Old Point Financial Corporation (OPOF)

Old Point Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	8.66	9.51	7.73	9.11	8.44	5.39
Depreciation & Amortization	2.29	2.53	2.58	2.42	2.44	2.53
Other Amortization	0.13	0.13	0.13	0.13	0.06	-
Gain (Loss) on Sale of Assets	-	-	-0.22	-1.69	-	-0.88
Gain (Loss) on Sale of Investments	0.51	0.52	0.84	3.06	0.99	0.36
Total Asset Writedown	0.43	0.13	0.07	-	-	-
Provision for Credit Losses	1.56	0.71	2.6	1.71	0.79	1
Change in Other Net Operating Assets	1.64	1.85	-2.2	3.35	10.9	-15.64
Other Operating Activities	-1.89	-1.2	-1.08	-0.94	-0.74	-1.65
Operating Cash Flow	13.74	14.64	11	17.57	23.18	-8.64
Operating Cash Flow Growth	28.76%	33.18%	-37.40%	-24.21%	-	-
Capital Expenditures	0.22	-1.41	-1.05	-1.35	-1.51	-0.92
Sale of Property, Plant and Equipment	-	-	0.86	1	0.03	2.2
Investment in Securities	-20.05	-15.87	23.66	-22.67	-51.93	-35.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	45.42	66.68	-55.11	-184	-7.65	-89.59
Other Investing Activities	-0.1	1.26	-0.68	-6.41	0.33	1.88
Investing Cash Flow	25.49	50.66	-32.32	-213.44	-60.73	-122.24
Long-Term Debt Issued	-	105.92	457.3	129.93	29.35	62.61
Total Debt Issued	61.63	105.92	457.3	129.93	29.35	62.61
Long-Term Debt Repaid	-	-133.79	-447.93	-72.48	-31.5	-76.4
Total Debt Repaid	-62.32	-133.79	-447.93	-72.48	-31.5	-76.4
Net Debt Issued (Repaid)	-0.69	-27.87	9.37	57.45	-2.16	-13.79
Issuance of Common Stock	0.12	0.12	0.13	0.13	0.1	-
Repurchase of Common Stock	-	-	-	-6.66	-0.15	-
Common Dividends Paid	-2.85	-2.84	-2.82	-2.64	-2.62	-2.51
Net Increase (Decrease) in Deposit Accounts	-27.87	24.52	74.38	-21.08	109.86	177.74
Financing Cash Flow	-31.3	-6.07	81.06	27.2	105.04	161.45
Net Cash Flow	7.93	59.24	59.74	-168.67	67.49	30.57
Free Cash Flow	13.95	13.23	9.94	16.21	21.66	-9.56
Free Cash Flow Growth	71.17%	33.09%	-38.66%	-25.16%	-	-
Free Cash Flow Margin	22.87%	21.72%	16.72%	28.83%	40.96%	-19.74%
Free Cash Flow Per Share	2.74	2.61	1.98	3.20	4.13	-1.83
Cash Interest Paid	23.25	23.95	17.16	3.33	3.15	5.53
Cash Income Tax Paid	1.81	1.05	2.1	-	-	-

Updated Jul 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q