OLD POINT FINANCIAL CORP (OPOF) Stock Fundamental Analysis
USA - NASDAQ:OPOF - US6801941070 - Common Stock
42.1 USD
+0.94 (+2.28%)
41.5 USD
-0.6 (-1.43%)
We assign a fundamental rating of 2 out of 10 to OPOF. OPOF was compared to 390 industry peers in the Banks industry. OPOF may be in some trouble as it scores bad on both profitability and health. OPOF has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year OPOF was profitable.
OPOF had a positive operating cash flow in the past year.
In the past 5 years OPOF has always been profitable.
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.
Looking at the Return On Equity, with a value of 7.33%, OPOF is in line with its industry, outperforming 42.17% of the companies in the same industry.
| 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's Profit Margin of 13.91% is on the low side compared to the rest of the industry. OPOF is outperformed by 75.76% of its industry peers.
OPOF's Profit Margin has been stable in the last couple of years.
OPOF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
OPOF has a worse debt/assets ratio than last year.
2.2 Solvency
OPOF has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as OPOF would need 2.11 years to pay back of all of its debts.
OPOF has a Debt to FCF ratio of 2.11. This is comparable to the rest of the industry: OPOF outperforms 47.47% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that OPOF is not too dependend on debt financing.
OPOF has a Debt to Equity ratio of 0.25. This is in the lower half of the industry: OPOF underperforms 63.64% of its industry peers.
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
The Earnings Per Share has grown by an impressive 20.84% over the past year.
The Earnings Per Share has been growing slightly by 4.45% on average over the past years.
The Revenue has been growing slightly by 3.69% in the past year.
The Revenue has been growing slightly by 5.07% on average over the past years.
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
The Price/Earnings ratio is 24.76, which indicates a rather expensive current valuation of OPOF.
83.08% of the companies in the same industry are cheaper than OPOF, based on the Price/Earnings ratio.
OPOF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | N/A |
4.2 Price Multiples
OPOF's Price/Free Cash Flow is on the same level as 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%. Purely for dividend investing, there may be better candidates out there.
OPOF's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.37, OPOF's dividend is way lower than the S&P500 average.
| 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.13%
Div Incr Years0
Div Non Decr Years13
5.3 Sustainability
OPOF pays out 32.91% of its income as dividend. This is a sustainable payout ratio.
OPOF's earnings are growing more than its dividend. This makes the dividend growth 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-13.06%
Ins Owners12.74%
Ins Owner Change-236.92%
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.