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Old Point Financial Corporation (OPOF)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 48 | 48 | 54 | 56 | 62 | 62 | 63 |
| Operating profit | $m | 11 | 9 | |||||
| Net profit | $m | 8 | 5 | 8 | 9 | 8 | 10 | 9 |
| EPS reported | $ | 1.88 | 1.70 | |||||
| Operating cashflow per share | $ | 2.89 | 0.75 | |||||
| Capex per share | $ | 0.28 | 0.06 | |||||
| FCF per share | $ | 2.61 | 0.69 | |||||
| Free cash flow | $m | 13 | 14 | |||||
| Net debt | $m | -284 | -163 | |||||
| Book value equity | $m | 114 | 118 | |||||
| Book value per share | $ | 22.50 | 23.15 | |||||
| Number of shares | m | 5.06 | 5.1 | |||||
| DPS (TTM paid) | $ | 0.56 | 0.00 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 13.86 | - | |||||
| P/B LTM | x | 1.16 | 1.82 | |||||
| P/S LTM | x | 2.14 | 3.43 | |||||
| P/FCF LTM | x | 9.97 | 15.39 | |||||
| EV/EBITDA LTM | x | 4.77 | 3.74 | |||||
| EV/Sales LTM | x | 0.77 | 0.84 | |||||
| Earnings Yield LTM | % | 7.22% | 1.58% | |||||
| FCF Yield | % | 10.03% | 6.50% | |||||
| Quality | ||||||||
| ROE | % | 8.34% | 2.89% | |||||
| ROIC | % | 4.86% | 0.86% | |||||
| Operating margin | % | 13.29% | 6.78% | |||||
| Gross margin | % | 70.98% | 71.71% | |||||
| FCF/Sales | % | 15.42% | 8.35% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +22.08% | +21.43% | |||||
| Sales Growth YoY | % | -0.36% | +3.25% | |||||
| Net Income Growth YoY | % | +23.00% | +22.15% | |||||
| FCF Growth | % | +33.09% | +71.53% | |||||
| Operating Profit Growth | % | +25.83% | +11.84% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.15% | 0.00% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 29.85% | 32.97% | |||||
| FCF/Debt | x | 0.18 | 0.20 | |||||
| Net Debt/EBITDA | x | -4.70 | 8.09 | |||||
| EBIT/Net interest | x | 0.47 | 0.27 | |||||
| Net debt/market cap | % | -215.44% | -75.65% | |||||
| Net debt/Equity | x | -2.50 | -1.38 | |||||
| Gross debt/equity | x | 0.65 | 0.59 | |||||
Company overview
Old Point Financial Corporation (OPOF) functions as the holding company for The Old Point National Bank of Phoebus, delivering a comprehensive array of banking services to both individual and business clients across Virginia. Its product offerings encompass a variety of deposit accounts, including interest-bearing checking, money market accounts, savings accounts, certificates of deposit (time deposits), and standard demand deposits. The institution also provides diverse lending solutions, such as financing for real estate construction, commercial ventures, and various mortgage products. These mortgages range from residential 1-4 family properties and multi-family dwellings to second mortgages and home equity lines of credit. Additionally, other types of loans and cash management services are available. Beyond core banking, Old Point Financial offers extensive financial and wealth management expertise. This includes retirement and estate planning, general financial planning, administration of estates and trusts, retirement plan oversight, tax services, and investment management. Clients can also access insurance products through the company. The corporation maintains a physical presence through 14 branches situated in Virginia's Hampton Roads localities, specifically Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. Further expanding its reach, it operates a loan production office in Richmond, Virginia, and a mortgage origination office in Charlotte, North Carolina. Established in 1922, Old Point Financial Corporation has its headquarters in Hampton, Virginia.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Old Point Financial Corporation (OPOF)
Old Point Financial Corporation (OPOF) functions as the holding company for The Old Point National Bank of Phoebus, delivering a comprehensive array of banking services to both individual and business clients across Virginia. Its product offerings encompass a variety of deposit accounts, including interest-bearing checking, money market accounts, savings accounts, certificates of deposit (time deposits), and standard demand deposits. The institution also provides diverse lending solutions, such as financing for real estate construction, commercial ventures, and various mortgage products. These mortgages range from residential 1-4 family properties and multi-family dwellings to second mortgages and home equity lines of credit. Additionally, other types of loans and cash management services are available. Beyond core banking, Old Point Financial offers extensive financial and wealth management expertise. This includes retirement and estate planning, general financial planning, administration of estates and trusts, retirement plan oversight, tax services, and investment management. Clients can also access insurance products through the company. The corporation maintains a physical presence through 14 branches situated in Virginia's Hampton Roads localities, specifically Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. Further expanding its reach, it operates a loan production office in Richmond, Virginia, and a mortgage origination office in Charlotte, North Carolina. Established in 1922, Old Point Financial Corporation has its headquarters in Hampton, Virginia.
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