(OPOF) Old Point Financial - Ratings and Ratios
Banking, Loans, Deposits, Insurance, Wealth Management
OPOF EPS (Earnings per Share)
OPOF Revenue
Description: OPOF Old Point Financial
Old Point Financial Corporation is a bank holding company that operates through three main segments: Bank, Wealth, and Parent. The company provides a range of financial services, including consumer, mortgage, and business banking, as well as wealth management and insurance products. Its banking services include deposit products, such as interest-bearing transaction accounts and time deposits, and loan products, including real estate construction, commercial, and mortgage loans.
Key performance indicators (KPIs) for Old Point Financial Corporation include its efficiency ratio, which measures the companys ability to manage its expenses relative to its revenue. A lower efficiency ratio indicates better performance. The companys return on equity (RoE) of 8.71% suggests a relatively stable return on shareholder equity. Additionally, its dividend yield and payout ratio are important metrics to consider, as they indicate the companys ability to distribute profits to shareholders. The companys net interest margin (NIM) is also a crucial KPI, as it measures the difference between the interest income earned on assets and the interest expense paid on liabilities.
Old Point Financial Corporations business model is focused on serving businesses, individuals, and commercial customers in Virginia, with a particular emphasis on wealth management and insurance products. The companys ability to generate revenue through non-interest income, such as wealth management fees, is an important aspect of its business model. The companys asset quality, including its non-performing asset (NPA) ratio and provision for loan losses, is also a key metric to monitor, as it indicates the companys credit risk management and loan portfolio performance.
To further evaluate Old Point Financial Corporations performance, it is essential to analyze its capital ratios, such as the tier 1 capital ratio and the common equity tier 1 (CET1) ratio, which indicate the companys capital adequacy and ability to absorb potential losses. The companys liquidity metrics, including its loan-to-deposit ratio and cash and equivalents as a percentage of total assets, are also important indicators of its financial health.
OPOF Stock Overview
| Market Cap in USD | 215m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1999-01-11 |
OPOF Stock Ratings
| Growth Rating | 74.2% |
| Fundamental | 52.1% |
| Dividend Rating | 52.5% |
| Return 12m vs S&P 500 | 108% |
| Analyst Rating | - |
OPOF Dividends
| Dividend Yield 12m | 1.17% |
| Yield on Cost 5y | 3.01% |
| Annual Growth 5y | 3.13% |
| Payout Consistency | 95.2% |
| Payout Ratio | 24.7% |
OPOF Growth Ratios
| Growth Correlation 3m | 73.4% |
| Growth Correlation 12m | 98.3% |
| Growth Correlation 5y | 24.5% |
| CAGR 5y | 24.32% |
| CAGR/Max DD 3y | 0.49 |
| CAGR/Mean DD 3y | 0.98 |
| Sharpe Ratio 12m | 0.28 |
| Alpha | 100.62 |
| Beta | 0.630 |
| Volatility | 31.17% |
| Current Volume | 0k |
| Average Volume 20d | 19.9k |
| Stop Loss | 40.8 (-3.1%) |
| Signal | 1.52 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (8.66m TTM) > 0 and > 6% of Revenue (6% = 4.94m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 277.7% (prev -1131 %; Δ 1409 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 13.7m > Net Income 8.66m (YES >=105%, WARN >=100%) |
| Net Debt (-14.3m) to EBITDA (10.8m) ratio: -1.32 <= 3.0 (WARN <= 3.5) |
| Current Ratio 69.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (5.10m) change vs 12m ago 0.77% (target <= -2.0% for YES) |
| Gross Margin 77.26% (prev 78.10%; Δ -0.85pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.83% (prev 5.92%; Δ -0.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.40 (EBITDA TTM 10.8m / Interest Expense TTM 23.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.41
| (A) 0.16 = (Total Current Assets 232.0m - Total Current Liabilities 3.32m) / Total Assets 1.40b |
| (B) 0.06 = Retained Earnings (Balance) 90.5m / Total Assets 1.40b |
| (C) 0.01 = EBIT TTM 9.12m / Avg Total Assets 1.41b |
| (D) 0.08 = Book Value of Equity 100.5m / Total Liabilities 1.28b |
| Total Rating: 1.41 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.13
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 26.68% = 5.0 |
| 3. FCF Margin 16.95% = 4.24 |
| 4. Debt/Equity 0.59 = 2.33 |
| 5. Debt/Ebitda 6.41 = -2.50 |
| 6. ROIC - WACC -3.79% = -4.74 |
| 7. RoE 7.45% = 0.62 |
| 8. Rev. Trend 58.31% = 2.92 |
| 9. Rev. CAGR 4.11% = 0.51 |
| 10. EPS Trend -29.89% = -0.75 |
| 11. EPS CAGR -23.41% = -2.50 |
What is the price of OPOF shares?
Over the past week, the price has changed by +0.00%, over one month by +1.49%, over three months by +6.83% and over the past year by +143.37%.
Is Old Point Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OPOF is around 43.85 USD . This means that OPOF is currently overvalued and has a potential downside of 4.16%.
Is OPOF a buy, sell or hold?
What are the forecasts/targets for the OPOF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 15 | -64.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 48.6 | 15.5% |
Last update: 2025-09-05 04:54
OPOF Fundamental Data Overview
CCE Cash And Equivalents = 232.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 24.6199
P/S = 3.5211
P/B = 1.8183
Beta = -0.317
Revenue TTM = 82.3m USD
EBIT TTM = 9.12m USD
EBITDA TTM = 10.8m USD
Long Term Debt = 66.2m USD (from longTermDebt, last quarter)
Short Term Debt = 3.32m USD (from shortTermDebt, last quarter)
Debt = 69.5m USD (Calculated: Short Term 3.32m + Long Term 66.2m)
Net Debt = -14.3m USD (from netDebt column, last quarter)
Enterprise Value = 52.3m USD (214.8m + Debt 69.5m - CCE 232.0m)
Interest Coverage Ratio = 0.40 (Ebit TTM 9.12m / Interest Expense TTM 23.0m)
FCF Yield = 26.68% (FCF TTM 14.0m / Enterprise Value 52.3m)
FCF Margin = 16.95% (FCF TTM 14.0m / Revenue TTM 82.3m)
Net Margin = 10.52% (Net Income TTM 8.66m / Revenue TTM 82.3m)
Gross Margin = 77.26% ((Revenue TTM 82.3m - Cost of Revenue TTM 18.7m) / Revenue TTM)
Tobins Q-Ratio = 0.52 (Enterprise Value 52.3m / Book Value Of Equity 100.5m)
Interest Expense / Debt = 7.76% (Interest Expense 5.39m / Debt 69.5m)
Taxrate = 16.63% (1.90m / 11.4m)
NOPAT = 7.60m (EBIT 9.12m * (1 - 16.63%))
Current Ratio = 69.85 (Total Current Assets 232.0m / Total Current Liabilities 3.32m)
Debt / Equity = 0.59 (Debt 69.5m / last Quarter total Stockholder Equity 118.1m)
Debt / EBITDA = 6.41 (Net Debt -14.3m / EBITDA 10.8m)
Debt / FCF = 4.98 (Debt 69.5m / FCF TTM 14.0m)
Total Stockholder Equity = 116.2m (last 4 quarters mean)
RoA = 0.62% (Net Income 8.66m, Total Assets 1.40b )
RoE = 7.45% (Net Income TTM 8.66m / Total Stockholder Equity 116.2m)
RoCE = 5.00% (Ebit 9.12m / (Equity 116.2m + L.T.Debt 66.2m))
RoIC = 4.09% (NOPAT 7.60m / Invested Capital 185.7m)
WACC = 7.88% (E(214.8m)/V(284.3m) * Re(8.34%)) + (D(69.5m)/V(284.3m) * Rd(7.76%) * (1-Tc(0.17)))
Shares Correlation 3-Years: 93.94 | Cagr: 0.16%
Discount Rate = 8.34% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.94% ; FCFE base≈11.6m ; Y1≈10.7m ; Y5≈9.68m
Fair Price DCF = 32.30 (DCF Value 164.8m / Shares Outstanding 5.10m; 5y FCF grow -9.76% → 3.0% )
Revenue Correlation: 58.31 | Revenue CAGR: 4.11%
Rev Growth-of-Growth: -24.29
EPS Correlation: -29.89 | EPS CAGR: -23.41%
EPS Growth-of-Growth: 34.34
Additional Sources for OPOF Stock
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