OPOF Fundamental Analysis - OLD POINT FINANCIAL CORP

Fundamental Rating

Overall OPOF gets a fundamental rating of 2 out of 10. We evaluated OPOF against 396 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.

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1. Profitability

1.1 Basic Checks

OPOF had positive earnings in the past year.

OPOF had a positive operating cash flow in the past year.

In the past 5 years OPOF has always been profitable.

Of the past 5 years OPOF 4 years had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.69%, OPOF is not doing good in the industry: 62.63% of the companies in the same industry are doing better.

OPOF has a Return On Equity of 8.49%. This is comparable to the rest of the industry: OPOF outperforms 51.26% of its industry peers.

		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 73.48% 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.

OPOF has less shares outstanding than it did 5 years ago.

The debt/assets ratio for OPOF is higher compared to a year ago.

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.

With a Debt to FCF ratio value of 2.40, OPOF perfoms like the industry average, outperforming 41.92% of the companies in the same industry.

OPOF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of OPOF (0.25) is worse than 64.90% 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	2.4
Altman-Z	N/A

ROIC/WACCN/A

WACC15.27%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OPOF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 54.24%, 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.

The Revenue has been growing slightly by 3.64% in the past 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)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

The Price/Earnings ratio is 20.26, which indicates a rather expensive current valuation of OPOF.

80.05% of the companies in the same industry are cheaper than OPOF, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.52, OPOF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	20.26
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OPOF is valued a bit more expensive than 68.69% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.31
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.55

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OPOF has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.

OPOF's Dividend Yield is slightly below the industry average, which is at 3.46.

With a Dividend Yield of 1.40, OPOF pays less dividend than the S&P500 average, which is at 2.38.

		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 been paying a dividend for at least 10 years, so it has a reliable track record.

OPOF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

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.

The dividend of OPOF is growing, but earnings are growing more, so the dividend growth is sustainable.

DP28.63%

EPS Next 2YN/A

EPS Next 3YN/A

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OLD POINT FINANCIAL CORP

NASDAQ:OPOF (6/6/2025, 8:17:45 PM)

39.1

+0.24 (+0.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)07-23 2025-07-23

Inst Owners36.4%

Inst Owner Change-91.3%

Ins Owners17.77%

Ins Owner Change2.18%

Market Cap199.80M

Analysts0

Price TargetN/A

Short Float %0.39%

Short Ratio0.77

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-Date03-05 2025-03-05 (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	20.26
Fwd PE	N/A
P/S	3.2
P/FCF	16.31
P/OCF	15.33
P/B	1.7
P/tB	1.73
EV/EBITDA	N/A

EPS(TTM)1.93

EY4.94%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.4

FCFY6.13%

OCF(TTM)2.55

OCFY6.52%

SpS12.2

BVpS22.94

TBVpS22.59

PEG (NY)N/A

PEG (5Y)4.55

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

WACC15.27%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens