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OLD POINT FINANCIAL CORP (OPOF) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:OPOF - US6801941070 - Common Stock

42.1 USD
+0.94 (+2.28%)
Last: 8/29/2025, 8:00:02 PM
41.5 USD
-0.6 (-1.43%)
After Hours: 8/29/2025, 8:00:02 PM
Fundamental Rating

2

OPOF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. OPOF may be in some trouble as it scores bad on both profitability and health. OPOF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

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.
  • In the past 5 years OPOF has always 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

  • Looking at the Return On Assets, with a value of 0.62%, OPOF is doing worse than 69.19% of the companies in the same industry.
  • The Return On Equity of OPOF (7.33%) is comparable to the rest of the 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. 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
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.11, OPOF is in line with its industry, 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 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 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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3

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.
  • Looking at the last year, OPOF shows a small growth in Revenue. The Revenue has grown by 3.69% in the last year.
  • 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.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.76, OPOF is valued on the expensive side.
  • Based on the Price/Earnings ratio, OPOF is valued more expensive than 83.08% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.38. OPOF is around the same levels.
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

  • OPOF's Price/Free Cash Flow ratio is in line with the industry average.
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. Dividend

5.1 Amount

  • OPOF has a Yearly Dividend Yield of 1.33%.
  • Compared to an average industry Dividend Yield of 2.87, OPOF is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.85, OPOF is paying slightly less dividend.
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 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
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.
  • 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
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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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 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 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 FAQ

What is the fundamental rating for OPOF stock?

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


Can you provide the valuation status for OLD POINT FINANCIAL CORP?

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 dividend sustainability for OPOF stock?

The dividend rating of OLD POINT FINANCIAL CORP (OPOF) is 5 / 10 and the dividend payout ratio is 32.91%.