OPOF Stock Overview
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia.
No risks detected for OPOF from our risk checks.
Old Point Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$25.88|
|52 Week High||US$27.99|
|52 Week Low||US$20.50|
|1 Month Change||-0.42%|
|3 Month Change||6.04%|
|1 Year Change||11.79%|
|3 Year Change||21.79%|
|5 Year Change||-12.57%|
|Change since IPO||131.07%|
Recent News & Updates
|OPOF||US Banks||US Market|
Return vs Industry: OPOF exceeded the US Banks industry which returned -16.6% over the past year.
Return vs Market: OPOF exceeded the US Market which returned -12.3% over the past year.
|OPOF Average Weekly Movement||4.1%|
|Banks Industry Average Movement||4.0%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: OPOF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: OPOF's weekly volatility (4%) has been stable over the past year.
About the Company
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services.
Old Point Financial Fundamentals Summary
|OPOF fundamental statistics|
Is OPOF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OPOF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.46|
|Net Profit Margin||14.40%|
How did OPOF perform over the long term?See historical performance and comparison
2.0%Current Dividend Yield
Does OPOF pay a reliable dividends?See OPOF dividend history and benchmarks
|Old Point Financial dividend dates|
|Ex Dividend Date||May 31 2022|
|Dividend Pay Date||Jun 24 2022|
|Days until Ex dividend||6 days|
|Days until Dividend pay date||30 days|
Does OPOF pay a reliable dividends?See OPOF dividend history and benchmarks
Is Old Point Financial undervalued compared to its fair value and its price relative to the market?
Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: OPOF ($25.88) is trading below our estimate of fair value ($27.27)
Significantly Below Fair Value: OPOF is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: OPOF is poor value based on its Price-To-Earnings Ratio (17.7x) compared to the US Banks industry average (9.8x).
PE vs Market: OPOF is poor value based on its Price-To-Earnings Ratio (17.7x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate OPOF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: OPOF is overvalued based on its Price-To-Book Ratio (1.2x) compared to the US Banks industry average (1.1x).
How is Old Point Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Old Point Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Old Point Financial performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: OPOF has high quality earnings.
Growing Profit Margin: OPOF's current net profit margins (14.4%) are higher than last year (14%).
Past Earnings Growth Analysis
Earnings Trend: OPOF's earnings have grown significantly by 25.6% per year over the past 5 years.
Accelerating Growth: OPOF's earnings growth over the past year (4.3%) is below its 5-year average (25.6% per year).
Earnings vs Industry: OPOF earnings growth over the past year (4.3%) underperformed the Banks industry 20.9%.
Return on Equity
High ROE: OPOF's Return on Equity (6.9%) is considered low.
How is Old Point Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: OPOF's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: OPOF has a sufficient allowance for bad loans (198%).
Low Risk Liabilities: 97% of OPOF's liabilities are made up of primarily low risk sources of funding.
Loan Level: OPOF has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: OPOF's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: OPOF has an appropriate level of bad loans (0.6%).
What is Old Point Financial current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: OPOF's dividend (2.01%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: OPOF's dividend (2.01%) is low compared to the top 25% of dividend payers in the US market (4.05%).
Stability and Growth of Payments
Stable Dividend: OPOF's dividends per share have been stable in the past 10 years.
Growing Dividend: OPOF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (35.8%), OPOF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rob Shuford (56 yo)
Mr. Robert F. Shuford, Jr., also known as Rob, serves as President, CEO & Chairman at Old Point Financial Corporation since January 3, 2020. He has been Chief Executive Officer and President at Old Point N...
CEO Compensation Analysis
Compensation vs Market: Rob's total compensation ($USD502.51K) is below average for companies of similar size in the US market ($USD770.27K).
Compensation vs Earnings: Rob's compensation has been consistent with company performance over the past year.
Experienced Management: OPOF's management team is considered experienced (3.3 years average tenure).
Experienced Board: OPOF's board of directors are seasoned and experienced ( 13.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: OPOF insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Old Point Financial Corporation's employee growth, exchange listings and data sources
- Name: Old Point Financial Corporation
- Ticker: OPOF
- Exchange: NasdaqCM
- Founded: 1922
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$132.459m
- Shares outstanding: 5.12m
- Website: https://oldpoint.com
Number of Employees
- Old Point Financial Corporation
- 101 East Queen Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/24 00:00|
|End of Day Share Price||2022/05/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.