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Old Point Financial Corporation OPOF
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 37.9
-0.579 %
$ 193 M
Market Cap
20.09
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OPOF stock under the worst case scenario is HIDDEN Compared to the current market price of 37.9 USD, Old Point Financial Corporation is HIDDEN

OPOF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OPOF stock under the base case scenario is HIDDEN Compared to the current market price of 37.9 USD, Old Point Financial Corporation is HIDDEN

OPOF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OPOF stock under the best case scenario is HIDDEN Compared to the current market price of 37.9 USD, Old Point Financial Corporation is HIDDEN

OPOF Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart OPOF

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1M 27%
6M 88%
1Y 182%
3Y 58.0%
5Y 171%
All
$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0$18.0$18.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
60.9 M REVENUE
2.43%
Growth Rates
1Year 2.43%
3Years 4.30%
5Years 4.93%
7Years 4.95%
10Years 4.54%
16.8 M OPERATING INCOME
12.58%
Growth Rates
1Year 12.58%
3Years 19.96%
5Years 13.46%
7Years 96.05%
10Years 57.41%
9.51 M NET INCOME
23.00%
Growth Rates
1Year 23.00%
3Years 4.05%
5Years 3.88%
7Years 128.96%
10Years 8.73%
14.6 M OPERATING CASH FLOW
33.18%
Growth Rates
1Year 33.18%
3Years -14.19%
5Years 3.43%
7Years 6.48%
10Years 3.85%
0 INVESTING CASH FLOW
100.00%
Growth Rates
1Year 100.00%
3Years 25.99%
5Years 0.00%
7Years 10.41%
10Years 7.18%
-716 K FINANCING CASH FLOW
-0.88%
Growth Rates
1Year -0.88%
3Years -0.23%
5Years -2.23%
7Years -0.13%
10Years -4.82%
15.4 M REVENUE
-16.81%
Growth Rates
1Year 2.43%
3Years 4.30%
5Years 4.93%
7Years 4.95%
10Years 4.54%
4.65 M OPERATING INCOME
2806.88%
Growth Rates
1Year 12.58%
3Years 19.96%
5Years 13.46%
7Years 96.05%
10Years 57.41%
2.88 M NET INCOME
20.91%
Growth Rates
1Year 23.00%
3Years 4.05%
5Years 3.88%
7Years 128.96%
10Years 8.73%
3.34 M OPERATING CASH FLOW
-49.24%
Growth Rates
1Year 33.18%
3Years -14.19%
5Years 3.43%
7Years 6.48%
10Years 3.85%
-13.8 M INVESTING CASH FLOW
-44.85%
Growth Rates
1Year 100.00%
3Years 25.99%
5Years 0.00%
7Years 10.41%
10Years 7.18%
-26.4 M FINANCING CASH FLOW
-56.90%
Growth Rates
1Year -0.88%
3Years -0.23%
5Years -2.23%
7Years -0.13%
10Years -4.82%
Balance Sheet Old Point Financial Corporation
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Current Assets 140 M
Cash & Short-Term Investments 140 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.31 B
Long-Term Investments 0
PP&E 29.2 M
Other Non-Current Assets 1.28 B
9.65 %88.33 %Total Assets$1.5b
Current Liabilities 7.92 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 7.92 M
Non-Current Liabilities 1.33 B
Long-Term Debt 69.8 M
Other Non-Current Liabilities 1.26 B
5.21 %94.20 %Total Liabilities$1.3b
EFFICIENCY
Earnings Waterfall Old Point Financial Corporation
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Revenue 60.9 M
Cost Of Revenue 0
Gross Profit 60.9 M
Operating Expenses 44.1 M
Operating Income 16.8 M
Other Expenses 7.3 M
Net Income 9.51 M
70m70m60m60m50m50m40m40m30m30m20m20m10m10m0061m061m(44m)17m(7m)10mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 97.77%
5Years 95.92%
7Years 95.53%
10Years 95.24%
27.59% OPERATING MARGIN
27.59%
Averages
1Year 27.59%
3Years 24.60%
5Years 20.83%
7Years 20.66%
10Years 14.76%
15.61% NET MARGIN
15.61%
Averages
1Year 15.61%
3Years 14.98%
5Years 14.36%
7Years 14.11%
10Years 11.69%
8.34% ROE
8.34%
Averages
1Year 8.34%
3Years 8.27%
5Years 7.28%
7Years 6.91%
10Years 5.62%
0.66% ROA
0.66%
Averages
1Year 0.66%
3Years 0.62%
5Years 0.59%
7Years 0.59%
10Years 0.50%
0.97% ROIC
0.97%
Averages
1Year 0.97%
3Years 1.29%
5Years 1.21%
7Years 1.10%
10Years 0.78%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Old Point Financial Corporation
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25m25m20m20m15m15m10m10m5m5m00(5m)(5m)(10m)(10m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 9.51 M
Depreciation & Amortization 131 K
Capital Expenditures 0
Stock-Based Compensation 51 K
Change in Working Capital 0
Others -9.51 M
Free Cash Flow 13.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Old Point Financial Corporation
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OPOF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.54% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.080.10.110.110.120.120.120.130.140.140.140.080.10.110.110.120.120.120.130.140.140.090.10.110.110.120.120.130.130.140.140.090.340.10.400.110.440.110.440.120.480.120.480.130.500.130.520.140.560.140.560.142015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Old Point Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
46.3 K USD 2
6-9 MONTHS
1.71 M USD 2
9-12 MONTHS
7. News
The Zacks Analyst Blog T-Mobile, Salesforce, Alibaba and Old Point Financial T-Mobile, Salesforce, Alibaba and Old Point Financial are included in this Analyst Blog. zacks.com - 2 weeks ago
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Old Point Financial Corporation - OPOF NEW YORK , April 3, 2025 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Old Point Financial Corporation (NASDAQ: OPOF ), relating to the proposed merger with TowneBank. prnewswire.com - 4 weeks ago
OPOF Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Old Point Financial Corporation Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Old Point Financial Corporation (NASDAQ: OPOF) to Hampton Roads based TowneBank is fair to Old Point shareholders. Under the terms of the agreement, Old Point shareholders will elect to receive either $41.00 in cash or 1.1400 shares of TowneBank common stock for each share of Old Point common stock. Halper Sadeh encourages Old Point shareholders to click here to learn more about their. businesswire.com - 4 weeks ago
Old Point Financial Corporation Announces Quarterly Dividend HAMPTON, Va. , Feb. 19, 2025 /PRNewswire/ -- Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on March 28, 2025 to shareholders of record as of March 5, 2025. prnewswire.com - 2 months ago
Old Point Releases Fourth Quarter and Full Year 2024 Results HAMPTON, Va. , Jan. 30, 2025 /PRNewswire/ -- Old Point Financial Corporation (the "Company" or "Old Point") (NASDAQ "OPOF") reported net income of $2.9 million with diluted earnings per common share of $0.57 for the fourth quarter of 2024 compared to net income of $2.4 million with diluted earnings per common share of $0.47 for the third quarter of 2024, and net income of $1.5 million with diluted earnings per common share of $0.29 for the fourth quarter of 2023. prnewswire.com - 3 months ago
Old Point Financial Corporation Announces Quarterly Dividend HAMPTON, Va., Nov. 20, 2024 /PRNewswire/ -- Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on December 27, 2024 to shareholders of record as of December 4, 2024. prnewswire.com - 5 months ago
OLD POINT ANNOUNCES APPOINTMENT OF CATHY W. LILES AS CHIEF FINANCIAL OFFICER HAMPTON, Va. , Nov. 8, 2024 /PRNewswire/ -- Cathy W. prnewswire.com - 5 months ago
Old Point Releases Third Quarter 2024 Results HAMPTON, Va. , Oct. 24, 2024 /PRNewswire/ -- Old Point Financial Corporation (the "Company" or "Old Point") (NASDAQ "OPOF") reported net income of $2.4 million with diluted earnings per common share of $0.47 for the third quarter of 2024 compared to net income of $2.5 million with diluted earnings per common share of $0.50 for the second quarter of 2024, and net income of $1.4 million with diluted earnings per common share of $0.27 for the third quarter of 2023. prnewswire.com - 6 months ago
Old Point Financial Corporation Announces Quarterly Dividend HAMPTON, Va. , Aug. 21, 2024 /PRNewswire/ -- Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on September 27, 2024 to shareholders of record as of September 4, 2024. prnewswire.com - 8 months ago
Old Point Releases Second Quarter 2024 Results HAMPTON, Va. , July 25, 2024 /PRNewswire/ -- Old Point Financial Corporation (the "Company" or "Old Point") (NASDAQ "OPOF") reported net income of $2.5 million with diluted earnings per common share of $0.50 for the second quarter of 2024 compared to net income of $1.7 million with diluted earnings per common share of $0.34 for the first quarter of 2024, and net income of $1.8 million with diluted earnings per common share of $0.36 for the second quarter of 2023. prnewswire.com - 9 months ago
Old Point Financial Corporation Announces Quarterly Dividend HAMPTON, Va., May 22, 2024 /PRNewswire/ -- Old Point Financial Corporation declared a quarterly cash dividend of $0.14 per share on its common stock to be paid on June 28, 2024 to shareholders of record as of June 5, 2024. prnewswire.com - 11 months ago
Old Point Releases First Quarter 2024 Results HAMPTON, Va. , April 30, 2024 /PRNewswire/ -- Old Point Financial Corporation (the "Company" or "Old Point") (NASDAQ "OPOF") reported net income of $1.7 million and diluted earnings per common share of $0.34 for the first quarter of 2024 compared to net income of $1.5 million and diluted earnings per common share of $0.29 for the fourth quarter of 2023, and net income of $3.1 million and diluted earnings per common share of $0.62 for the first quarter of 2023. prnewswire.com - 1 year ago
8. Profile Summary

Old Point Financial Corporation OPOF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 193 M
Dividend Yield 0.54%
Description Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.
Contact 101 East Queen Street, Hampton, VA, 23669 https://oldpoint.com
IPO Date Jan. 11, 1999
Employees 260
Officers Mr. A. Eric Kauders Jr. Secretary, Chairman, President & Chief Executive Officer of Old Point Wealth Management Mr. Robert F. Shuford Jr. Chairman, Chief Executive Officer & President Ms. Laura Wright Senior Vice President & Marketing Director Mr. Joseph R. Witt CPA Executive Director Ms. Cathy W. Liles CAP EVice President & Chief Financial Officer - Old Point National Bank Mr. Thomas L. Hotchkiss Chief Credit Officer & Executive Vice President of Old Point National Bank Mr. Eugene M. Jordan II General Counsel & Executive Vice President of Corporate Counsel Mr. Donald S. Buckless EVice President, Chief Lending Officer & Chief Banking Officer - Old Point National Bank