OPOF Stock Overview

Operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia. More details

OPOF fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	3/6

Rewards

Earnings grew by 56.3% over the past year

Risk Analysis

No risks detected for OPOF from our risk checks.

Community vs My Fair Value

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Old Point Financial Corporation Competitors

LCNB

NasdaqCM:LCNB

US$211.8m

First Community

NasdaqCM:FCCO

US$185.1m

Malaga Financial

OTCPK:MLGF

US$194.2m

First United

NasdaqGS:FUNC

US$204.9m

Price History & Performance

Summary of share price highs, lows and changes for Old Point Financial
Historical stock prices
Current Share Price	US$39.39
52 Week High	US$39.91
52 Week Low	US$13.70
Beta	-0.32
1 Month Change	7.18%
3 Month Change	55.81%
1 Year Change	176.42%
3 Year Change	56.51%
5 Year Change	174.49%
Change since IPO	251.70%

Recent updates

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

Nov 26

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

Aug 25

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

May 23

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

Nov 20

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

Aug 21

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

May 05

Shareholder Returns

	OPOF	US Banks	US Market
7D	0.3%	4.0%	3.9%
1Y	176.4%	19.9%	11.6%

Return vs Industry: OPOF exceeded the US Banks industry which returned 19.9% over the past year.

Return vs Market: OPOF exceeded the US Market which returned 11.6% over the past year.

Price Volatility

Is OPOF's price volatile compared to industry and market?
OPOF volatility
OPOF Average Weekly Movement	7.5%
Banks Industry Average Movement	4.7%
Market Average Movement	8.1%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	4.2%

Stable Share Price: OPOF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: OPOF's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1922	260	Rob Shuford	www.oldpoint.com

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides loans, such as real estate construction, commercial, and mortgage loans that include residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans that are secured by collateral, such as inventory, accounts receivable, equipment, or other personal property.

Old Point Financial Corporation Fundamentals Summary

How do Old Point Financial's earnings and revenue compare to its market cap?
OPOF fundamental statistics
Market cap	US$201.65m
Earnings (TTM)	US$9.95m
Revenue (TTM)	US$61.37m

20.2x

P/E Ratio

1.7x

P/B Ratio

Is OPOF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OPOF income statement (TTM)
Revenue	US$61.37m
Cost of Revenue	US$0
Gross Profit	US$61.37m
Other Expenses	US$51.42m
Earnings	US$9.95m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.95
Gross Margin	100.00%
Net Profit Margin	16.21%
Debt/Equity Ratio	59.2%

How did OPOF perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

29%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/13 22:41
End of Day Share Price	2025/05/13 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Old Point Financial Corporation is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Allan Bach	Davenport & Company

OPOF Stock Overview

Rewards

Risk Analysis

Old Point Financial Corporation Competitors

NasdaqCM:LCNB

US$211.8m

NasdaqCM:FCCO

US$185.1m

OTCPK:MLGF

US$194.2m

NasdaqGS:FUNC

US$204.9m

Price History & Performance

Recent News & Updates

Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)

Now 24% overvalued after recent price rise

TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million.

Fourth quarter dividend of US$0.14 announced

Old Point Financial Corporation Declares Quarterly Cash Dividend on Common Stock, Payable on March 28, 2025

Investor sentiment improves as stock rises 17%

Recent updates

Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)

Now 24% overvalued after recent price rise

TowneBank (NasdaqGS:TOWN) signed a definitive agreement and plan of merger to acquire Old Point Financial Corporation (NasdaqCM:OPOF) for approximately $200 million.

Fourth quarter dividend of US$0.14 announced

Old Point Financial Corporation Declares Quarterly Cash Dividend on Common Stock, Payable on March 28, 2025

Investor sentiment improves as stock rises 17%

Full year 2024 earnings released: EPS: US$1.88 (vs US$1.54 in FY 2023)

Old Point Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024

Now 21% undervalued

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

Third quarter dividend of US$0.14 announced

Old Point Financial Corporation Announces Quarterly Dividend, Payable on December 27, 2024

Old Point Financial Corporation Announces the Appointment of Cathy W. Liles as Senior Vice President

Third quarter 2024 earnings released: EPS: US$0.47 (vs US$0.27 in 3Q 2023)

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

Second quarter dividend of US$0.14 announced

Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on September 27, 2024

Second quarter 2024 earnings released: EPS: US$0.50 (vs US$0.36 in 2Q 2023)

First quarter dividend of US$0.14 announced

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

Old Point Financial Corporation Announces Quarterly Dividend, Payable on June 28, 2024

New minor risk - Profit margin trend

Old Point Financial Corporation Declares Dividends for the First Quarter of 2024

Insufficient new directors

Upcoming dividend of US$0.14 per share

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

Fourth quarter dividend of US$0.14 announced

Old Point Financial Corporation Declares Quarterly Cash Dividend, Payable on March 29, 2024

Now 21% undervalued

Full year 2023 earnings released: EPS: US$1.54 (vs US$1.80 in FY 2022)

Old Point Financial Corporation Declares Dividend for the Fourth Quarter of 2023

Old Point Financial Corporation, Annual General Meeting, May 28, 2024

Old 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, 2023

Now 20% undervalued after recent price drop

Upcoming dividend of US$0.14 per share at 3.3% yield

Now 20% undervalued after recent price drop

Old Point Financial Corporation Declares Quarterly Dividend, Payable on December 29, 2023

Third quarter 2023 earnings released: EPS: US$0.27 (vs US$0.51 in 3Q 2022)

Now 21% undervalued after recent price drop

Old Point Financial Corporation and The Old Point National Bank of Phoebus Appoints Mr. Paul Pickett, as Chief Financial Officer, Effective October 24, 2023

Elizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting Officer

Upcoming dividend of US$0.14 per share at 3.2% yield

Old Point Financial Corporation Declares Quarterly Dividend, Payable on September 29, 2023

Second quarter 2023 earnings released: EPS: US$0.36 (vs US$0.37 in 2Q 2022)

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

Elizabeth T. Beale Notifies Old Point Financial Corporation of Her Decision to Resign as Senior Vice President/Finance and Principal Financial and Accounting Officer

Investor sentiment improves as stock rises 16%

Upcoming dividend of US$0.14 per share at 3.5% yield

Old Point Financial Corporation Approves to Elect Sarah B. Castleberry as Director

Investor sentiment improves as stock rises 24%

Old Point Financial Corporation Declares Quarterly Dividend, Payable on June 30, 2023

Investor sentiment deteriorates as stock falls 24%

Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)

Upcoming dividend of US$0.14 per share at 1.9% yield

Russell Smith Evans, Jr. Notifies Old Point Financial Corporation of His Intention to Retire from the Boards of Director

Full year 2022 earnings released: EPS: US$1.80 (vs US$1.61 in FY 2021)

Investor sentiment improved over the past week

Upcoming dividend of US$0.13 per share

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