Old Point Financial Corporation (OPOF)

Old Point Financial Statistics

Total Valuation

OPOF has a market cap or net worth of $203.54 million. The enterprise value is $172.34 million.

Market Cap	203.54M
Enterprise Value	172.34M

Important Dates

The last earnings date was Wednesday, July 30, 2025, after market close.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	Jun 9, 2025

Share Statistics

OPOF has 5.11 million shares outstanding. The number of shares has increased by 0.81% in one year.

Current Share Class	5.11M
Shares Outstanding	5.11M
Shares Change (YoY)	+0.81%
Shares Change (QoQ)	+0.33%
Owned by Insiders (%)	13.06%
Owned by Institutions (%)	22.84%
Float	3.16M

Valuation Ratios

The trailing PE ratio is 23.41.

PE Ratio	23.41
Forward PE	n/a
PS Ratio	3.36
Forward PS	n/a
PB Ratio	1.70
P/TBV Ratio	1.75
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	19.90
EV / Sales	2.83
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.59%.

Return on Equity (ROE)	7.59%
Return on Assets (ROA)	0.61%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$234,631
Profits Per Employee	$33,315
Employee Count	260
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OPOF has paid $2.05 million in taxes.

Income Tax	2.05M
Effective Tax Rate	19.13%

Stock Price Statistics

The stock price has increased by +106.26% in the last 52 weeks. The beta is -0.30, so OPOF's price volatility has been lower than the market average.

Beta (5Y)	-0.30
52-Week Price Change	+106.26%
50-Day Moving Average	40.07
200-Day Moving Average	30.97
Relative Strength Index (RSI)	43.08
Average Volume (20 Days)	13,783

Short Selling Information

The latest short interest is 146,770, so 2.88% of the outstanding shares have been sold short.

Short Interest	146,770
Short Previous Month	173,393
Short % of Shares Out	2.88%
Short % of Float	4.64%
Short Ratio (days to cover)	2.54

Income Statement

In the last 12 months, OPOF had revenue of $61.00 million and earned $8.66 million in profits. Earnings per share was $1.70.

Revenue	61.00M
Gross Profit	61.00M
Operating Income	12.83M
Pretax Income	7.35M
Net Income	8.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.70

Balance Sheet

The company has $100.68 million in cash and $69.49 million in debt, giving a net cash position of $31.19 million or $6.11 per share.

Cash & Cash Equivalents	100.68M
Total Debt	69.49M
Net Cash	31.19M
Net Cash Per Share	$6.11
Equity (Book Value)	118.14M
Book Value Per Share	23.15
Working Capital	-120.52M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	21.03%
Pretax Margin	17.56%
Profit Margin	14.20%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.39%.

Dividend Per Share	$0.56
Dividend Yield	1.39%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	32.88%
Buyback Yield	-0.81%
Shareholder Yield	0.58%
Earnings Yield	4.26%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 2, 2007. It was a forward split with a ratio of 1.25:1.

Last Split Date	Oct 2, 2007
Split Type	Forward
Split Ratio	1.25:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2