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OLD POINT FINANCIAL CORP (OPOF) Stock Fundamental Analysis

NASDAQ:OPOF - Nasdaq - US6801941070 - Common Stock - Currency: USD

39.33  -0.09 (-0.23%)

Fundamental Rating

2

OPOF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. OPOF has a bad profitability rating. Also its financial health evaluation is rather negative. OPOF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

OPOF has a Return On Assets of 0.66%. This is in the lower half of the industry: OPOF underperforms 63.73% of its industry peers.
OPOF has a Return On Equity (8.34%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 8.34%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

The Profit Margin of OPOF (15.58%) is worse than 74.56% 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) 15.58%
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 2015 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.
Compared to 1 year ago, OPOF has more shares outstanding
OPOF has less shares outstanding than it did 5 years ago.
OPOF has a worse debt/assets ratio than last year.
OPOF Yearly Shares OutstandingOPOF Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

OPOF has a debt to FCF ratio of 2.55. This is a good value and a sign of high solvency as OPOF would need 2.55 years to pay back of all of its debts.
OPOF's Debt to FCF ratio of 2.55 is in line compared to the rest of the industry. OPOF outperforms 42.32% of its industry peers.
OPOF has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.30, OPOF is doing worse than 68.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 2.55
Altman-Z N/A
ROIC/WACCN/A
WACC13.23%
OPOF Yearly LT Debt VS Equity VS FCFOPOF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.06% over the past year.
The Earnings Per Share has been growing slightly by 4.45% on average over the past years.
Looking at the last year, OPOF shows a decrease in Revenue. The Revenue has decreased by -1.35% 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)21.06%
EPS 3Y5.25%
EPS 5Y4.45%
EPS Q2Q%89.03%
Revenue 1Y (TTM)-1.35%
Revenue growth 3Y4.55%
Revenue growth 5Y5.07%
Sales Q2Q%2.41%

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 2014 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 20.92, OPOF is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of OPOF indicates a rather expensive valuation: OPOF more expensive than 81.36% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.10. OPOF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 20.92
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

62.47% of the companies in the same industry are cheaper than OPOF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.19
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)4.7
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.42%, OPOF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.49, OPOF is paying slightly less dividend.
With a Dividend Yield of 1.42, OPOF pays less dividend than the S&P500 average, which is at 2.43.
Industry RankSector Rank
Dividend Yield 1.42%

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 Years3
Div Non Decr Years12
OPOF Yearly Dividends per shareOPOF Yearly Dividends per shareYearly Dividends per share 2015 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 29.85% 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.
DP29.85%
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 2015 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 (5/6/2025, 12:33:06 PM)

39.33

-0.09 (-0.23%)

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-0.04%
Ins Owners17.77%
Ins Owner Change2.44%
Market Cap200.98M
Analysts0
Price TargetN/A
Short Float %0.49%
Short Ratio0.87
Dividend
Industry RankSector Rank
Dividend Yield 1.42%
Yearly Dividend0.56
Dividend Growth(5Y)3.13%
DP29.85%
Div Incr Years3
Div Non Decr Years12
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 RankSector Rank
PE 20.92
Fwd PE N/A
P/S 3.29
P/FCF 15.19
P/OCF 13.72
P/B 1.76
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)1.88
EY4.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.59
FCFY6.58%
OCF(TTM)2.87
OCFY7.29%
SpS11.94
BVpS22.3
TBVpS21.95
PEG (NY)N/A
PEG (5Y)4.7
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 8.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.58%
GM N/A
FCFM 21.69%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 2.55
Debt/EBITDA N/A
Cap/Depr 55.68%
Cap/Sales 2.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 139.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.23%
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)21.06%
EPS 3Y5.25%
EPS 5Y4.45%
EPS Q2Q%89.03%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.35%
Revenue growth 3Y4.55%
Revenue growth 5Y5.07%
Sales Q2Q%2.41%
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 1Y33.09%
FCF growth 3Y-15.16%
FCF growth 5Y4.56%
OCF growth 1Y33.18%
OCF growth 3Y-14.19%
OCF growth 5Y3.43%