OPOF Fundamental Analysis - OLD POINT FINANCIAL CORP

Fundamental Rating

OPOF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of OPOF have multiple concerns. OPOF is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year OPOF was profitable.

In the past year OPOF had a positive cash flow from operations.

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

Looking at the Return On Assets, with a value of 0.69%, OPOF is doing worse than 62.34% of the companies in the same industry.

Looking at the Return On Equity, with a value of 8.49%, OPOF is in line with its industry, outperforming 51.91% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.69%
ROE	8.49%
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

The Profit Margin of OPOF (15.96%) is worse than 72.01% of its industry peers.

In the last couple of years the Profit Margin of OPOF has remained more or less at the same level.

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)	15.96%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, OPOF has less shares outstanding

OPOF has a worse debt/assets ratio than last year.

2.2 Solvency

OPOF has a debt to FCF ratio of 2.40. This is a good value and a sign of high solvency as OPOF would need 2.40 years to pay back of all of its debts.

OPOF has a Debt to FCF ratio of 2.40. This is comparable to the rest of the industry: OPOF outperforms 44.02% of its industry peers.

A Debt/Equity ratio of 0.25 indicates that OPOF is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.25, OPOF is not doing good in the industry: 63.87% of the companies in the same industry are doing better.

Even though the debt/equity ratio score it not favorable for OPOF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	2.4
Altman-Z	N/A

ROIC/WACCN/A

WACC13.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 54.24% 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 3.64% in the last year.

The Revenue has been growing slightly by 5.07% on average over the past years.

EPS 1Y (TTM)54.24%

EPS 3Y5.25%

EPS 5Y4.45%

EPS Q2Q%24.51%

Revenue 1Y (TTM)3.64%

Revenue growth 3Y4.55%

Revenue growth 5Y5.07%

Sales Q2Q%9.15%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 21.45, OPOF is valued on the expensive side.

Based on the Price/Earnings ratio, OPOF is valued expensively inside the industry as 81.17% of the companies are valued cheaper.

When comparing the Price/Earnings ratio of OPOF to the average of the S&P500 Index (26.87), we can say OPOF is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	21.45
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OPOF is valued a bit more expensive than 65.65% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	17.27
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.82

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.40%, OPOF has a reasonable but not impressive dividend return.

OPOF's Dividend Yield is slightly below the industry average, which is at 3.54.

With a Dividend Yield of 1.40, OPOF pays less dividend than the S&P500 average, which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	1.4%

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 28.63% 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.

DP28.63%

EPS Next 2YN/A

EPS Next 3YN/A

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OLD POINT FINANCIAL CORP

NASDAQ:OPOF (8/15/2025, 8:00:02 PM)

41.4

-0.49 (-1.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30

Earnings (Next)10-22 2025-10-22

Inst Owners37.59%

Inst Owner Change14.5%

Ins Owners12.74%

Ins Owner Change2.18%

Market Cap211.55M

Analysts0

Price TargetN/A

Short Float %3.55%

Short Ratio4.89

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.4%

Yearly Dividend0.56

Dividend Growth(5Y)3.13%

DP28.63%

Div Incr Years0

Div Non Decr Years13

Ex-Date06-09 2025-06-09 (0.14)

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	21.45
Fwd PE	N/A
P/S	3.39
P/FCF	17.27
P/OCF	16.23
P/B	1.8
P/tB	1.83
EV/EBITDA	N/A

EPS(TTM)1.93

EY4.66%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.4

FCFY5.79%

OCF(TTM)2.55

OCFY6.16%

SpS12.2

BVpS22.94

TBVpS22.59

PEG (NY)N/A

PEG (5Y)4.82

Profitability

		Industry Rank	Sector Rank
ROA	0.69%
ROE	8.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	15.96%
GM	N/A
FCFM	19.65%

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

ROICexcg growth 3YN/A

ROICexcg 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	2.4
Debt/EBITDA	N/A
Cap/Depr	31.14%
Cap/Sales	1.25%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	123.16%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC13.11%

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)54.24%

EPS 3Y5.25%

EPS 5Y4.45%

EPS Q2Q%24.51%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.64%

Revenue growth 3Y4.55%

Revenue growth 5Y5.07%

Sales Q2Q%9.15%

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 1Y-19.71%

FCF growth 3Y-15.16%

FCF growth 5Y4.56%

OCF growth 1Y-21.22%

OCF growth 3Y-14.19%

OCF growth 5Y3.43%

OLD POINT FINANCIAL CORP (OPOF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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