OLD POINT FINANCIAL CORP (OPOF)

US6801941070 - Common Stock

13.8  +0.14 (+1.02%)

Fundamental Rating

3

Overall OPOF gets a fundamental rating of 3 out of 10. We evaluated OPOF against 412 industry peers in the Banks industry. OPOF may be in some trouble as it scores bad on both profitability and health. OPOF does not seem to be growing, but still is valued expensively. Finally OPOF also has an excellent dividend rating.



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2

1. Profitability

1.1 Basic Checks

OPOF had positive earnings in the past year.
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

The Return On Assets of OPOF (0.53%) is worse than 77.18% of its industry peers.
OPOF has a Return On Equity of 7.23%. This is in the lower half of the industry: OPOF underperforms 65.53% of its industry peers.
Industry RankSector Rank
ROA 0.53%
ROE 7.23%
ROIC N/A
ROA(3y)0.61%
ROA(5y)0.6%
ROE(3y)7.82%
ROE(5y)7.04%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

OPOF's Profit Margin of 12.49% is on the low side compared to the rest of the industry. OPOF is outperformed by 83.74% of its industry peers.
OPOF's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for OPOF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.49%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.96%
PM growth 5Y3.6%
GM growth 3YN/A
GM growth 5YN/A

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2

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.
OPOF has less shares outstanding than it did 5 years ago.
OPOF has a better debt/assets ratio than last year.

2.2 Solvency

OPOF has a debt to FCF ratio of 3.22. This is a good value and a sign of high solvency as OPOF would need 3.22 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.22, OPOF is in line with its industry, outperforming 43.45% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that OPOF is not too dependend on debt financing.
The Debt to Equity ratio of OPOF (0.30) is worse than 60.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.22
Altman-Z N/A
ROIC/WACCN/A
WACC14.63%

2.3 Liquidity

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

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2

3. Growth

3.1 Past

OPOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.89%.
OPOF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.89% yearly.
Looking at the last year, OPOF shows a small growth in Revenue. The Revenue has grown by 6.72% in the last year.
The Revenue has been growing slightly by 5.65% on average over the past years.
EPS 1Y (TTM)-13.89%
EPS 3Y14.31%
EPS 5Y9.89%
EPS growth Q2Q-43.4%
Revenue 1Y (TTM)6.72%
Revenue growth 3Y7.44%
Revenue growth 5Y5.65%
Revenue growth Q2Q-5.64%

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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3

4. Valuation

4.1 Price/Earnings Ratio

OPOF is valuated reasonably with a Price/Earnings ratio of 8.90.
OPOF's Price/Earnings ratio is a bit cheaper when compared to the industry. OPOF is cheaper than 62.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, OPOF is valued rather cheaply.
Industry RankSector Rank
PE 8.9
Fwd PE N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OPOF is valued a bit cheaper than the industry average as 70.15% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

OPOF has a Yearly Dividend Yield of 4.10%, which is a nice return.
The stock price of OPOF dropped by -23.25% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.76, OPOF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, OPOF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.1%

5.2 History

The dividend of OPOF has a limited annual growth rate of 4.84%.
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)4.84%
Div Incr Years3
Div Non Decr Years12

5.3 Sustainability

OPOF pays out 36.48% 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.
DP36.48%
EPS Next 2YN/A
EPS Next 3YN/A

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OLD POINT FINANCIAL CORP

NASDAQ:OPOF (5/3/2024, 7:10:28 PM)

13.8

+0.14 (+1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap69.55M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.1%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.9
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.9
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 7.23%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 12.49%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-13.89%
EPS 3Y14.31%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)6.72%
Revenue growth 3Y7.44%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y