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OPOF Old Point Financial Corp.

Price (delayed)

$20.78

Market cap

$105.51M

P/E Ratio

12.91

Dividend/share

$0.56

EPS

$1.61

Enterprise value

$202,502

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 ...

Highlights
The debt has contracted by 29% YoY
The company's equity rose by 16% YoY and by 5% QoQ
Old Point Financial's EPS has increased by 14% from the previous quarter but it has decreased by 10% YoY
OPOF's net income is up by 14% from the previous quarter but it is down by 9% YoY
The gross profit has contracted by 2.3% YoY
The revenue has declined by 2.3% year-on-year

Key stats

What are the main financial stats of OPOF
Market
Shares outstanding
5.08M
Market cap
$105.51M
Enterprise value
$202,502
Valuations
Price to earnings (P/E)
12.91
Price to book (P/B)
0.91
Price to sales (P/S)
1.77
EV/EBIT
0.02
EV/EBITDA
0.02
EV/Sales
0
Earnings
Revenue
$59.5M
EBIT
$9.87M
EBITDA
$12.51M
Free cash flow
$12.05M
Per share
EPS
$1.61
Free cash flow per share
$2.37
Book value per share
$22.75
Revenue per share
$11.72
TBVPS
$290.77
Balance sheet
Total assets
$1.48B
Total liabilities
$1.36B
Debt
$71.54M
Equity
$115.46M
Working capital
N/A
Liquidity
Debt to equity
0.62
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.42
Margins
EBITDA margin
21%
Gross margin
100%
Net margin
13.6%
Operating margin
16.6%
Efficiency
Return on assets
0.6%
Return on equity
7.4%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
16.6%
Dividend
Dividend yield
2.69%
DPS
$0.56
Payout ratio
34.8%

OPOF stock price

How has the Old Point Financial stock price performed over time
Intraday
1.76%
1 week
0.78%
1 month
7.67%
1 year
17.07%
YTD
15.9%
QTD
7.56%

Financial performance

How have Old Point Financial's revenue and profit performed over time
Revenue
$59.5M
Gross profit
$59.5M
Operating income
$9.87M
Net income
$8.11M
Gross margin
100%
Net margin
13.6%
Old Point Financial's operating income has increased by 19% QoQ but it has decreased by 5% YoY
OPOF's operating margin is up by 17% since the previous quarter but it is down by 2.9% year-on-year
OPOF's net income is up by 14% from the previous quarter but it is down by 9% YoY
The net margin has grown by 12% from the previous quarter but it has contracted by 7% YoY

Growth

What is Old Point Financial's growth rate over time

Valuation

What is Old Point Financial stock price valuation
P/E
12.91
P/B
0.91
P/S
1.77
EV/EBIT
0.02
EV/EBITDA
0.02
EV/Sales
0
Old Point Financial's EPS has increased by 14% from the previous quarter but it has decreased by 10% YoY
The stock's price to earnings (P/E) is 8% less than its 5-year quarterly average of 14.1 but 8% more than its last 4 quarters average of 12.0
The company's equity rose by 16% YoY and by 5% QoQ
The P/B is 14% above the last 4 quarters average of 0.8 but 9% below the 5-year quarterly average of 1.0
OPOF's price to sales (P/S) is 18% higher than its last 4 quarters average of 1.5 but 12% lower than its 5-year quarterly average of 2.0
The revenue has declined by 2.3% year-on-year

Efficiency

How efficient is Old Point Financial business performance
The ROA has grown by 20% from the previous quarter
OPOF's return on invested capital is up by 17% since the previous quarter
Old Point Financial's ROS has increased by 17% from the previous quarter but it has decreased by 2.9% YoY
OPOF's return on equity is down by 16% year-on-year but it is up by 10% since the previous quarter

Dividends

What is OPOF's dividend history
DPS
$0.56
Dividend yield
2.69%
Payout ratio
34.8%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Old Point Financial financials performed over time
The company's total assets is 8% higher than its total liabilities
The company's total assets rose by 3.8% QoQ and by 2.1% YoY
OPOF's total liabilities is up by 3.7% since the previous quarter
The debt is 38% less than the equity
The debt to equity has declined by 39% year-on-year and by 3.1% since the previous quarter
The debt has contracted by 29% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.