OPOF Old Point Financial Corp.
Price (delayed)
$29.8
Market cap
$151.32M
P/E Ratio
18.51
Dividend/share
$0.56
EPS
$1.61
Enterprise value
$46M
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
OPOF's net income is up by 14% from the previous quarter but it is down by 9% YoY
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 54% more than its last 4 quarters average of 12.0 and 33% more than its 5-year quarterly average of 13.9
The gross profit has contracted by 2.3% YoY
Key stats
What are the main financial stats of OPOF
Market
Valuations
Earnings
Shares outstanding
5.08M
Market cap
$151.32M
Enterprise value
$46M
Price to earnings (P/E)
18.51
Price to book (P/B)
1.31
Price to sales (P/S)
2.54
EV/EBIT
4.66
EV/EBITDA
3.68
EV/Sales
0.77
Revenue
$59.5M
Gross profit
$59.5M
Operating income
$9.87M
Net income
$8.11M
EBIT
$9.87M
EBITDA
$12.51M
Free cash flow
$12.05M
Per share
Balance sheet
Liquidity
EPS
$1.61
EPS diluted
$1.61
Free cash flow per share
$2.37
Book value per share
$22.75
Revenue per share
$11.72
TBVPS
$290.77
Total assets
$1.48B
Total liabilities
$1.36B
Debt
$71.54M
Equity
$115.46M
Working capital
N/A
Debt to equity
0.62
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.42
Margins
Efficiency
Dividend
EBITDA margin
21%
Gross margin
100%
Net margin
13.6%
Operating margin
16.6%
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 yield
1.88%
DPS
$0.56
Payout ratio
34.8%
OPOF stock price
How has the Old Point Financial stock price performed over time
Intraday
-0.33%
1 week
1.02%
1 month
18.58%
1 year
76.54%
YTD
14.35%
QTD
14.35%
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
18.51
P/B
1.31
P/S
2.54
EV/EBIT
4.66
EV/EBITDA
3.68
EV/Sales
0.77
The stock's price to earnings (P/E) is 54% more than its last 4 quarters average of 12.0 and 33% more than its 5-year quarterly average of 13.9
Old Point Financial's EPS has increased by 14% from the previous quarter but it has decreased by 10% YoY
The P/B is 64% above the last 4 quarters average of 0.8 and 31% above the 5-year quarterly average of 1.0
The company's equity rose by 16% YoY and by 5% QoQ
OPOF's price to sales (P/S) is 69% higher than its last 4 quarters average of 1.5 and 27% higher 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
1.88%
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
OPOF's total liabilities is up by 3.7% since the previous quarter
The company's total assets rose by 3.8% QoQ and by 2.1% YoY
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.