OPOF - Old Point Financial Corp Stock Price, Fair Value and News

15.15USD+1.00 (+7.07%)Delayed as of 17 May 2024, 01:25 pm ET

Market Summary

USD15.15+1.00

Delayedas of 17 May 2024, 01:25 pm

7.07%

OPOF Stock Price

View Fullscreen

OPOF RSI Chart

OPOF Valuation

Market Cap

71.8M

Price/Earnings (Trailing)

11.29

Price/Sales (Trailing)

1.04

EV/EBITDA

-0.38

Price/Free Cashflow

7.52

OPOF Price/Sales (Trailing)

OPOF Profitability

EBT Margin

10.68%

Return on Equity

5.91%

Return on Assets

0.44%

Free Cashflow Yield

13.3%

OPOF Fundamentals

OPOF Revenue

Revenue (TTM)

68.9M

Rev. Growth (Yr)

14.72%

Rev. Growth (Qtr)

-3.09%

OPOF Earnings

Earnings (TTM)

6.4M

Earnings Growth (Yr)

-44.31%

Earnings Growth (Qtr)

15.78%

Breaking Down OPOF Revenue

52 Week Range

14.9622.33

(Low)(High)

Last 7 days

Last 30 days

-3.1%

Last 90 days

-16.5%

Trailing 12 Months

-12.1%

How does OPOF drawdown profile look like?

OPOF Financial Health

OPOF Investor Care

Dividend Yield

3.96%

Dividend/Share (TTM)

0.56

Shares Dilution (1Y)

1.51%

Diluted EPS (TTM)

1.26

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	68.9M	0	0	0
2023	52.7M	58.0M	62.8M	66.6M
2022	41.7M	43.0M	44.5M	48.0M
2021	41.0M	41.0M	42.1M	42.3M
2020	40.4M	40.1M	39.6M	40.0M
2019	39.3M	39.8M	40.2M	40.2M
2018	34.0M	35.5M	36.8M	38.2M
2017	30.2M	30.8M	31.9M	32.9M
2016	30.2M	30.0M	29.9M	29.8M
2015	30.3M	30.3M	30.4M	30.3M
2014	29.7M	29.7M	30.0M	30.3M
2013	31.8M	31.0M	30.3M	29.8M
2012	35.3M	34.5M	33.4M	32.6M
2011	39.8M	38.8M	37.6M	36.3M
2010	0	41.4M	41.2M	40.9M
2009	0	0	0	41.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Old Point Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	golden sarah b	acquired	1,987	14.28	139	-
May 07, 2024	langley tom b	acquired	1,987	14.28	139	-
May 01, 2024	adams stephen conway	acquired	17,000	14.05	1,210	-
May 01, 2024	glasser michael a	acquired	17,000	14.05	1,210	-
May 01, 2024	shuford robert f	acquired	17,000	14.05	1,210	-
May 01, 2024	hotchkiss thomas l	acquired	25,753	14.05	1,833	-
May 01, 2024	pickett paul m	acquired	23,168	14.05	1,649	chief financial officer
May 01, 2024	ishon john cabot	acquired	17,000	14.05	1,210	-
May 01, 2024	keefe william f	acquired	17,000	14.05	1,210	-
May 01, 2024	golden sarah b	acquired	17,000	14.05	1,210	-

Which funds bought or sold OPOF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	STATE STREET CORP	unchanged	-	-7,064	174,456	-%
May 15, 2024	MORGAN STANLEY	reduced	-1.2	-3,211	143,104	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	sold off	-100	-36.00	-	-%
May 15, 2024	Steward Partners Investment Advisory, LLC	new	-	373	373	-%
May 15, 2024	Tower Research Capital LLC (TRC)	new	-	373	373	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.79	-1,426	571,590	0.01%
May 14, 2024	NORTHERN TRUST CORP	reduced	-4.85	-15,064	244,365	-%
May 14, 2024	Fourthstone LLC	reduced	-23.1	-115,751	369,040	0.12%
May 14, 2024	FJ Capital Management LLC	unchanged	-	-64,803	6,390,270	0.65%
May 14, 2024	OLD POINT TRUST & FINANCIAL SERVICES N A	added	0.24	-36,721	4,733,250	1.72%

Are Funds Buying or Selling OPOF?

Are funds buying OPOF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OPOF

No. of Funds

Unveiling Old Point Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 07, 2024	fj capital management llc	7.15%	360,015	SC 13G/A
Aug 09, 2023	southern bancshares nc inc	6.0%	302,239	SC 13D/A
Feb 08, 2023	fj capital management llc	7.89%	394,121	SC 13G/A
May 12, 2022	southern bancshares nc inc	5.0%	259,365	SC 13D
Mar 25, 2022	pl capital advisors, llc	11.9%	625,246	SC 13D/A
Mar 25, 2022	pl capital advisors, llc	11.9%	625,246	SC 13D/A
Jan 31, 2022	pl capital advisors, llc	9.9%	519,857	SC 13D/A
Aug 17, 2021	pl capital advisors, llc	9.9%	519,857	SC 13D/A
Feb 10, 2021	fj capital management llc	9.52%	512,121	SC 13G/A
Jan 19, 2021	pl capital advisors, llc	9.4%	489,528	SC 13D/A

Recent SEC filings of Old Point Financial Corp

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 14, 2024	10-Q	Quarterly Report
May 13, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading
May 07, 2024	4	Insider Trading

Peers (Alternatives to Old Point Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Old Point Financial Corp News

Latest updates

Old Point Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-3.1%	17,383	17,937	17,189	16,347	15,153	14,120	12,368	11,085	10,470	10,600	10,815	9,859	10,978	10,438	9,737	9,848	9,986	10,024	10,208	10,133	9,876
EBITDA Margin	-8.1%	0.82*	0.89*	0.98*	1.09*	1.17*	1.19*	1.18*	1.17*	1.17*	1.20*	1.16*	1.13*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.7%	11,540	11,861	11,426	12,099	12,813	12,909	11,571	10,321	9,637	9,656	9,876	9,106	10,156	9,358	8,468	8,473	8,418	8,377	8,552	8,531	8,359
Income Taxes	-13.0%	262	301	160	266	607	471	427	269	307	173	286	267	570	-89.00	61.00	433	116	305	361	183	231
Earnings Before Taxes	10.9%	1,979	1,784	1,522	2,068	3,690	3,114	2,969	2,161	2,338	1,851	2,194	2,109	3,582	456	1,161	2,927	1,366	2,280	2,593	1,809	2,258
EBT Margin	-21.5%	0.11*	0.14*	0.17*	0.20*	0.23*	0.22*	0.21*	0.20*	0.20*	0.23*	0.20*	0.18*	-	-	-	-	-	-	-	-	-
Net Income	15.8%	1,717	1,483	1,362	1,802	3,083	2,643	2,542	1,892	2,031	1,678	1,908	1,842	3,012	545	1,100	2,494	1,250	1,975	2,232	1,626	2,027
Net Income Margin	-20.3%	0.09*	0.12*	0.14*	0.17*	0.19*	0.19*	0.18*	0.17*	0.18*	0.20*	0.17*	0.16*	-	-	-	-	-	-	-	-	-
Free Cashflow	5.0%	2,979	2,836	2,514	1,222	3,371	3,396	3,391	5,089	4,335	5,180	1,332	1,084	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.1%	1,445	1,446	1,447	1,443	1,416	1,355	1,317	1,315	1,325	1,338	1,312	1,275	1,258	1,226	1,256	1,221	1,065	1,054	1,051	1,029	1,027
Cash Equivalents	18.5%	93.00	79.00	78.00	54.00	29.00	19.00	55.00	87.00	158	188	184	155	177	120	132	130	78.00	90.00	91.00	51.00	33.00
Net PPE	0.9%	30.00	30.00	30.00	30.00	31.00	31.00	31.00	31.00	31.00	32.00	32.00	32.00	32.00	34.00	34.00	34.00	35.00	35.00	36.00	36.00	37.00
Goodwill	0%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00
Liabilities	-0.1%	1,338	1,340	1,348	1,341	1,314	1,257	1,223	1,214	1,217	1,217	1,191	1,155	1,140	1,109	1,139	1,105	955	945	942	922	922
Shareholder's Equity	0.8%	108	107	100	103	103	99.00	94.00	101	108	121	121	120	118	117	117	116	110	110	109	107	105
Retained Earnings	1.2%	83.00	82.00	81.00	81.00	80.00	78.00	76.00	74.00	73.00	72.00	71.00	69.00	68.00	66.00	66.00	65.00	64.00	63.00	62.00	60.00	59.00
Additional Paid-In Capital	0.5%	17.00	17.00	17.00	17.00	17.00	17.00	16.00	18.00	19.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00	21.00
Shares Outstanding	0.0%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	58.00	-	-	-	85.00	-	-	-	93.00	-	-	-	59.00	-	-	-	84.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	25.8%	3,778	3,004	2,912	1,579	3,501	3,781	3,759	5,493	4,532	5,564	1,702	1,718	14,192	717	-8,776	756	-1,332	4,439	3,052	3,226	1,653
Share Based Compensation	-40.9%	75.00	127	171	141	107	121	121	103	71.00	80.00	84.00	69.00	61.00	62.00	56.00	57.00	86.00	63.00	22.00	89.00	50.00
Cashflow From Investing	188.9%	14,273	4,941	15,516	-1,841	-51,163	-70,647	-42,639	-69,389	-30,765	-27,153	-8,118	-43,834	18,374	19,375	-22,167	-98,394	-21,055	-7,690	18,760	15,318	2,743
Cashflow From Financing	48.7%	-3,499	-6,827	5,050	25,356	57,481	31,573	6,607	-7,591	-3,386	25,207	35,222	20,210	24,401	-31,531	33,200	149,127	10,652	1,909	18,793	-741	-13,814
Dividend Payments	-0.1%	705	706	706	705	700	652	652	662	674	682	682	630	626	628	626	627	624	625	623	625	623
Buy Backs	-	-	-	-	-	-	-	1,685	1,922	3,048	150	-	-	-	-	-	-	-	-	-	-	-

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

OPOF Income Statement

2024-03-31

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees	$ 14,544	$ 13,041
Due from banks	799	64
Federal funds sold	9	6
Securities:
Taxable	1,798	1,764
Tax-exempt	139	212
Dividends and interest on all other securities	94	66
Total interest and dividend income	17,383	15,153
Interest expense:
Checking and savings deposits	2,597	854
Time deposits	2,172	537
Federal funds purchased, securities sold under agreements to repurchase and other borrowings	1	37
Federal Home Loan Bank advances	778	295
Long-term borrowings	295	617
Total interest expense	5,843	2,340
Net interest income	11,540	12,813
Provision for credit losses	80	376
Net interest income after provision for credit losses	11,460	12,437
Noninterest income:
Bank-owned life insurance income	265	254
Mortgage banking income	16	95
Gain on sale of repossessed assets	22	0
Total noninterest income	3,222	3,421
Noninterest expense:
Salaries and employee benefits	7,831	7,363
Occupancy and equipment	1,173	1,195
Data processing	1,315	1,179
Customer development	55	113
Professional services	585	673
Employee professional development	211	234
Other taxes	261	213
ATM and other losses	231	255
Other operating expenses	1,041	943
Total noninterest expense	12,703	12,168
Income before income taxes	1,979	3,690
Income tax expense	262	607
Net income	$ 1,717	$ 3,083
Basic Earnings per Share:
Weighted average shares outstanding (in shares)	5,039,819	4,999,887
Net income per share of common stock (in dollars per share)	$ 0.34	$ 0.62
Diluted Earnings per Share:
Weighted average shares outstanding (in shares)	5,039,876	5,000,020
Net income per share of common stock (in dollars per share)	$ 0.34	$ 0.62
Fiduciary and Asset Management Fees [Member]
Noninterest income:
Noninterest revenue	$ 1,192	$ 1,116
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest revenue	758	753
Other Service Charges, Commissions and Fees [Member]
Noninterest income:
Noninterest revenue	883	1,109
Other Operating Income [Member]
Noninterest income:
Noninterest revenue	$ 86	$ 94

OPOF Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($)
$ in Thousands

Mar. 31, 2024

Dec. 31, 2023

Assets

Cash and due from banks

$ 16,427

$ 14,731

Interest-bearing due from banks

75,584

63,539

Federal funds sold

1,300

489

Cash and cash equivalents

93,311

78,759

Securities available-for-sale, at fair value

199,798

204,278

Restricted securities, at cost

5,239

5,176

Loans held for sale

470

Loans, net

^[1]

1,055,955

1,068,046

Premises and equipment, net

30,178

29,913

Premises and equipment, held for sale

344

Bank-owned life insurance

35,353

35,088

Goodwill

1,650

Core deposit intangible, net

176

187

Other assets

23,485

22,471

Total assets

1,445,489

1,446,382

Deposits:

Noninterest-bearing deposits

355,140

331,992

Savings deposits

632,696

655,694

Time deposits

240,433

242,711

Total deposits

1,228,269

1,230,397

Overnight repurchase agreements

1,684

2,383

Federal Home Loan Bank advances

69,450

Subordinated notes

29,701

29,668

Accrued expenses and other liabilities

8,755

7,706

Total liabilities

1,337,859

1,339,604

Stockholders' equity:

Common stock, $5 par value, 10,000,000 shares authorized; 5,040,391 and 5,040,095 shares outstanding (includes 51,169 and 53,660 of nonvested restricted stock, respectively)

24,946

24,932

Additional paid-in capital

17,193

17,099

Retained earnings

83,289

82,277

Accumulated other comprehensive loss, net

(17,798)

(17,530)

Total stockholders' equity

107,630

106,778

Total liabilities and stockholders' equity

$ 1,445,489

$ 1,446,382

[1]	Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.

About Old Point Financial Corp

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, 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. Further, it offers debit cards; online, telephone, text banking; overdraft protection; bill pay; mobile payment; check ordering; and ATM. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.

CEO	Mr. Robert F. Shuford Jr.
WEBSITE	https://oldpoint.com
INDUSTRY	Banks Diversified
EMPLOYEES	294

Old Point Financial Corp Frequently Asked Questions

What is the ticker symbol for Old Point Financial Corp? What does OPOF stand for in stocks?

OPOF is the stock ticker symbol of Old Point Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Old Point Financial Corp (OPOF)?

As of Thu May 16 2024, market cap of Old Point Financial Corp is 71.82 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OPOF stock?

You can check OPOF's fair value in chart for subscribers.

What is the fair value of OPOF stock?

You can check OPOF's fair value in chart for subscribers. The fair value of Old Point Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Old Point Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OPOF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Old Point Financial Corp a good stock to buy?

The fair value guage provides a quick view whether OPOF is over valued or under valued. Whether Old Point Financial Corp is cheap or expensive depends on the assumptions which impact Old Point Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OPOF.

What is Old Point Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, OPOF's PE ratio (Price to Earnings) is 11.29 and Price to Sales (PS) ratio is 1.04. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OPOF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Old Point Financial Corp's stock?

In the past 10 years, Old Point Financial Corp has provided 0.01 (multiply by 100 for percentage) rate of return.