OPOF Old Point Financial Corp.
Price (delayed)
$39.02
Market cap
$199.17M
P/E Ratio
20.76
Dividend/share
$0.56
EPS
$1.88
Enterprise value
$132.89M
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
OPOF's net income is up by 23% YoY and by 17% from the previous quarter
Old Point Financial's EPS has increased by 22% YoY and by 17% from the previous quarter
The debt has contracted by 27% YoY but it has grown by 3.1% from the previous quarter
The stock's price to earnings (P/E) is 65% more than its last 4 quarters average of 12.6 and 48% more than its 5-year quarterly average of 14.0
Key stats
What are the main financial stats of OPOF
Market
Valuations
Earnings
Shares outstanding
5.1M
Market cap
$199.17M
Enterprise value
$132.89M
Price to earnings (P/E)
20.76
Price to book (P/B)
1.74
Price to sales (P/S)
3.24
EV/EBIT
11.65
EV/EBITDA
9.53
EV/Sales
2.18
Revenue
$60.91M
Gross profit
$60.91M
Operating income
$11.41M
Net income
$9.51M
EBIT
$11.41M
EBITDA
$13.94M
Free cash flow
$13.23M
Per share
Balance sheet
Liquidity
EPS
$1.88
EPS diluted
$1.88
Free cash flow per share
$2.61
Book value per share
$22.45
Revenue per share
$12.03
TBVPS
$286.05
Total assets
$1.45B
Total liabilities
$1.34B
Debt
$73.77M
Equity
$113.97M
Working capital
N/A
Debt to equity
0.65
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.75
Margins
Efficiency
Dividend
EBITDA margin
22.9%
Gross margin
100%
Net margin
15.6%
Operating margin
18.7%
Return on assets
0.7%
Return on equity
8.5%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
18.7%
Dividend yield
1.44%
DPS
$0.56
Payout ratio
29.8%
OPOF stock price
How has the Old Point Financial stock price performed over time
Intraday
-0.71%
1 week
2.74%
1 month
30.41%
1 year
172.49%
YTD
49.73%
QTD
30.33%
Financial performance
How have Old Point Financial's revenue and profit performed over time
Revenue
$60.91M
Gross profit
$60.91M
Operating income
$11.41M
Net income
$9.51M
Gross margin
100%
Net margin
15.6%
Old Point Financial's operating income has increased by 26% YoY and by 16% QoQ
OPOF's net income is up by 23% YoY and by 17% from the previous quarter
OPOF's operating margin is up by 23% year-on-year and by 13% since the previous quarter
The net margin has grown by 20% YoY and by 15% from 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
20.76
P/B
1.74
P/S
3.24
EV/EBIT
11.65
EV/EBITDA
9.53
EV/Sales
2.18
The stock's price to earnings (P/E) is 65% more than its last 4 quarters average of 12.6 and 48% more than its 5-year quarterly average of 14.0
Old Point Financial's EPS has increased by 22% YoY and by 17% from the previous quarter
The P/B is 93% above the last 4 quarters average of 0.9 and 74% above the 5-year quarterly average of 1.0
The company's equity rose by 7% YoY
OPOF's price to sales (P/S) is 91% higher than its last 4 quarters average of 1.7 and 62% higher than its 5-year quarterly average of 2.0
The revenue is up by 2.4% year-on-year and by 2.4% since the previous quarter
Efficiency
How efficient is Old Point Financial business performance
The ROA has grown by 40% YoY and by 17% from the previous quarter
OPOF's return on invested capital is up by 33% year-on-year and by 14% since the previous quarter
Old Point Financial's ROS has increased by 23% YoY and by 13% from the previous quarter
OPOF's return on equity is up by 15% since the previous quarter and by 13% year-on-year
Dividends
What is OPOF's dividend history
DPS
$0.56
Dividend yield
1.44%
Payout ratio
29.8%
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 9% higher than its total liabilities
The debt is 35% less than the equity
The debt to equity has declined by 32% year-on-year but it is up by 4.8% since the previous quarter
The debt has contracted by 27% YoY but it has grown by 3.1% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.