OLD POINT FINANCIAL CORP (OPOF) Fundamental Analysis & Valuation

NASDAQ:OPOF • US6801941070

Current stock price

42.1 USD
+0.94 (+2.28%)
At close:
41.5 USD
-0.6 (-1.43%)
After Hours:

This OPOF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. OPOF Profitability Analysis

1.1 Basic Checks

  • OPOF had positive earnings in the past year.
  • OPOF had a positive operating cash flow in the past year.
  • Each year in the past 5 years OPOF has been profitable.
  • OPOF had a positive operating cash flow in 4 of the past 5 years.
OPOF Yearly Net Income VS EBIT VS OCF VS FCFOPOF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

  • The Return On Assets of OPOF (0.62%) is worse than 69.19% of its industry peers.
  • With a Return On Equity value of 7.33%, OPOF perfoms like the industry average, outperforming 42.17% of the companies in the same industry.
Industry RankSector 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
OPOF Yearly ROA, ROE, ROICOPOF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

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 RankSector 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
OPOF Yearly Profit, Operating, Gross MarginsOPOF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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2

2. OPOF Health Analysis

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.
  • The debt/assets ratio for OPOF is higher compared to a year ago.
OPOF Yearly Shares OutstandingOPOF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
OPOF Yearly Total Debt VS Total AssetsOPOF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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.
  • With a Debt to FCF ratio value of 2.11, OPOF perfoms like the industry average, outperforming 47.47% of the companies in the same industry.
  • A Debt/Equity ratio of 0.25 indicates that OPOF is not too dependend on debt financing.
  • OPOF's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. OPOF is outperformed by 63.64% of its industry peers.
  • Although OPOF's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACCN/A
WACC12.94%
OPOF Yearly LT Debt VS Equity VS FCFOPOF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OPOF Yearly Current Assets VS Current LiabilitesOPOF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. OPOF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.84% over the past year.
  • Measured over the past 5 years, OPOF shows a small growth in Earnings Per Share. The EPS has been growing by 4.45% on average per year.
  • Looking at the last year, OPOF shows a small growth in Revenue. The Revenue has grown by 3.69% in the last year.
  • OPOF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.07% yearly.
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.
OPOF Yearly Revenue VS EstimatesOPOF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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1

4. OPOF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 24.76 indicates a rather expensive valuation of OPOF.
  • Compared to the rest of the industry, the Price/Earnings ratio of OPOF indicates a rather expensive valuation: OPOF more expensive than 83.08% of the companies listed in the same industry.
  • OPOF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.76
Fwd PE N/A
OPOF Price Earnings VS Forward Price EarningsOPOF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPOF is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 15.39
EV/EBITDA N/A
OPOF Per share dataOPOF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)5.57
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. OPOF Dividend Analysis

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 2.73.
  • OPOF's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.33%

5.2 History

  • The dividend of OPOF has a limited annual growth rate of 3.13%.
  • OPOF has been paying a dividend for at least 10 years, so it has 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
OPOF Yearly Dividends per shareOPOF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • OPOF pays out 32.91% of its income as dividend. This is a 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
OPOF Yearly Income VS Free CF VS DividendOPOF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M
OPOF Dividend Payout.OPOF Dividend Payout, showing the Payout Ratio.OPOF Dividend Payout.PayoutRetained Earnings

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OPOF Fundamentals: All Metrics, Ratios and Statistics

OLD POINT FINANCIAL CORP

NASDAQ:OPOF (8/29/2025, 8:00:02 PM)

After market: 41.5 -0.6 (-1.43%)

42.1

+0.94 (+2.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30
Earnings (Next)10-22
Inst Owners37.59%
Inst Owner Change0%
Ins Owners12.74%
Ins Owner Change0%
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 RankSector Rank
Dividend Yield 1.33%
Yearly Dividend0.56
Dividend Growth(5Y)3.13%
DP32.91%
Div Incr Years0
Div Non Decr Years13
Ex-DateN/A
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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis FAQ

What is the fundamental rating for OPOF stock?

ChartMill assigns a fundamental rating of 2 / 10 to OPOF.


What is the valuation status of OLD POINT FINANCIAL CORP (OPOF) stock?

ChartMill assigns a valuation rating of 1 / 10 to OLD POINT FINANCIAL CORP (OPOF). This can be considered as Overvalued.


Can you provide the profitability details for OLD POINT FINANCIAL CORP?

OLD POINT FINANCIAL CORP (OPOF) has a profitability rating of 2 / 10.


What is the valuation of OLD POINT FINANCIAL CORP based on its PE and PB ratios?

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.