42.1 USD
+0.94 (+2.28%)
41.5 USD
-0.6 (-1.43%)
OPOF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of OPOF have multiple concerns. OPOF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
OPOF had positive earnings in the past year.
OPOF had a positive operating cash flow in the past year.
OPOF had positive earnings in each of the past 5 years.
OPOF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of OPOF (0.62%) is worse than 69.19% of its industry peers.
OPOF has a Return On Equity of 7.33%. This is comparable to the rest of the industry: OPOF outperforms 42.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 7.33% | ||
| ROIC | N/A |
ROA(3y)0.62%
ROA(5y)0.59%
ROE(3y)8.27%
ROE(5y)7.28%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OPOF has a worse Profit Margin (13.91%) than 75.76% of its industry peers.
OPOF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for OPOF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.91% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.48%
PM growth 5Y-1.14%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OPOF does not have a ROIC to compare to the WACC, probably because it is not profitable.
OPOF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for OPOF has been reduced compared to 5 years ago.
Compared to 1 year ago, OPOF has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OPOF is 2.11, which is a good value as it means it would take OPOF, 2.11 years of fcf income to pay off all of its debts.
OPOF's Debt to FCF ratio of 2.11 is in line compared to the rest of the industry. OPOF outperforms 47.47% of its industry peers.
OPOF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.25, OPOF is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
Although OPOF does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OPOF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.84%, which is quite impressive.
OPOF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.45% yearly.
OPOF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.69%.
Measured over the past years, OPOF shows a small growth in Revenue. The Revenue has been growing by 5.07% on average per year.
EPS 1Y (TTM)20.84%
EPS 3Y5.25%
EPS 5Y4.45%
EPS Q2Q%-51.26%
Revenue 1Y (TTM)3.69%
Revenue growth 3Y4.55%
Revenue growth 5Y5.07%
Sales Q2Q%-1.04%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
OPOF is valuated rather expensively with a Price/Earnings ratio of 24.76.
OPOF's Price/Earnings ratio is rather expensive when compared to the industry. OPOF is more expensive than 83.08% of the companies in the same industry.
OPOF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.49.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | N/A |
4.2 Price Multiples
OPOF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)5.57
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
OPOF has a Yearly Dividend Yield of 1.33%.
OPOF's Dividend Yield is slightly below the industry average, which is at 3.11.
With a Dividend Yield of 1.33, OPOF pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
5.2 History
The dividend of OPOF has a limited annual growth rate of 3.13%.
OPOF has paid a dividend for at least 10 years, which is a reliable track record.
OPOF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.13%
Div Incr Years0
Div Non Decr Years13
5.3 Sustainability
32.91% of the earnings are spent on dividend by OPOF. This is a low number and sustainable payout ratio.
The dividend of OPOF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.91%
EPS Next 2YN/A
EPS Next 3YN/A
42.1
+0.94 (+2.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.59%
Inst Owner Change-99.96%
Ins Owners12.74%
Ins Owner Change-236.08%
Market Cap214.71M
Revenue(TTM)62.28M
Net Income(TTM)8.66M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
Yearly Dividend0.56
Dividend Growth(5Y)3.13%
DP32.91%
Div Incr Years0
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | N/A | ||
| P/S | 3.45 | ||
| P/FCF | 15.39 | ||
| P/OCF | 15.63 | ||
| P/B | 1.82 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY4.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.74
FCFY6.5%
OCF(TTM)2.69
OCFY6.4%
SpS12.21
BVpS23.16
TBVpS22.82
PEG (NY)N/A
PEG (5Y)5.57
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 7.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.91% | ||
| GM | N/A | ||
| FCFM | 22.4% |
ROA(3y)0.62%
ROA(5y)0.59%
ROE(3y)8.27%
ROE(5y)7.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.48%
PM growth 5Y-1.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 9.49% | ||
| Cap/Sales | 0.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.94%
ROIC/WACCN/A
Cap/Depr(3y)53.92%
Cap/Depr(5y)55.36%
Cap/Sales(3y)2.12%
Cap/Sales(5y)2.2%
Profit Quality(3y)148.62%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.84%
EPS 3Y5.25%
EPS 5Y4.45%
EPS Q2Q%-51.26%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.69%
Revenue growth 3Y4.55%
Revenue growth 5Y5.07%
Sales Q2Q%-1.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.62%
FCF growth 3Y-15.16%
FCF growth 5Y4.56%
OCF growth 1Y8.85%
OCF growth 3Y-14.19%
OCF growth 5Y3.43%
OLD POINT FINANCIAL CORP / OPOF FAQ
What is the fundamental rating for OPOF stock?
ChartMill assigns a fundamental rating of 2 / 10 to OPOF.
What is the valuation status for OPOF stock?
ChartMill assigns a valuation rating of 1 / 10 to OLD POINT FINANCIAL CORP (OPOF). This can be considered as Overvalued.
How profitable is OLD POINT FINANCIAL CORP (OPOF) stock?
OLD POINT FINANCIAL CORP (OPOF) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for OPOF stock?
The Price/Earnings (PE) ratio for OLD POINT FINANCIAL CORP (OPOF) is 24.76 and the Price/Book (PB) ratio is 1.82.
How financially healthy is OLD POINT FINANCIAL CORP?
The financial health rating of OLD POINT FINANCIAL CORP (OPOF) is 2 / 10.