Old Point Financial Corporation (OPOF)

Old Point Financial Statistics

Total Valuation

OPOF has a market cap or net worth of $212.86 million. The enterprise value is $182.33 million.

Market Cap	212.86M
Enterprise Value	182.33M

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

Current Share Class	5.10M
Shares Outstanding	5.10M
Shares Change (YoY)	+0.81%
Shares Change (QoQ)	+0.33%
Owned by Insiders (%)	13.07%
Owned by Institutions (%)	37.56%
Float	3.48M

Valuation Ratios

The trailing PE ratio is 24.50.

PE Ratio	24.50
Forward PE	n/a
PS Ratio	3.48
Forward PS	n/a
PB Ratio	1.78
P/TBV Ratio	1.83
P/FCF Ratio	15.25
P/OCF Ratio	15.50
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	21.05
EV / Sales	2.99
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.07

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.10
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 +124.91% in the last 52 weeks. The beta is -0.32, so OPOF's price volatility has been lower than the market average.

Beta (5Y)	-0.32
52-Week Price Change	+124.91%
50-Day Moving Average	40.51
200-Day Moving Average	32.57
Relative Strength Index (RSI)	59.35
Average Volume (20 Days)	19,770

Short Selling Information

The latest short interest is 149,267, so 2.93% of the outstanding shares have been sold short.

Short Interest	149,267
Short Previous Month	146,770
Short % of Shares Out	2.93%
Short % of Float	4.29%
Short Ratio (days to cover)	7.65

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 $101.68 million in cash and $71.15 million in debt, giving a net cash position of $30.53 million or $5.98 per share.

Cash & Cash Equivalents	101.68M
Total Debt	71.15M
Net Cash	30.53M
Net Cash Per Share	$5.98
Equity (Book Value)	118.14M
Book Value Per Share	23.48
Working Capital	-1.11B

Cash Flow

In the last 12 months, operating cash flow was $13.74 million and capital expenditures $217,000, giving a free cash flow of $13.95 million.

Operating Cash Flow	13.74M
Capital Expenditures	217,000
Free Cash Flow	13.95M
FCF Per Share	$2.73

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	22.87%

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.38%.

Dividend Per Share	$0.56
Dividend Yield	1.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	32.88%
Buyback Yield	-0.81%
Shareholder Yield	0.56%
Earnings Yield	4.07%
FCF Yield	6.56%

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	4