(OPOF) Old Point Financial - Ratings and Ratios

Old Point Financial Corporation (NASDAQ:OPOF) is a bank holding company for The Old Point National Bank of Phoebus, offering a comprehensive suite of banking and financial services to individuals and businesses in Virginia. Established in 1922, the company has built a legacy of stability and community-focused banking. Its product range includes deposit accounts such as interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. On the lending side, it provides real estate construction loans, commercial loans, and a variety of mortgage products, including residential 1-4 family mortgages, second mortgages, and home equity lines of credit. Additionally, the company delivers wealth management services, including retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services, and investment management. It also offers insurance products and cash management services tailored to both individual and commercial clients.

Headquartered in Hampton, Virginia, Old Point Financial Corporation operates with a strong emphasis on community banking, serving customers across Virginia with a focus on personalized service and local decision-making. The banks long-standing presence in the region underscores its commitment to supporting local economic growth and fostering financial well-being for its customers. Its full-service banking model is complemented by a range of financial planning and wealth management solutions, positioning it as a one-stop financial services provider.

Based on the provided and , here is a 3-month forecast: The stock is currently trading at $30.53, with a 20-day average volume of 7,691 shares. The SMA 20 ($28.22) and SMA 50 ($26.27) indicate recent upward momentum, while the SMA 200 ($20.06) reflects longer-term growth potential. The ATR of 0.55 suggests low volatility. With a P/E of 16.08 and P/B of 1.34, the stock is moderately valued relative to its earnings and book value. Over the next 3 months, the stock may face resistance at $32 (SMA 50 breakout level) and support at $28 (SMA 20). Expect sideways trading with potential upside if the stock breaks above $32, driven by its moderate P/S of 2.52 and ROE of 7.03%, which signal stable profitability.