View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsOld Point Financial 過去の業績過去 基準チェック /56Old Point Financialは、平均年間5.3%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間2.8% 5.1%収益成長率で 成長しています。 Old Point Financialの自己資本利益率は7.3%であり、純利益率は14.2%です。主要情報5.34%収益成長率6.18%EPS成長率Banks 業界の成長11.18%収益成長率5.10%株主資本利益率7.33%ネット・マージン14.20%前回の決算情報30 Jun 2025最近の業績更新Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.24 (vs US$0.50 in 2Q 2024)Second quarter 2025 results: EPS: US$0.24 (down from US$0.50 in 2Q 2024). Revenue: US$15.0m (down 2.4% from 2Q 2024). Net income: US$1.24m (down 51% from 2Q 2024). Profit margin: 8.3% (down from 17% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.Reported Earnings • Apr 04Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Net interest margin (NIM): 3.55% (down from 3.62% in FY 2023). Cost-to-income ratio: 80.2% (down from 81.0% in FY 2023). Non-performing loans: 0.07% (down from 0.18% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 12% per year, which means it is tracking significantly ahead of earnings growth.Reported Earnings • Jan 31Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.お知らせ • Jan 31Old Point Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Old Point Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2024. Quarterly annualized net charge-offs as a percentage of average loans outstanding were 0.16% for the fourth quarter of 2024, compared to 0.18% for the third quarter of 2024 and 0.39% for the fourth quarter of 2023.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.47 (vs US$0.27 in 3Q 2023)Third quarter 2024 results: EPS: US$0.47 (up from US$0.27 in 3Q 2023). Revenue: US$15.5m (up 7.6% from 3Q 2023). Net income: US$2.38m (up 75% from 3Q 2023). Profit margin: 15% (up from 9.5% in 3Q 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.50 (vs US$0.36 in 2Q 2023)Second quarter 2024 results: EPS: US$0.50 (up from US$0.36 in 2Q 2023). Revenue: US$15.3m (flat on 2Q 2023). Net income: US$2.53m (up 40% from 2Q 2023). Profit margin: 17% (up from 12% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.すべての更新を表示Recent updatesお知らせ • Sep 03+ 2 more updatesOld Point Financial Corporation Requests Nasdaq to Withdraw Its Common Stock from Listing on Nasdaq Before the Opening of Trading on September 2, 2025On September 1, 2025, Old Point Financial Corporation, a Virginia corporation (Old Point") and The Old Point National Bank of Phoebus, a nationally chartered banking association and wholly owned subsidiary of Old Point (Old Point National Bank") completed their previously announced mergers with TowneBank, a Virginia banking corporation (TowneBank"). Pursuant to the terms of the Agreement and Plan of Merger, dated as of April 2, 2025 (the Merger Agreement"), by and among TowneBank, Old Point and Old Point National Bank, Old Point merged with and into TowneBank (the Old Point merger"), and immediately thereafter and contemporaneously therewith, Old Point National Bank merged with and into TowneBank (together with the Old Point merger, the Merger"), with TowneBank surviving the Merger. As a result of the Merger, Old Point no longer fulfills the listing requirements of the Nasdaq Capital Market (Nasdaq"). On August 29, 2025, Old Point notified Nasdaq that the transactions contemplated by the Merger Agreement were expected to close on September 1, 2025. Old Point requested that Nasdaq (i) suspend trading in shares of Old Point common stock before the opening of trading on September 2, 2025, (ii) withdraw Old Point common stock from listing on Nasdaq before the opening of trading on September 2, 2025 and (iii) file with the Securities and Exchange Commission (the SEC") a notification of delisting of Old Point common stock on Form 25 under Section 12(b) of the Securities Exchange Act of 1934, as amended (the Exchange Act"). As a result, Old Point common stock is no longer listed on Nasdaq. In furtherance of the foregoing, TowneBank, as successor to Old Point, intends to file with the SEC certifications on Form 15 under the Exchange Act to deregister Old Point common stock under Section 12(g) of the Exchange Act and the corresponding immediate suspension of Old Point's reporting obligations under Sections 13 and 15(d) of the Exchange Act as promptly as practicable, and to cease filing any further periodic reports with respect to Old Point since it no longer exists as a separate legal entity as a result of the Merger.Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.24 (vs US$0.50 in 2Q 2024)Second quarter 2025 results: EPS: US$0.24 (down from US$0.50 in 2Q 2024). Revenue: US$15.0m (down 2.4% from 2Q 2024). Net income: US$1.24m (down 51% from 2Q 2024). Profit margin: 8.3% (down from 17% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.Declared Dividend • Jun 01First quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 9th June 2025 Payment date: 30th June 2025 Dividend yield will be 1.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 7.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • May 28Old Point Financial Corporation Announces Quarterly Cash Dividend, Payable on June 30, 2025Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 30, 2025 to shareholders of record as of June 9, 2025. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $39.01 on May 23, 2025, the annual dividend yield is approximately 1.4%.Reported Earnings • Apr 04Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Net interest margin (NIM): 3.55% (down from 3.62% in FY 2023). Cost-to-income ratio: 80.2% (down from 81.0% in FY 2023). Non-performing loans: 0.07% (down from 0.18% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 12% per year, which means it is tracking significantly ahead of earnings growth.Buy Or Sell Opportunity • Apr 03Now 24% overvalued after recent price riseOver the last 90 days, the stock has risen 42% to US$36.82. The fair value is estimated to be US$29.73, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 5.1% over the last 3 years, while earnings per share has been flat.お知らせ • Apr 03TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million.TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million on April 2, 2025. Under the terms of the agreement, shareholders of Old Point will elect to receive either $41.00 in cash or 1.1400 shares of TowneBank common stock for each share of Old Point outstanding common stock. This corresponds to an aggregate transaction value of approximately $203 million, based on Old Point common stock currently outstanding. Old Point shareholders will have the right to elect cash or stock consideration so long as the total stock consideration issued represents between 50% and 60% of the total consideration paid. In consideration of the transaction, extensive due diligence was performed by the management teams of TowneBank and Old Point. The transaction is expected to close in the second half of 2025 and is subject to customary conditions, including regulatory approval, as well as the approval of Old Point’s shareholders. The definitive agreement was approved by the boards of directors of Old Point and TowneBank. Piper Sandler & Co. served as the financial advisor and Wachtell, Lipton, Rosen & Katz served as lead legal counsel with Williams Mullen as local counsel to TowneBank in the transaction. Keefe, Bruyette & Woods served as the financial advisor and Troutman Pepper Locke LLP served as legal counsel to Old Point in the transaction.Declared Dividend • Feb 23Fourth quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th March 2025 Payment date: 28th March 2025 Dividend yield will be 1.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 4.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Feb 20Old Point Financial Corporation Declares Quarterly Cash Dividend on Common Stock, Payable on March 28, 2025Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on March 28, 2025 to shareholders of record as of March 5, 2025. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $29.73 on February 18, 2025, the annual dividend yield is approximately 1.9%.Valuation Update With 7 Day Price Move • Feb 14Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$29.50, the stock trades at a trailing P/E ratio of 15.8x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 31% over the past three years.Reported Earnings • Jan 31Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.お知らせ • Jan 31Old Point Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Old Point Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2024. Quarterly annualized net charge-offs as a percentage of average loans outstanding were 0.16% for the fourth quarter of 2024, compared to 0.18% for the third quarter of 2024 and 0.39% for the fourth quarter of 2023.Buy Or Sell Opportunity • Dec 18Now 21% undervaluedOver the last 90 days, the stock has risen 33% to US$23.36. The fair value is estimated to be US$29.71, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.2% over the last 3 years, while earnings per share has been flat.分析記事 • Nov 26Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14Old Point Financial Corporation ( NASDAQ:OPOF ) will pay a dividend of $0.14 on the 27th of December. This payment...Declared Dividend • Nov 25Third quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 4th December 2024 Payment date: 27th December 2024 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.7% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Nov 21Old Point Financial Corporation Announces Quarterly Dividend, Payable on December 27, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on December 27, 2024 to shareholders of record as of December 4, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $20.30 on November 19, 2024, the annual dividend yield is approximately 2.76%.お知らせ • Nov 09+ 1 more updateOld Point Financial Corporation Announces the Appointment of Cathy W. Liles as Senior Vice PresidentOld Point Financial Corporation announced the appointment of Cathy W. Liles as Senior Vice President. Cathy has served as Old Point's Interim Chief Financial Officer since July of this year. Liles joined Old Point in May 2024 as Senior Vice President and Chief Accounting Officer. Previously, she had served as Senior Vice President and Chief Accounting Officer at American National Bankshares Inc., Senior Vice President and Chief Financial Officer for Carter Bank & Trust, and prior to that, as a partner in the accounting firm Forvis LLP (previously named Dixon Hughes Goodman). Liles is a Certified Public Accountant and holds her B.S. in Accounting from Belmont Abby College in North Carolina. She is also a member of the Virginia Bankers Association's CFO Committee.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.47 (vs US$0.27 in 3Q 2023)Third quarter 2024 results: EPS: US$0.47 (up from US$0.27 in 3Q 2023). Revenue: US$15.5m (up 7.6% from 3Q 2023). Net income: US$2.38m (up 75% from 3Q 2023). Profit margin: 15% (up from 9.5% in 3Q 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.分析記事 • Aug 25Old Point Financial (NASDAQ:OPOF) Has Announced A Dividend Of $0.14Old Point Financial Corporation ( NASDAQ:OPOF ) will pay a dividend of $0.14 on the 27th of September. Based on this...Declared Dividend • Aug 25Second quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 4th September 2024 Payment date: 27th September 2024 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Aug 22Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on September 27, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on September 27, 2024 to shareholders of record as of September 4, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $18.39 on August 20, 2024, the annual dividend yield is approximately 3.05%.Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.50 (vs US$0.36 in 2Q 2023)Second quarter 2024 results: EPS: US$0.50 (up from US$0.36 in 2Q 2023). Revenue: US$15.3m (flat on 2Q 2023). Net income: US$2.53m (up 40% from 2Q 2023). Profit margin: 17% (up from 12% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.Declared Dividend • May 26First quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th June 2024 Payment date: 28th June 2024 Dividend yield will be 3.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.6% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.分析記事 • May 23We Think Old Point Financial Corporation's (NASDAQ:OPOF) CEO Compensation Package Needs To Be Put Under A MicroscopeKey Insights Old Point Financial's Annual General Meeting to take place on 28th of May Salary of US$425.5k is part of...お知らせ • May 23Old Point Financial Corporation Announces Quarterly Dividend, Payable on June 28, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 28, 2024 to shareholders of record as of June 5, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $14.81on May 21, 2024, the annual dividend yield is approximately 3.8%.New Risk • May 02New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 11% Last year net profit margin: 17% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (11% net profit margin). Market cap is less than US$100m (US$70.8m market cap).お知らせ • May 01Old Point Financial Corporation Declares Dividends for the First Quarter of 2024Old Point Financial Corporation declared dividends of $0.14 per share for the first quarter of 2024. The dividend represents a payout ratio of 41.1% of earnings per share for the first quarter of 2024.Board Change • Apr 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 8 highly experienced directors. Independent Director Castleberry Golden was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Feb 27Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 05 March 2024. Payment date: 29 March 2024. Trailing yield: 3.3%. Lower than top quartile of American dividend payers (4.8%). In line with average of industry peers (3.1%).分析記事 • Feb 25Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14The board of Old Point Financial Corporation ( NASDAQ:OPOF ) has announced that it will pay a dividend of $0.14 per...Declared Dividend • Feb 25Fourth quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th March 2024 Payment date: 29th March 2024 Dividend yield will be 3.4%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 9.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Feb 22Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on March 29, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on March 29, 2024 to shareholders of record as of March 6, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $17.10 on February 20, 2024, the annual dividend yield is approximately 3.3%.Buy Or Sell Opportunity • Feb 07Now 21% undervaluedOver the last 90 days, the stock has risen 3.5% to US$17.10. The fair value is estimated to be US$21.76, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 15%.Reported Earnings • Feb 01Full year 2023 earnings released: EPS: US$1.54 (vs US$1.80 in FY 2022)Full year 2023 results: EPS: US$1.54 (down from US$1.80 in FY 2022). Revenue: US$59.5m (up 5.9% from FY 2022). Net income: US$7.73m (down 15% from FY 2022). Profit margin: 13% (down from 16% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.62% (no change from 3.62% in FY 2022). Cost-to-income ratio: 81.0% (up from 78.4% in FY 2022). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.お知らせ • Jan 31Old Point Financial Corporation Declares Dividend for the Fourth Quarter of 2023Old Point Financial Corporation announced for the fourth quarter of 2023, the Company declared dividends of $0.14 per share, an increase of 7.7% over dividends of $0.13 per share declared in the fourth quarter of 2022. The dividend represents a payout ratio of 47.6% of earnings per share for the fourth quarter of 2023 and 36.4% cumulatively for the year ended December 31, 2023.お知らせ • Jan 16Old Point Financial Corporation, Annual General Meeting, May 28, 2024Old Point Financial Corporation, Annual General Meeting, May 28, 2024, at 18:00 US Eastern Standard Time. Location: Hampton Roads Convention Center, 1610 Coliseum Dr, VA 23666 Hampton United Statesお知らせ • Dec 27Old Point Financial Corporation, The Old Point National Bank of Phoebus, Old Point Trust & Financial Services, N.A. Announces Retirement of Arthur D. Greene from Board of Directors, Effective December 31, 2023Old Point Financial Corporation announced that Dr. Arthur D. Greene is retiring from the Boards of Directors of the Company and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Wealth Company) effective as of December 31, 2023. Dr. Greene joined the Boards of Directors of the Company, Bank, and the Wealth Company in 1994 and currently serves on the Company's Executive, Audit, and Nominating and Corporate Governance Committees. Throughout his service, Dr. Greene served as Lead Independent Director for the Company for 14 years, the Lead Independent Director for the Wealth Company for 2 years, and the Chairman of the Board of the Wealth Company for 5 years.Buying Opportunity • Dec 11Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 2.1%. The fair value is estimated to be US$21.04, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.7% over the last 3 years. Earnings per share has grown by 17%.Upcoming Dividend • Nov 28Upcoming dividend of US$0.14 per share at 3.3% yieldEligible shareholders must have bought the stock before 05 December 2023. Payment date: 29 December 2023. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 3.3%. Lower than top quartile of American dividend payers (5.0%). In line with average of industry peers (3.6%).Buying Opportunity • Nov 24Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.1%. The fair value is estimated to be US$21.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.7% over the last 3 years. Earnings per share has grown by 17%.お知らせ • Nov 23Old Point Financial Corporation Declares Quarterly Dividend, Payable on December 29, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on December 29, 2023 to shareholders of record as of December 6, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $17.75 on November 21, 2023, the annual dividend yield is approximately 3.15%.Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.27 (vs US$0.51 in 3Q 2022)Third quarter 2023 results: EPS: US$0.27 (down from US$0.51 in 3Q 2022). Revenue: US$14.4m (flat on 3Q 2022). Net income: US$1.36m (down 46% from 3Q 2022). Profit margin: 9.5% (down from 18% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Buying Opportunity • Oct 19Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 14%. The fair value is estimated to be US$21.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 15%.お知らせ • Oct 19Old Point Financial Corporation and The Old Point National Bank of Phoebus Appoints Mr. Paul Pickett, as Chief Financial Officer, Effective October 24, 2023On October 18, 2023, Old Point Financial Corporation announced that the Company’s Board of Directors appointed Mr. Paul Pickett, age 55, to the position of Chief Financial Officer. The Old Point National Bank of Phoebus effective October 24, 2023. He will also serve as the Company’s Principal Financial and Accounting Officer. Mr. Pickett most recently served as Chief Financial Officer for First Region Bancshares Inc., which is headquartered in Richlands, Virginia and is the parent company of First Sentinel Bank and First Sentinel Financial Services. Prior to joining First Regions in 2020, he served as Chief Financial Officer of Odyssey Engines, LLC, a multistate aviation holding company for three years. Mr. Pickett spent 26 years in public accounting prior to those roles, working with community banks and bank holding companies of various sizes and complexity. Mr. Pickett holds his Bachelor of Business Administration in Accounting from Radford University and is a Certified Public Accountant. The material terms of Mr. Pickett’s compensation will include an initial base annual salary of $225,000, subject to annual performance reviews, and participation in the Company’s short- and long-term incentive plans. Information about the Company’s short- and long-term incentive plans is set forth in the Company’s proxy statement for its 2023 annual meeting of stockholders. Mr. Pickett will also be eligible to participate in the Bank’s employee benefit plans and programs on terms offered to similarly situated employees.お知らせ • Sep 09Elizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting Officeron July 5, 2023, Elizabeth T. Beale notified Old Point Financial Corporation of her decision to resign as Senior Vice President/Finance and principal financial and accounting officer of the Company and as Chief Financial Officer & Executive Vice President of the Bank. Ms. Beale remained with the Company in those roles until September 4, 2023, on which date her resignation from the Company and the Bank was effective. On September 1, 2023, in consideration of Ms. Beale’s contributions and dedicated service to the Company and the Bank, the Compensation and Benefits Committee of the Company’s Board of Directors accelerated the vesting (to such resignation date) of 984 shares of restricted stock held by Ms. Beale that otherwise would have vested on May 3, 2024, and 916 shares of restricted stock held by Ms. Beale that otherwise would have vested on May 3, 2025. Ms. Beale’s resignation was not the result of any disagreement with the Company or Bank on any matter relating to the Company’s or Bank’s operations, policies, practices, financial disclosures, accounting practices or internal controls.Upcoming Dividend • Aug 29Upcoming dividend of US$0.14 per share at 3.2% yieldEligible shareholders must have bought the stock before 05 September 2023. Payment date: 29 September 2023. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 3.2%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.7%).お知らせ • Aug 17Old Point Financial Corporation Declares Quarterly Dividend, Payable on September 29, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on September 29, 2023 to shareholders of record as of September 6, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $18.62 on August 15, 2023, the dividend yield is approximately 3.0%.Reported Earnings • Jul 28Second quarter 2023 earnings released: EPS: US$0.36 (vs US$0.37 in 2Q 2022)Second quarter 2023 results: EPS: US$0.36 (down from US$0.37 in 2Q 2022). Revenue: US$15.3m (up 15% from 2Q 2022). Net income: US$1.80m (down 4.8% from 2Q 2022). Profit margin: 12% (down from 14% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.分析記事 • Jul 24Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth WatchingInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...お知らせ • Jul 10+ 1 more updateElizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting OfficerOn July 5, 2023, Elizabeth T. Beale notified Old Point Financial Corporation of her decision to resign as Chief Financial Officer & Senior Vice President/Finance and principal financial and accounting officer of the Company and as Chief Financial Officer & Executive Vice President of The Old Point National Bank of Phoebus (the “Bank”), the Company’s wholly owned national bank subsidiary. Ms. Beale is expected to remain with the Company in her current roles until on or about September 4, 2023, to assist in the transition of her responsibilities. Ms. Beale’s resignation does not entitle her to additional compensation other than what she is entitled to under the Company’s existing plans. Ms. Beale’s resignation is not the result of any disagreement with the Company or Bank on any matter relating to the Company’s or Bank’s operations, policies, practices, financial disclosures, accounting practices or internal controls. The Company will be conducting a search for a new Chief Financial Officer. The Company thanks Ms. Beale for her dedication and contributions to the Company and the Bank; she has been an invaluable asset for the Company over the last five years and will be missed.Valuation Update With 7 Day Price Move • Jul 04Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$18.85, the stock trades at a trailing P/E ratio of 9.3x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 34% over the past three years.Upcoming Dividend • May 30Upcoming dividend of US$0.14 per share at 3.5% yieldEligible shareholders must have bought the stock before 06 June 2023. Payment date: 30 June 2023. Payout ratio is a comfortable 26% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of American dividend payers (5.2%). In line with average of industry peers (3.7%).お知らせ • May 28Old Point Financial Corporation Approves to Elect Sarah B. Castleberry as DirectorOld Point Financial Corporation at it's AGM approved to elect Sarah B. Castleberry as director.Valuation Update With 7 Day Price Move • May 24Investor sentiment improves as stock rises 24%After last week's 24% share price gain to US$18.66, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 29% over the past three years.お知らせ • May 18Old Point Financial Corporation Declares Quarterly Dividend, Payable on June 30, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 30, 2023 to shareholders of record as of June 7, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $15.00 on May 16, 2023, the dividend yield is approximately 3.7%.Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 24%After last week's 24% share price decline to US$17.21, the stock trades at a trailing P/E ratio of 8.5x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 8.4% over the past three years.Reported Earnings • Apr 06Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)Full year 2022 results: EPS: US$1.80 (up from US$1.61 in FY 2021). Revenue: US$56.2m (up 6.3% from FY 2021). Net income: US$9.11m (up 7.9% from FY 2021). Profit margin: 16% (in line with FY 2021). Net interest margin (NIM): 3.62% (up from 3.26% in FY 2021). Cost-to-income ratio: 78.4% (down from 80.0% in FY 2021). Non-performing loans: 0.20% (up from 0.18% in FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has increased by 16% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Feb 28Upcoming dividend of US$0.14 per share at 1.9% yieldEligible shareholders must have bought the stock before 07 March 2023. Payment date: 31 March 2023. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.0%).お知らせ • Feb 18Russell Smith Evans, Jr. Notifies Old Point Financial Corporation of His Intention to Retire from the Boards of DirectorOn February 13, 2023, Russell Smith Evans, Jr. notified Old Point Financial Corporation of his intention to retire from the Boards of Directors of the Company and its wholly-owned national bank subsidiary, The Old Point National Bank of Phoebus (the “Bank”), effective as of the Company’s 2023 Annual Meeting of Shareholders. Mr. Evans’ decision to retire is not a result of any disagreement between Mr. Evans and the Company on any matter relating to the Company’s or the Bank’s operations, policies or practices or any other matter.Reported Earnings • Jan 27Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)Full year 2022 results: EPS: US$1.80 (up from US$1.61 in FY 2021). Revenue: US$56.2m (up 6.3% from FY 2021). Net income: US$9.11m (up 7.9% from FY 2021). Profit margin: 16% (in line with FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Dec 21Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$27.95, the stock trades at a trailing P/E ratio of 17.2x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 5.9% over the past three years.Upcoming Dividend • Nov 29Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 06 December 2022. Payment date: 30 December 2022. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (2.9%).分析記事 • Nov 22Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13Old Point Financial Corporation ( NASDAQ:OPOF ) has announced that it will pay a dividend of $0.13 per share on the...Reported Earnings • Nov 20Third quarter 2022 earnings released: EPS: US$0.51 (vs US$0.36 in 3Q 2021)Third quarter 2022 results: EPS: US$0.51 (up from US$0.36 in 3Q 2021). Revenue: US$14.5m (up 11% from 3Q 2021). Net income: US$2.54m (up 33% from 3Q 2021). Profit margin: 18% (up from 14% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.お知らせ • Nov 18Old Point Financial Corporation Declares Quarterly Dividend, Payable on December 30, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on December 30, 2022 to shareholders of record as of December 7, 2022.Reported Earnings • Oct 28Third quarter 2022 earnings released: EPS: US$0.51 (vs US$0.36 in 3Q 2021)Third quarter 2022 results: EPS: US$0.51 (up from US$0.36 in 3Q 2021). Revenue: US$14.5m (up 11% from 3Q 2021). Net income: US$2.54m (up 33% from 3Q 2021). Profit margin: 18% (up from 14% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year and the company’s share price has also increased by 3% per year.分析記事 • Sep 17Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Valuation Update With 7 Day Price Move • Sep 16Investor sentiment improved over the past weekAfter last week's 21% share price gain to US$28.32, the stock trades at a trailing P/E ratio of 18.9x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.Upcoming Dividend • Aug 30Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 06 September 2022. Payment date: 30 September 2022. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (4.2%). Lower than average of industry peers (3.1%).お知らせ • Aug 18Old Point Financial Corporation Declares Quarterly Dividend, to Be Paid on September 30, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on September 30, 2022 to shareholders of record as of September 7, 2022. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $23.50 on August 16, 2022, the dividend yield is approximately 2.2%.Seeking Alpha • Aug 17Old Point Financial declares $0.13 dividendOld Point Financial (NASDAQ:OPOF) declares $0.13/share quarterly dividend, in line with previous. Forward yield 2.21% Payable Sept. 30; for shareholders of record Sept. 7; ex-div Sept. 6. See OPOF Dividend Scorecard, Yield Chart, & Dividend Growth.お知らせ • Jul 28Old Point Financial Corporation Declares Dividend for the Second Quarter of 2022Old Point Financial Corporation announced that for the second quarter of 2022 the company declared dividends of $0.13 per share, an increase of 8.3% over dividends of $0.12 per share declared in the second quarter of 2021.Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.37 (vs US$0.35 in 2Q 2021)Second quarter 2022 results: EPS: US$0.37 (up from US$0.35 in 2Q 2021). Revenue: US$13.3m (up 4.8% from 2Q 2021). Net income: US$1.89m (up 2.7% from 2Q 2021). Profit margin: 14% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 3% per year.Seeking Alpha • Jul 26Old Point Financial GAAP EPS of $0.37, revenue of $13.82MOld Point Financial press release (NASDAQ:OPOF): Q2 GAAP EPS of $0.37. Revenue of $13.82M (+8.8% Y/Y).Upcoming Dividend • May 24Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 24 June 2022. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.1%). Lower than average of industry peers (3.1%).お知らせ • May 19Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on June 24, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on June 24, 2022 to shareholders of record as of June 1, 2022.Reported Earnings • Apr 29First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.39 (down from US$0.58 in 1Q 2021). Revenue: US$13.1m (down 7.7% from 1Q 2021). Net income: US$2.03m (down 33% from 1Q 2021). Profit margin: 16% (down from 21% in 1Q 2021). Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 7% per year.Reported Earnings • Apr 02Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$1.03 in FY 2020). Revenue: US$52.9m (up 9.2% from FY 2020). Net income: US$8.44m (up 57% from FY 2020). Profit margin: 16% (up from 11% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.26% (up from 3.19% in FY 2020). Non-performing loans: 0.18% (down from 0.23% in FY 2020). Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 5% per year.Upcoming Dividend • Feb 22Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 01 March 2022. Payment date: 25 March 2022. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (3.6%). In line with average of industry peers (2.3%).お知らせ • Feb 17Old Point Financial Corporation Declares Quarterly Dividend, Payable on March 25, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on March 25, 2022 to shareholders of record as of March 2, 2022. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $24.45 on February 15, 2022, the dividend yield is approximately 2.1%.Reported Earnings • Jan 30Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$1.03 in FY 2020). Revenue: US$52.9m (up 9.2% from FY 2020). Net income: US$8.44m (up 57% from FY 2020). Profit margin: 16% (up from 11% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.お知らせ • Jan 29Old Point Financial Corporation Reports Annualized Net Charge Offs for the Fourth Quarter Ended December 31, 2021Old Point Financial Corporation reported annualized net charge offs for the fourth quarter ended December 31, 2021. Quarterly annualized net charge offs as a percentage of average loans outstanding was 0.05% for the fourth quarter of 2021, compared to 0.07% for the third quarter of 2021 and 0.22% for the fourth quarter of 2020.Board Change • Dec 06Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Elizabeth Wash was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Nov 23Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 30 December 2021. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (3.5%). In line with average of industry peers (2.3%).分析記事 • Nov 20Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13Old Point Financial Corporation ( NASDAQ:OPOF ) will increase its dividend on the 30th of December to US$0.13. This...Reported Earnings • Oct 29Third quarter 2021 earnings released: EPS US$0.36 (vs US$0.21 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.1m (up 11% from 3Q 2020). Net income: US$1.91m (up 74% from 3Q 2020). Profit margin: 14% (up from 9.3% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.Upcoming Dividend • Aug 24Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 31 August 2021. Payment date: 24 September 2021. Trailing yield: 2.4%. Lower than top quartile of American dividend payers (3.6%). In line with average of industry peers (2.4%).分析記事 • Aug 21Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13Old Point Financial Corporation ( NASDAQ:OPOF ) will increase its dividend on the 24th of September to US$0.13, which...Reported Earnings • Jul 29Second quarter 2021 earnings released: EPS US$0.35 (vs US$0.48 in 2Q 2020)The company reported a soft second quarter result with weaker earnings and profit margins, although revenues improved. Second quarter 2021 results: Revenue: US$12.6m (up 4.2% from 2Q 2020). Net income: US$1.84m (down 26% from 2Q 2020). Profit margin: 15% (down from 21% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.お知らせ • Jun 28Old Point Financial Corporation(NasdaqCM:OPOF) dropped from Russell Microcap Growth IndexOld Point Financial Corporation(NasdaqCM:OPOF) dropped from Russell Microcap Growth IndexExecutive Departure • Jun 04Independent Director James Chisman has left the companyOn the 25th of May, James Chisman's tenure as Independent Director ended. As of March 2021, James still personally held 104.80k shares (US$2.5m worth at the time). James is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 1.67 years, which is considered inexperienced in the Simply Wall St Risk Model.Upcoming Dividend • May 25Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 01 June 2021. Payment date: 25 June 2021. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (3.4%). In line with average of industry peers (2.1%).お知らせ • May 21Old Point Financial Corporation Declares Quarterly Dividend, Payable on June 25, 2021Old Point Financial Corporation declared a quarterly cash dividend of $0.12 per share on its common stock to be paid on June 25, 2021 to shareholders of record as of June 2, 2021. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $22.60 on May 19, 2021, the dividend yield is approximately 2.1%.分析記事 • May 05Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?Could Old Point Financial Corporation ( NASDAQ:OPOF ) be an attractive dividend share to own for the long haul...収支内訳Old Point Financial の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqCM:OPOF 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費30 Jun 2561944031 Mar 25611044031 Dec 24611044030 Sep 2460844030 Jun 2458744031 Mar 2458645031 Dec 2359845030 Sep 2361945030 Jun 23611043031 Mar 23591042031 Dec 2256941030 Sep 2254840030 Jun 2252839031 Mar 2252739031 Dec 2153838030 Sep 2153739030 Jun 2152639031 Mar 2151737031 Dec 2048537030 Sep 2048736030 Jun 2048835031 Mar 2047736031 Dec 1948835030 Sep 1946734030 Jun 1945734031 Mar 1945634031 Dec 1844534030 Sep 1842133030 Jun 1841032031 Mar 1839032031 Dec 1739031030 Sep 1738431030 Jun 1739430031 Mar 1738431031 Dec 1639430030 Sep 1639330030 Jun 1638332031 Mar 1639331031 Dec 1539430030 Sep 1540530030 Jun 1539530031 Mar 1539430031 Dec 1438430030 Sep 14373300質の高い収益: OPOFは 高品質の収益 を持っています。利益率の向上: OPOFの現在の純利益率 (14.2%)は、昨年(12.1%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: OPOFの収益は過去 5 年間で年間5.3%増加しました。成長の加速: OPOFの過去 1 年間の収益成長率 ( 22.2% ) は、5 年間の平均 ( 年間5.3%を上回っています。収益対業界: OPOFの過去 1 年間の収益成長率 ( 22.2% ) はBanks業界22.8%を上回りました。株主資本利益率高いROE: OPOFの 自己資本利益率 ( 7.3% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2025/09/03 16:00終値2025/08/29 00:00収益2025/06/30年間収益2024/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Old Point Financial Corporation 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.24 (vs US$0.50 in 2Q 2024)Second quarter 2025 results: EPS: US$0.24 (down from US$0.50 in 2Q 2024). Revenue: US$15.0m (down 2.4% from 2Q 2024). Net income: US$1.24m (down 51% from 2Q 2024). Profit margin: 8.3% (down from 17% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.
Reported Earnings • Apr 04Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Net interest margin (NIM): 3.55% (down from 3.62% in FY 2023). Cost-to-income ratio: 80.2% (down from 81.0% in FY 2023). Non-performing loans: 0.07% (down from 0.18% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 12% per year, which means it is tracking significantly ahead of earnings growth.
Reported Earnings • Jan 31Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.
お知らせ • Jan 31Old Point Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Old Point Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2024. Quarterly annualized net charge-offs as a percentage of average loans outstanding were 0.16% for the fourth quarter of 2024, compared to 0.18% for the third quarter of 2024 and 0.39% for the fourth quarter of 2023.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.47 (vs US$0.27 in 3Q 2023)Third quarter 2024 results: EPS: US$0.47 (up from US$0.27 in 3Q 2023). Revenue: US$15.5m (up 7.6% from 3Q 2023). Net income: US$2.38m (up 75% from 3Q 2023). Profit margin: 15% (up from 9.5% in 3Q 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.
Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.50 (vs US$0.36 in 2Q 2023)Second quarter 2024 results: EPS: US$0.50 (up from US$0.36 in 2Q 2023). Revenue: US$15.3m (flat on 2Q 2023). Net income: US$2.53m (up 40% from 2Q 2023). Profit margin: 17% (up from 12% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
お知らせ • Sep 03+ 2 more updatesOld Point Financial Corporation Requests Nasdaq to Withdraw Its Common Stock from Listing on Nasdaq Before the Opening of Trading on September 2, 2025On September 1, 2025, Old Point Financial Corporation, a Virginia corporation (Old Point") and The Old Point National Bank of Phoebus, a nationally chartered banking association and wholly owned subsidiary of Old Point (Old Point National Bank") completed their previously announced mergers with TowneBank, a Virginia banking corporation (TowneBank"). Pursuant to the terms of the Agreement and Plan of Merger, dated as of April 2, 2025 (the Merger Agreement"), by and among TowneBank, Old Point and Old Point National Bank, Old Point merged with and into TowneBank (the Old Point merger"), and immediately thereafter and contemporaneously therewith, Old Point National Bank merged with and into TowneBank (together with the Old Point merger, the Merger"), with TowneBank surviving the Merger. As a result of the Merger, Old Point no longer fulfills the listing requirements of the Nasdaq Capital Market (Nasdaq"). On August 29, 2025, Old Point notified Nasdaq that the transactions contemplated by the Merger Agreement were expected to close on September 1, 2025. Old Point requested that Nasdaq (i) suspend trading in shares of Old Point common stock before the opening of trading on September 2, 2025, (ii) withdraw Old Point common stock from listing on Nasdaq before the opening of trading on September 2, 2025 and (iii) file with the Securities and Exchange Commission (the SEC") a notification of delisting of Old Point common stock on Form 25 under Section 12(b) of the Securities Exchange Act of 1934, as amended (the Exchange Act"). As a result, Old Point common stock is no longer listed on Nasdaq. In furtherance of the foregoing, TowneBank, as successor to Old Point, intends to file with the SEC certifications on Form 15 under the Exchange Act to deregister Old Point common stock under Section 12(g) of the Exchange Act and the corresponding immediate suspension of Old Point's reporting obligations under Sections 13 and 15(d) of the Exchange Act as promptly as practicable, and to cease filing any further periodic reports with respect to Old Point since it no longer exists as a separate legal entity as a result of the Merger.
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.24 (vs US$0.50 in 2Q 2024)Second quarter 2025 results: EPS: US$0.24 (down from US$0.50 in 2Q 2024). Revenue: US$15.0m (down 2.4% from 2Q 2024). Net income: US$1.24m (down 51% from 2Q 2024). Profit margin: 8.3% (down from 17% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.
Declared Dividend • Jun 01First quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 9th June 2025 Payment date: 30th June 2025 Dividend yield will be 1.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 7.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • May 28Old Point Financial Corporation Announces Quarterly Cash Dividend, Payable on June 30, 2025Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 30, 2025 to shareholders of record as of June 9, 2025. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $39.01 on May 23, 2025, the annual dividend yield is approximately 1.4%.
Reported Earnings • Apr 04Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Net interest margin (NIM): 3.55% (down from 3.62% in FY 2023). Cost-to-income ratio: 80.2% (down from 81.0% in FY 2023). Non-performing loans: 0.07% (down from 0.18% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 12% per year, which means it is tracking significantly ahead of earnings growth.
Buy Or Sell Opportunity • Apr 03Now 24% overvalued after recent price riseOver the last 90 days, the stock has risen 42% to US$36.82. The fair value is estimated to be US$29.73, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 5.1% over the last 3 years, while earnings per share has been flat.
お知らせ • Apr 03TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million.TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million on April 2, 2025. Under the terms of the agreement, shareholders of Old Point will elect to receive either $41.00 in cash or 1.1400 shares of TowneBank common stock for each share of Old Point outstanding common stock. This corresponds to an aggregate transaction value of approximately $203 million, based on Old Point common stock currently outstanding. Old Point shareholders will have the right to elect cash or stock consideration so long as the total stock consideration issued represents between 50% and 60% of the total consideration paid. In consideration of the transaction, extensive due diligence was performed by the management teams of TowneBank and Old Point. The transaction is expected to close in the second half of 2025 and is subject to customary conditions, including regulatory approval, as well as the approval of Old Point’s shareholders. The definitive agreement was approved by the boards of directors of Old Point and TowneBank. Piper Sandler & Co. served as the financial advisor and Wachtell, Lipton, Rosen & Katz served as lead legal counsel with Williams Mullen as local counsel to TowneBank in the transaction. Keefe, Bruyette & Woods served as the financial advisor and Troutman Pepper Locke LLP served as legal counsel to Old Point in the transaction.
Declared Dividend • Feb 23Fourth quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th March 2025 Payment date: 28th March 2025 Dividend yield will be 1.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 4.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 20Old Point Financial Corporation Declares Quarterly Cash Dividend on Common Stock, Payable on March 28, 2025Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on March 28, 2025 to shareholders of record as of March 5, 2025. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $29.73 on February 18, 2025, the annual dividend yield is approximately 1.9%.
Valuation Update With 7 Day Price Move • Feb 14Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$29.50, the stock trades at a trailing P/E ratio of 15.8x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 31% over the past three years.
Reported Earnings • Jan 31Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)Full year 2024 results: EPS: US$1.88 (up from US$1.54 in FY 2023). Revenue: US$60.9m (up 2.4% from FY 2023). Net income: US$9.51m (up 23% from FY 2023). Profit margin: 16% (up from 13% in FY 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.
お知らせ • Jan 31Old Point Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Old Point Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2024. Quarterly annualized net charge-offs as a percentage of average loans outstanding were 0.16% for the fourth quarter of 2024, compared to 0.18% for the third quarter of 2024 and 0.39% for the fourth quarter of 2023.
Buy Or Sell Opportunity • Dec 18Now 21% undervaluedOver the last 90 days, the stock has risen 33% to US$23.36. The fair value is estimated to be US$29.71, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.2% over the last 3 years, while earnings per share has been flat.
分析記事 • Nov 26Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14Old Point Financial Corporation ( NASDAQ:OPOF ) will pay a dividend of $0.14 on the 27th of December. This payment...
Declared Dividend • Nov 25Third quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 4th December 2024 Payment date: 27th December 2024 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.7% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Nov 21Old Point Financial Corporation Announces Quarterly Dividend, Payable on December 27, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on December 27, 2024 to shareholders of record as of December 4, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $20.30 on November 19, 2024, the annual dividend yield is approximately 2.76%.
お知らせ • Nov 09+ 1 more updateOld Point Financial Corporation Announces the Appointment of Cathy W. Liles as Senior Vice PresidentOld Point Financial Corporation announced the appointment of Cathy W. Liles as Senior Vice President. Cathy has served as Old Point's Interim Chief Financial Officer since July of this year. Liles joined Old Point in May 2024 as Senior Vice President and Chief Accounting Officer. Previously, she had served as Senior Vice President and Chief Accounting Officer at American National Bankshares Inc., Senior Vice President and Chief Financial Officer for Carter Bank & Trust, and prior to that, as a partner in the accounting firm Forvis LLP (previously named Dixon Hughes Goodman). Liles is a Certified Public Accountant and holds her B.S. in Accounting from Belmont Abby College in North Carolina. She is also a member of the Virginia Bankers Association's CFO Committee.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.47 (vs US$0.27 in 3Q 2023)Third quarter 2024 results: EPS: US$0.47 (up from US$0.27 in 3Q 2023). Revenue: US$15.5m (up 7.6% from 3Q 2023). Net income: US$2.38m (up 75% from 3Q 2023). Profit margin: 15% (up from 9.5% in 3Q 2023). Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 1% per year.
分析記事 • Aug 25Old Point Financial (NASDAQ:OPOF) Has Announced A Dividend Of $0.14Old Point Financial Corporation ( NASDAQ:OPOF ) will pay a dividend of $0.14 on the 27th of September. Based on this...
Declared Dividend • Aug 25Second quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 4th September 2024 Payment date: 27th September 2024 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Aug 22Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on September 27, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on September 27, 2024 to shareholders of record as of September 4, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $18.39 on August 20, 2024, the annual dividend yield is approximately 3.05%.
Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.50 (vs US$0.36 in 2Q 2023)Second quarter 2024 results: EPS: US$0.50 (up from US$0.36 in 2Q 2023). Revenue: US$15.3m (flat on 2Q 2023). Net income: US$2.53m (up 40% from 2Q 2023). Profit margin: 17% (up from 12% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
Declared Dividend • May 26First quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th June 2024 Payment date: 28th June 2024 Dividend yield will be 3.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.6% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
分析記事 • May 23We Think Old Point Financial Corporation's (NASDAQ:OPOF) CEO Compensation Package Needs To Be Put Under A MicroscopeKey Insights Old Point Financial's Annual General Meeting to take place on 28th of May Salary of US$425.5k is part of...
お知らせ • May 23Old Point Financial Corporation Announces Quarterly Dividend, Payable on June 28, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 28, 2024 to shareholders of record as of June 5, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $14.81on May 21, 2024, the annual dividend yield is approximately 3.8%.
New Risk • May 02New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 11% Last year net profit margin: 17% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (11% net profit margin). Market cap is less than US$100m (US$70.8m market cap).
お知らせ • May 01Old Point Financial Corporation Declares Dividends for the First Quarter of 2024Old Point Financial Corporation declared dividends of $0.14 per share for the first quarter of 2024. The dividend represents a payout ratio of 41.1% of earnings per share for the first quarter of 2024.
Board Change • Apr 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 8 highly experienced directors. Independent Director Castleberry Golden was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Feb 27Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 05 March 2024. Payment date: 29 March 2024. Trailing yield: 3.3%. Lower than top quartile of American dividend payers (4.8%). In line with average of industry peers (3.1%).
分析記事 • Feb 25Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14The board of Old Point Financial Corporation ( NASDAQ:OPOF ) has announced that it will pay a dividend of $0.14 per...
Declared Dividend • Feb 25Fourth quarter dividend of US$0.14 announcedDividend of US$0.14 is the same as last year. Ex-date: 5th March 2024 Payment date: 29th March 2024 Dividend yield will be 3.4%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 9.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 22Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on March 29, 2024Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on March 29, 2024 to shareholders of record as of March 6, 2024. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $17.10 on February 20, 2024, the annual dividend yield is approximately 3.3%.
Buy Or Sell Opportunity • Feb 07Now 21% undervaluedOver the last 90 days, the stock has risen 3.5% to US$17.10. The fair value is estimated to be US$21.76, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 15%.
Reported Earnings • Feb 01Full year 2023 earnings released: EPS: US$1.54 (vs US$1.80 in FY 2022)Full year 2023 results: EPS: US$1.54 (down from US$1.80 in FY 2022). Revenue: US$59.5m (up 5.9% from FY 2022). Net income: US$7.73m (down 15% from FY 2022). Profit margin: 13% (down from 16% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.62% (no change from 3.62% in FY 2022). Cost-to-income ratio: 81.0% (up from 78.4% in FY 2022). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
お知らせ • Jan 31Old Point Financial Corporation Declares Dividend for the Fourth Quarter of 2023Old Point Financial Corporation announced for the fourth quarter of 2023, the Company declared dividends of $0.14 per share, an increase of 7.7% over dividends of $0.13 per share declared in the fourth quarter of 2022. The dividend represents a payout ratio of 47.6% of earnings per share for the fourth quarter of 2023 and 36.4% cumulatively for the year ended December 31, 2023.
お知らせ • Jan 16Old Point Financial Corporation, Annual General Meeting, May 28, 2024Old Point Financial Corporation, Annual General Meeting, May 28, 2024, at 18:00 US Eastern Standard Time. Location: Hampton Roads Convention Center, 1610 Coliseum Dr, VA 23666 Hampton United States
お知らせ • Dec 27Old Point Financial Corporation, The Old Point National Bank of Phoebus, Old Point Trust & Financial Services, N.A. Announces Retirement of Arthur D. Greene from Board of Directors, Effective December 31, 2023Old Point Financial Corporation announced that Dr. Arthur D. Greene is retiring from the Boards of Directors of the Company and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Wealth Company) effective as of December 31, 2023. Dr. Greene joined the Boards of Directors of the Company, Bank, and the Wealth Company in 1994 and currently serves on the Company's Executive, Audit, and Nominating and Corporate Governance Committees. Throughout his service, Dr. Greene served as Lead Independent Director for the Company for 14 years, the Lead Independent Director for the Wealth Company for 2 years, and the Chairman of the Board of the Wealth Company for 5 years.
Buying Opportunity • Dec 11Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 2.1%. The fair value is estimated to be US$21.04, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.7% over the last 3 years. Earnings per share has grown by 17%.
Upcoming Dividend • Nov 28Upcoming dividend of US$0.14 per share at 3.3% yieldEligible shareholders must have bought the stock before 05 December 2023. Payment date: 29 December 2023. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 3.3%. Lower than top quartile of American dividend payers (5.0%). In line with average of industry peers (3.6%).
Buying Opportunity • Nov 24Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.1%. The fair value is estimated to be US$21.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.7% over the last 3 years. Earnings per share has grown by 17%.
お知らせ • Nov 23Old Point Financial Corporation Declares Quarterly Dividend, Payable on December 29, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on December 29, 2023 to shareholders of record as of December 6, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $17.75 on November 21, 2023, the annual dividend yield is approximately 3.15%.
Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.27 (vs US$0.51 in 3Q 2022)Third quarter 2023 results: EPS: US$0.27 (down from US$0.51 in 3Q 2022). Revenue: US$14.4m (flat on 3Q 2022). Net income: US$1.36m (down 46% from 3Q 2022). Profit margin: 9.5% (down from 18% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Buying Opportunity • Oct 19Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 14%. The fair value is estimated to be US$21.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 15%.
お知らせ • Oct 19Old Point Financial Corporation and The Old Point National Bank of Phoebus Appoints Mr. Paul Pickett, as Chief Financial Officer, Effective October 24, 2023On October 18, 2023, Old Point Financial Corporation announced that the Company’s Board of Directors appointed Mr. Paul Pickett, age 55, to the position of Chief Financial Officer. The Old Point National Bank of Phoebus effective October 24, 2023. He will also serve as the Company’s Principal Financial and Accounting Officer. Mr. Pickett most recently served as Chief Financial Officer for First Region Bancshares Inc., which is headquartered in Richlands, Virginia and is the parent company of First Sentinel Bank and First Sentinel Financial Services. Prior to joining First Regions in 2020, he served as Chief Financial Officer of Odyssey Engines, LLC, a multistate aviation holding company for three years. Mr. Pickett spent 26 years in public accounting prior to those roles, working with community banks and bank holding companies of various sizes and complexity. Mr. Pickett holds his Bachelor of Business Administration in Accounting from Radford University and is a Certified Public Accountant. The material terms of Mr. Pickett’s compensation will include an initial base annual salary of $225,000, subject to annual performance reviews, and participation in the Company’s short- and long-term incentive plans. Information about the Company’s short- and long-term incentive plans is set forth in the Company’s proxy statement for its 2023 annual meeting of stockholders. Mr. Pickett will also be eligible to participate in the Bank’s employee benefit plans and programs on terms offered to similarly situated employees.
お知らせ • Sep 09Elizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting Officeron July 5, 2023, Elizabeth T. Beale notified Old Point Financial Corporation of her decision to resign as Senior Vice President/Finance and principal financial and accounting officer of the Company and as Chief Financial Officer & Executive Vice President of the Bank. Ms. Beale remained with the Company in those roles until September 4, 2023, on which date her resignation from the Company and the Bank was effective. On September 1, 2023, in consideration of Ms. Beale’s contributions and dedicated service to the Company and the Bank, the Compensation and Benefits Committee of the Company’s Board of Directors accelerated the vesting (to such resignation date) of 984 shares of restricted stock held by Ms. Beale that otherwise would have vested on May 3, 2024, and 916 shares of restricted stock held by Ms. Beale that otherwise would have vested on May 3, 2025. Ms. Beale’s resignation was not the result of any disagreement with the Company or Bank on any matter relating to the Company’s or Bank’s operations, policies, practices, financial disclosures, accounting practices or internal controls.
Upcoming Dividend • Aug 29Upcoming dividend of US$0.14 per share at 3.2% yieldEligible shareholders must have bought the stock before 05 September 2023. Payment date: 29 September 2023. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 3.2%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.7%).
お知らせ • Aug 17Old Point Financial Corporation Declares Quarterly Dividend, Payable on September 29, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on September 29, 2023 to shareholders of record as of September 6, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $18.62 on August 15, 2023, the dividend yield is approximately 3.0%.
Reported Earnings • Jul 28Second quarter 2023 earnings released: EPS: US$0.36 (vs US$0.37 in 2Q 2022)Second quarter 2023 results: EPS: US$0.36 (down from US$0.37 in 2Q 2022). Revenue: US$15.3m (up 15% from 2Q 2022). Net income: US$1.80m (down 4.8% from 2Q 2022). Profit margin: 12% (down from 14% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.
分析記事 • Jul 24Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth WatchingInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
お知らせ • Jul 10+ 1 more updateElizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting OfficerOn July 5, 2023, Elizabeth T. Beale notified Old Point Financial Corporation of her decision to resign as Chief Financial Officer & Senior Vice President/Finance and principal financial and accounting officer of the Company and as Chief Financial Officer & Executive Vice President of The Old Point National Bank of Phoebus (the “Bank”), the Company’s wholly owned national bank subsidiary. Ms. Beale is expected to remain with the Company in her current roles until on or about September 4, 2023, to assist in the transition of her responsibilities. Ms. Beale’s resignation does not entitle her to additional compensation other than what she is entitled to under the Company’s existing plans. Ms. Beale’s resignation is not the result of any disagreement with the Company or Bank on any matter relating to the Company’s or Bank’s operations, policies, practices, financial disclosures, accounting practices or internal controls. The Company will be conducting a search for a new Chief Financial Officer. The Company thanks Ms. Beale for her dedication and contributions to the Company and the Bank; she has been an invaluable asset for the Company over the last five years and will be missed.
Valuation Update With 7 Day Price Move • Jul 04Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$18.85, the stock trades at a trailing P/E ratio of 9.3x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 34% over the past three years.
Upcoming Dividend • May 30Upcoming dividend of US$0.14 per share at 3.5% yieldEligible shareholders must have bought the stock before 06 June 2023. Payment date: 30 June 2023. Payout ratio is a comfortable 26% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of American dividend payers (5.2%). In line with average of industry peers (3.7%).
お知らせ • May 28Old Point Financial Corporation Approves to Elect Sarah B. Castleberry as DirectorOld Point Financial Corporation at it's AGM approved to elect Sarah B. Castleberry as director.
Valuation Update With 7 Day Price Move • May 24Investor sentiment improves as stock rises 24%After last week's 24% share price gain to US$18.66, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 29% over the past three years.
お知らせ • May 18Old Point Financial Corporation Declares Quarterly Dividend, Payable on June 30, 2023Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 30, 2023 to shareholders of record as of June 7, 2023. This dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $15.00 on May 16, 2023, the dividend yield is approximately 3.7%.
Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 24%After last week's 24% share price decline to US$17.21, the stock trades at a trailing P/E ratio of 8.5x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 8.4% over the past three years.
Reported Earnings • Apr 06Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)Full year 2022 results: EPS: US$1.80 (up from US$1.61 in FY 2021). Revenue: US$56.2m (up 6.3% from FY 2021). Net income: US$9.11m (up 7.9% from FY 2021). Profit margin: 16% (in line with FY 2021). Net interest margin (NIM): 3.62% (up from 3.26% in FY 2021). Cost-to-income ratio: 78.4% (down from 80.0% in FY 2021). Non-performing loans: 0.20% (up from 0.18% in FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has increased by 16% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Feb 28Upcoming dividend of US$0.14 per share at 1.9% yieldEligible shareholders must have bought the stock before 07 March 2023. Payment date: 31 March 2023. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.0%).
お知らせ • Feb 18Russell Smith Evans, Jr. Notifies Old Point Financial Corporation of His Intention to Retire from the Boards of DirectorOn February 13, 2023, Russell Smith Evans, Jr. notified Old Point Financial Corporation of his intention to retire from the Boards of Directors of the Company and its wholly-owned national bank subsidiary, The Old Point National Bank of Phoebus (the “Bank”), effective as of the Company’s 2023 Annual Meeting of Shareholders. Mr. Evans’ decision to retire is not a result of any disagreement between Mr. Evans and the Company on any matter relating to the Company’s or the Bank’s operations, policies or practices or any other matter.
Reported Earnings • Jan 27Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)Full year 2022 results: EPS: US$1.80 (up from US$1.61 in FY 2021). Revenue: US$56.2m (up 6.3% from FY 2021). Net income: US$9.11m (up 7.9% from FY 2021). Profit margin: 16% (in line with FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Dec 21Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$27.95, the stock trades at a trailing P/E ratio of 17.2x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 5.9% over the past three years.
Upcoming Dividend • Nov 29Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 06 December 2022. Payment date: 30 December 2022. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (2.9%).
分析記事 • Nov 22Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13Old Point Financial Corporation ( NASDAQ:OPOF ) has announced that it will pay a dividend of $0.13 per share on the...
Reported Earnings • Nov 20Third quarter 2022 earnings released: EPS: US$0.51 (vs US$0.36 in 3Q 2021)Third quarter 2022 results: EPS: US$0.51 (up from US$0.36 in 3Q 2021). Revenue: US$14.5m (up 11% from 3Q 2021). Net income: US$2.54m (up 33% from 3Q 2021). Profit margin: 18% (up from 14% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
お知らせ • Nov 18Old Point Financial Corporation Declares Quarterly Dividend, Payable on December 30, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on December 30, 2022 to shareholders of record as of December 7, 2022.
Reported Earnings • Oct 28Third quarter 2022 earnings released: EPS: US$0.51 (vs US$0.36 in 3Q 2021)Third quarter 2022 results: EPS: US$0.51 (up from US$0.36 in 3Q 2021). Revenue: US$14.5m (up 11% from 3Q 2021). Net income: US$2.54m (up 33% from 3Q 2021). Profit margin: 18% (up from 14% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year and the company’s share price has also increased by 3% per year.
分析記事 • Sep 17Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Valuation Update With 7 Day Price Move • Sep 16Investor sentiment improved over the past weekAfter last week's 21% share price gain to US$28.32, the stock trades at a trailing P/E ratio of 18.9x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.
Upcoming Dividend • Aug 30Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 06 September 2022. Payment date: 30 September 2022. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (4.2%). Lower than average of industry peers (3.1%).
お知らせ • Aug 18Old Point Financial Corporation Declares Quarterly Dividend, to Be Paid on September 30, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on September 30, 2022 to shareholders of record as of September 7, 2022. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $23.50 on August 16, 2022, the dividend yield is approximately 2.2%.
Seeking Alpha • Aug 17Old Point Financial declares $0.13 dividendOld Point Financial (NASDAQ:OPOF) declares $0.13/share quarterly dividend, in line with previous. Forward yield 2.21% Payable Sept. 30; for shareholders of record Sept. 7; ex-div Sept. 6. See OPOF Dividend Scorecard, Yield Chart, & Dividend Growth.
お知らせ • Jul 28Old Point Financial Corporation Declares Dividend for the Second Quarter of 2022Old Point Financial Corporation announced that for the second quarter of 2022 the company declared dividends of $0.13 per share, an increase of 8.3% over dividends of $0.12 per share declared in the second quarter of 2021.
Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.37 (vs US$0.35 in 2Q 2021)Second quarter 2022 results: EPS: US$0.37 (up from US$0.35 in 2Q 2021). Revenue: US$13.3m (up 4.8% from 2Q 2021). Net income: US$1.89m (up 2.7% from 2Q 2021). Profit margin: 14% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 3% per year.
Seeking Alpha • Jul 26Old Point Financial GAAP EPS of $0.37, revenue of $13.82MOld Point Financial press release (NASDAQ:OPOF): Q2 GAAP EPS of $0.37. Revenue of $13.82M (+8.8% Y/Y).
Upcoming Dividend • May 24Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 24 June 2022. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.1%). Lower than average of industry peers (3.1%).
お知らせ • May 19Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on June 24, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on June 24, 2022 to shareholders of record as of June 1, 2022.
Reported Earnings • Apr 29First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.39 (down from US$0.58 in 1Q 2021). Revenue: US$13.1m (down 7.7% from 1Q 2021). Net income: US$2.03m (down 33% from 1Q 2021). Profit margin: 16% (down from 21% in 1Q 2021). Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 7% per year.
Reported Earnings • Apr 02Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$1.03 in FY 2020). Revenue: US$52.9m (up 9.2% from FY 2020). Net income: US$8.44m (up 57% from FY 2020). Profit margin: 16% (up from 11% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.26% (up from 3.19% in FY 2020). Non-performing loans: 0.18% (down from 0.23% in FY 2020). Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 5% per year.
Upcoming Dividend • Feb 22Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 01 March 2022. Payment date: 25 March 2022. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (3.6%). In line with average of industry peers (2.3%).
お知らせ • Feb 17Old Point Financial Corporation Declares Quarterly Dividend, Payable on March 25, 2022Old Point Financial Corporation declared a quarterly cash dividend of $0.13 per share on its common stock to be paid on March 25, 2022 to shareholders of record as of March 2, 2022. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $24.45 on February 15, 2022, the dividend yield is approximately 2.1%.
Reported Earnings • Jan 30Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$1.03 in FY 2020). Revenue: US$52.9m (up 9.2% from FY 2020). Net income: US$8.44m (up 57% from FY 2020). Profit margin: 16% (up from 11% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 17%. Earnings per share (EPS) also surpassed analyst estimates by 47%. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
お知らせ • Jan 29Old Point Financial Corporation Reports Annualized Net Charge Offs for the Fourth Quarter Ended December 31, 2021Old Point Financial Corporation reported annualized net charge offs for the fourth quarter ended December 31, 2021. Quarterly annualized net charge offs as a percentage of average loans outstanding was 0.05% for the fourth quarter of 2021, compared to 0.07% for the third quarter of 2021 and 0.22% for the fourth quarter of 2020.
Board Change • Dec 06Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Elizabeth Wash was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Nov 23Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 30 December 2021. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (3.5%). In line with average of industry peers (2.3%).
分析記事 • Nov 20Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13Old Point Financial Corporation ( NASDAQ:OPOF ) will increase its dividend on the 30th of December to US$0.13. This...
Reported Earnings • Oct 29Third quarter 2021 earnings released: EPS US$0.36 (vs US$0.21 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.1m (up 11% from 3Q 2020). Net income: US$1.91m (up 74% from 3Q 2020). Profit margin: 14% (up from 9.3% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Aug 24Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 31 August 2021. Payment date: 24 September 2021. Trailing yield: 2.4%. Lower than top quartile of American dividend payers (3.6%). In line with average of industry peers (2.4%).
分析記事 • Aug 21Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13Old Point Financial Corporation ( NASDAQ:OPOF ) will increase its dividend on the 24th of September to US$0.13, which...
Reported Earnings • Jul 29Second quarter 2021 earnings released: EPS US$0.35 (vs US$0.48 in 2Q 2020)The company reported a soft second quarter result with weaker earnings and profit margins, although revenues improved. Second quarter 2021 results: Revenue: US$12.6m (up 4.2% from 2Q 2020). Net income: US$1.84m (down 26% from 2Q 2020). Profit margin: 15% (down from 21% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
お知らせ • Jun 28Old Point Financial Corporation(NasdaqCM:OPOF) dropped from Russell Microcap Growth IndexOld Point Financial Corporation(NasdaqCM:OPOF) dropped from Russell Microcap Growth Index
Executive Departure • Jun 04Independent Director James Chisman has left the companyOn the 25th of May, James Chisman's tenure as Independent Director ended. As of March 2021, James still personally held 104.80k shares (US$2.5m worth at the time). James is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 1.67 years, which is considered inexperienced in the Simply Wall St Risk Model.
Upcoming Dividend • May 25Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 01 June 2021. Payment date: 25 June 2021. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (3.4%). In line with average of industry peers (2.1%).
お知らせ • May 21Old Point Financial Corporation Declares Quarterly Dividend, Payable on June 25, 2021Old Point Financial Corporation declared a quarterly cash dividend of $0.12 per share on its common stock to be paid on June 25, 2021 to shareholders of record as of June 2, 2021. The dividend amount is the same as the prior quarter's dividend and based on the stock's closing price of $22.60 on May 19, 2021, the dividend yield is approximately 2.1%.
分析記事 • May 05Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?Could Old Point Financial Corporation ( NASDAQ:OPOF ) be an attractive dividend share to own for the long haul...