOF volatility | |
|---|---|
| OPOF Average Weekly Movement | 2.4% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in US Market | 17.3% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: OPOF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: OPOF's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1922 | 260 | Rob Shuford | www.oldpoint.com |
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia, the United States. It operates through Bank, Wealth, and Parent segments. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits.
Old Point Financial Corporation Fundamentals Summary
| OPOF fundamental statistics | |
|---|---|
| Market cap | US$213.80m |
| Earnings (TTM) | US$8.66m |
| Revenue (TTM) | US$60.35m |
Is OPOF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OPOF income statement (TTM) | |
|---|---|
| Revenue | US$60.35m |
| Cost of Revenue | US$0 |
| Gross Profit | US$60.35m |
| Other Expenses | US$51.69m |
| Earnings | US$8.66m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.70 |
| Gross Margin | 100.00% |
| Net Profit Margin | 14.35% |
| Debt/Equity Ratio | 58.8% |
How did OPOF perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/08/14 11:49 |
| End of Day Share Price | 2025/08/14 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Old Point Financial Corporation is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Allan Bach | Davenport & Company |