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Old Point Financial NasdaqCM:OPOF Stock Report

Last Price

US$29.95

Market Cap

US$152.0m

7D

0.1%

1Y

77.9%

Updated

01 Apr, 2025

Data

Company Financials

Old Point Financial Corporation

NasdaqCM:OPOF Stock Report

Market Cap: US$152.0m

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 for individual and commercial customers in Virginia. More details

OPOF fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends4/6

Rewards

Price-To-Earnings ratio (16x) is below the US market (17.5x)

Earnings grew by 23% over the past year

Pays a reliable dividend of 1.87%

Risk Analysis

No risks detected for OPOF from our risk checks.

Community vs My Fair Value

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Old Point Financial Corporation Competitors

Peoples Bancorp of North Carolina

NasdaqGM:PEBK

US$148.6m

CB Financial Services

NasdaqGM:CBFV

US$145.7m

Franklin Financial Services

NasdaqCM:FRAF

US$157.4m

BankFinancial

NasdaqGS:BFIN

US$157.5m

Price History & Performance

Summary of share price highs, lows and changes for Old Point Financial
Historical stock prices
Current Share PriceUS$29.95
52 Week HighUS$30.95
52 Week LowUS$13.49
Beta0.18
1 Month Change-2.41%
3 Month Change14.93%
1 Year Change77.85%
3 Year Change17.68%
5 Year Change112.41%
Change since IPO167.41%

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) Is Paying Out A Dividend Of $0.14

Old Point Financial (NASDAQ:OPOF) Has Announced A Dividend Of $0.14

Aug 25
Old Point Financial (NASDAQ:OPOF) Has Announced A Dividend Of $0.14

We Think Old Point Financial Corporation's (NASDAQ:OPOF) CEO Compensation Package Needs To Be Put Under A Microscope

May 23
We Think Old Point Financial Corporation's (NASDAQ:OPOF) CEO Compensation Package Needs To Be Put Under A Microscope

Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14

Feb 25
Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14

Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth Watching

Jul 24
Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth Watching

Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13

Nov 22
Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13

Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?

Sep 17
Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?

Old Point Financial declares $0.13 dividend

Aug 17

Old Point Financial GAAP EPS of $0.37, revenue of $13.82M

Jul 26

Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13

Nov 20
Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13

Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13

Aug 21
Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13

Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?

May 05
Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?

Old Point Financial reports Q1 results

Apr 27

Reflecting on Old Point Financial's (NASDAQ:OPOF) Share Price Returns Over The Last Three Years

Jan 06
Reflecting on Old Point Financial's (NASDAQ:OPOF) Share Price Returns Over The Last Three Years

Why You Might Be Interested In Old Point Financial Corporation (NASDAQ:OPOF) For Its Upcoming Dividend

Nov 26
Why You Might Be Interested In Old Point Financial Corporation (NASDAQ:OPOF) For Its Upcoming Dividend

Shareholder Returns

OPOFUS BanksUS Market
7D0.1%-3.4%-3.0%
1Y77.9%15.5%7.5%

Return vs Industry: OPOF exceeded the US Banks industry which returned 15.2% over the past year.

Return vs Market: OPOF exceeded the US Market which returned 6.1% over the past year.

Price Volatility

Is OPOF's price volatile compared to industry and market?
OPOF volatility
OPOF Average Weekly Movement3.6%
Banks Industry Average Movement3.8%
Market Average Movement6.4%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

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 (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1922291Rob Shufordwww.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 for individual and commercial customers in Virginia. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans.

Old Point Financial Corporation Fundamentals Summary

How do Old Point Financial's earnings and revenue compare to its market cap?
OPOF fundamental statistics
Market capUS$152.03m
Earnings (TTM)US$9.51m
Revenue (TTM)US$60.91m

16.0x

P/E Ratio

1.3x

P/B Ratio

Is OPOF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OPOF income statement (TTM)
RevenueUS$60.91m
Cost of RevenueUS$0
Gross ProfitUS$60.91m
Other ExpensesUS$51.41m
EarningsUS$9.51m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.87
Gross Margin100.00%
Net Profit Margin15.61%
Debt/Equity Ratio64.7%

How did OPOF perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

30%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/01 05:26
End of Day Share Price 2025/04/01 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Allan BachDavenport & Company