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Old Point Financial Corp  (NASDAQ: OPOF)
Other Ticker:  
 
    Sector • Financial    Industry • Commercial Banks
   Industry • Commercial Banks
   Sector • Financial

Old Point Financial Corp

OPOF's Fundamental analysis



Old Point Financial's sales fell by -2.39 % in the second quarter of 2025 from the same quarter a year ago. Ranking at No. 1882

Commercial Banks industry recorded growth of revenues by 2.12 %

Old Point Financial's net profit decreased by -50.89 % in second quarter of 2025 year on year, to $1 millions.

• More on OPOF's Growth


Old Point Financial
current PE on trailing twelve month basis is above Commercial Banks industry average.

Old Point Financial PEG ratio is at 0.65 Company is currently trading with Price to Cash flow multiple of 27.08 in trailing twelve-month period.
Company
22.32
PE TTM   
Industry
17.74
PE TTM    
Company's Price to Sales ratio is at 3.46.
Commercial Banks industry's Price to Sales ratio is at 3.53.


• More on OPOF's Valuation
 
 Total Debt (Millions $) 26
 Dividend TTM ($) 0.7 $
 Dividend Yield TTM (%) 1.33 %
 Revenue/Employee (TTM) $ 211,949
 Net Income/Employee (TTM) $ 33,044
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 22.80

Old Point Financial
current PE on trailing twelve month basis is above Commercial Banks industry average.

Old Point Financial PEG ratio is at 0.65 Company is currently trading with Price to Cash flow multiple of 27.08 in trailing twelve-month period.
Company
22.32
PE TTM   
Industry
17.74
PE TTM    
Company's Price to Sales ratio is at 3.46.
Commercial Banks industry's Price to Sales ratio is at 3.53.

Old Point Financial Price to Book Ratio is at 1.82 lower than Industry Avg. of 448.71. and higher than S&P 500 Avg. of 0.02

• More on OPOF's Valuation

•  Market Capitalization (Millions $) 215
•  Shares Outstanding (Millions) 5
•  Employees 293
•  Revenues (TTM) (Millions $) 62
•  Net Income (TTM) (Millions $) 10
•  Cash Flow (TTM) (Millions $) 8
•  Capital Exp. (TTM) (Millions $) 0
•  Total Debt (Millions $) 26
•  Dividend TTM ($) 0.7 $
•  Dividend Yield TTM (%) 1.33 %
•  Revenue/Employee (TTM) $ 211,949
•  Net Income/Employee(TTM) $ 33,044
•  Receivable Turnover Ratio (TTM) -
•  Tangible Book Value (Per Share $) 22.80

•  Market Capitalization (Millions $) 215
•  Shares Outstanding (Millions) 5
•  Employees 293
•  Revenues (TTM) (Millions $) 62
•  Net Income (TTM) (Millions $) 10
•  Cash Flow (TTM) (Millions $) 8
•  Capital Exp. (TTM) (Millions $) 0


    OPOF's Profitability Comparisons
Old Point Financial faced margin deterioration, primarily through cost pressure. Operating Margin fell in second quarter of 2025 to 10.67 % from 17.78 % in I. Quarter.

Old Point Financial net profit margin of 8.3 % is currently ranking no. 81 in Commercial Banks industry, ranking no. 560 in Financial sector and number 1419 in S&P 500.


Profitability by Segment
Bank 11.96 %
Wealth 9.04 %
Parent 59.46 %
Total 8.3 %



  Ratio
•   Capital Ratio (MRQ) 1
•  Total Debt to Equity (MRQ) 0.22
•  Tangible Leverage Ratio (MRQ) 21.48
•  Asset Turnover Ratio (TTM) 0.05
•  Inventory Turnover Ratio (TTM) -



Old Point Financial faced margin deterioration, primarily through cost pressure. Operating Margin fell in second quarter of 2025 to 10.67 % from 17.78 % in I. Quarter.

Old Point Financial net profit margin of 8.3 % is currently ranking no. 81 in Commercial Banks industry, ranking no. 560 in Financial sector and number 1419 in S&P 500.

• More on OPOF's Key Ratios





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