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Price (delayed)
$20.95
Market cap
$106.34M
P/E Ratio
14.86
Dividend/share
$0.56
EPS
$1.41
Enterprise value
$84.29M
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 32% YoY and by 30% from the previous quarter
The company's equity rose by 7% YoY and by 2.2% QoQ
Old Point Financial's EPS has decreased by 30% YoY but it has increased by 11% from the previous quarter
OPOF's net income is down by 30% YoY but it is up by 11% from the previous quarter
The stock's price to earnings (P/E) is 27% more than its last 4 quarters average of 11.6 and 3.9% more than its 5-year quarterly average of 14.2
The revenue has declined by 4.3% year-on-year
Key stats
What are the main financial stats of OPOF
Market
Valuations
Earnings
Shares outstanding
5.08M
Market cap
$106.34M
Enterprise value
$84.29M
Price to earnings (P/E)
14.86
Price to book (P/B)
0.97
Price to sales (P/S)
1.82
EV/EBIT
10.17
EV/EBITDA
7.69
EV/Sales
1.44
Revenue
$58.41M
EBIT
$8.29M
EBITDA
$10.96M
Free cash flow
$8.16M
Per share
Balance sheet
Liquidity
EPS
$1.41
Free cash flow per share
$1.61
Book value per share
$21.67
Revenue per share
$11.53
TBVPS
$280.69
Total assets
$1.42B
Total liabilities
$1.31B
Debt
$70.7M
Equity
$110M
Working capital
N/A
Debt to equity
0.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.01
Margins
Efficiency
Dividend
EBITDA margin
18.8%
Gross margin
100%
Net margin
12.1%
Operating margin
14.2%
Return on assets
0.5%
Return on equity
6.7%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
14.2%
Dividend yield
2.67%
DPS
$0.56
Payout ratio
39.7%
OPOF stock price
How has the Old Point Financial stock price performed over time
Intraday
0.72%
1 week
3.82%
1 month
10.09%
1 year
35.51%
YTD
16.84%
QTD
8.44%
Financial performance
How have Old Point Financial's revenue and profit performed over time
Revenue
$58.41M
Gross profit
$58.41M
Operating income
$8.29M
Net income
$7.09M
Gross margin
100%
Net margin
12.1%
OPOF's net income is down by 30% YoY but it is up by 11% from the previous quarter
Old Point Financial's operating income has decreased by 30% YoY but it has increased by 13% QoQ
The net margin has contracted by 27% YoY but it has grown by 11% from the previous quarter
OPOF's operating margin is down by 27% year-on-year but it is up by 13% since the previous quarter
Growth
What is Old Point Financial's growth rate over time
Valuation
What is Old Point Financial stock price valuation
P/E
14.86
P/B
0.97
P/S
1.82
EV/EBIT
10.17
EV/EBITDA
7.69
EV/Sales
1.44
Old Point Financial's EPS has decreased by 30% YoY but it has increased by 11% from the previous quarter
The stock's price to earnings (P/E) is 27% more than its last 4 quarters average of 11.6 and 3.9% more than its 5-year quarterly average of 14.2
The P/B is 20% above the last 4 quarters average of 0.8 but 4% below the 5-year quarterly average of 1.0
The company's equity rose by 7% YoY and by 2.2% QoQ
OPOF's price to sales (P/S) is 20% higher than its last 4 quarters average of 1.5 but 10% lower than its 5-year quarterly average of 2.0
The revenue has declined by 4.3% year-on-year
Efficiency
How efficient is Old Point Financial business performance
OPOF's return on equity is down by 34% year-on-year but it is up by 10% since the previous quarter
The ROA has contracted by 29% YoY but it has grown by 25% from the previous quarter
Old Point Financial's ROS has decreased by 27% YoY but it has increased by 13% from the previous quarter
OPOF's return on invested capital is down by 25% year-on-year but it is up by 20% since the previous quarter
Dividends
What is OPOF's dividend history
DPS
$0.56
Dividend yield
2.67%
Payout ratio
39.7%
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 down by 2% year-on-year
The debt is 36% less than the equity
The debt to equity has declined by 37% year-on-year and by 32% since the previous quarter
The debt has contracted by 32% YoY and by 30% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.