Current Liabilities decreased faster than Old Point Financial's Cash & cash equivalent, this led to improvement in Old Point Financial's Quick Ratio to 34.55, above Old Point Financial Corp average Quick Ratio.

Within Commercial Banks industry 19 other companies have achieved higher Quick Ratio than Old Point Financial in second quarter 2025. While Quick Ratio total ranking in the second quarter 2025 has deteriorated compared to the prior quarter from 2373 to 3965.

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OPOF Quick Ratio	(Jun 30 2025) Q2	(Mar 31 2025) Q1	(Dec 31 2024) Q4	(Sep 30 2024) Q3	(Jun 30 2024) Q2
Y / Y Current Liabilities Change	-16.87 %	-34.05 %	-21.5 %	-7.77 %	-41.45 %
Y / Y Cash & cash equivalent Change	11.58 %	10.57 %	-57.02 %	-3.38 %	-8.75 %
Quick Ratio MRQ	34.55	32.09	27.54	19.38	25.74
OPOF's Total Ranking	# 3965	# 2373	# 2991	# 3192	# 3235
Seq. Current Liabilities Change	-9.86 %	-13.08 %	-20.8 %	33.98 %	-28.5 %
Seq. Cash & cash equivalent Change	-2.96 %	1.3 %	12.51 %	0.89 %	-3.84 %

Quick Ratio second quarter 2025 Company Ranking
Within:	No.
Commercial Banks Industry	# 20
Financial Sector	# 673
Overall Market	# 3965

Quick Ratio Statistics
High	Average	Low
236.5	4.54	0.15
(Dec 31 2012)

Financial Statements
Old Point Financial's Current Liabilities	$ 6 Millions	Visit OPOF's Balance sheet
Old Point Financial's Cash & cash equivalent	$ 214 Millions	Visit OPOF's Balance sheet
Source of OPOF's Sales		Visit OPOF's Sales by Geography

Cumulative Old Point Financial's Quick Ratio

OPOF's Quick Ratio for the trailling 12 Months

OPOF Quick Ratio	(Jun 30 2025) 12 Months	(Mar 31 2025) 12 Months	(Dec 31 2024) 12 Months	(Sep 30 2024) 12 Months	(Jun 30 2024) 12 Months
Y / Y Current Liabilities TTM Growth	-20.15 %	-26.86 %	-21.35 %	-37.1 %	-36.59 %
Y / Y Cash & cash equivalent TTM Growth	-22.98 %	-26.24 %	-29.64 %	27.03 %	23.94 %
Quick Ratio TTM	27.32	25.57	22.44	28.78	28.32
Total Ranking TTM	#	#	#	#	#
Seq. Current Liabilities TTM Growth	-3.9 %	-9.92 %	-5.71 %	-2.17 %	-11.98 %
Seq. Cash & cash equivalent TTM Growth	2.7 %	2.63 %	-26.47 %	-0.62 %	-1.65 %

Quick ratio ranking by company, industry and sector >> Back to OPOF Financial Strength Comparisons >> Go to Compare OPOF Quick Ratio to its Competitors

On the trailing twelve months basis OPOF Cash & cash equivalent increased by 11.58 % in Q2 2025 year on year, while Current Liabilities decreased to $6 millions, this led to increase in in Old Point Financial's Quick Ratio to 27.32, above OPOF average Quick Ratio.
Quick Ratio is the average cumulative value over the last four quarters.

Among companies operating within Commercial Banks industry 19 other companies have achieved higher Quick Ratio than Old Point Financial. While overall ranking is unchanged compared to the previous 12 months at no. 0.

Explain Quick Ratio?
How much Cash & cash equivalents OPOF�s has?
What are OPOF�s Current Liabilities?

TTM Quick Ratio Company Ranking
Within:	No.
Within the Commercial Banks Industry	# 20
Financial Sector	# 673
Within the Market	# 3965

trailing twelve months Quick Ratio Statistics
High	Average	Low
236.5	4.54	0.15
(Dec 31 2012)

Companies with similar Quick Ratio in the quarter ending Jun 30 2025, within Commercial Banks Industry	Quick Ratio	Jun 30 2025 MRQ Cash & cash equivalent	Jun 30 2025 MRQ Current Liabilities
Wesbanco Inc	42.79	$ 5,546.991 Millions	$ 129.633 Millions
Old Point Financial Corp	34.55	$ 214.377 Millions	$ 6.205 Millions
Banco Bilbao Vizcaya Argentaria S a	33.18	$ 47,100.009 Millions	$ 1,419.462 Millions
Wsfs Financial Corporation	30.88	$ 899.713 Millions	$ 29.134 Millions
United Security Bancshares	21.28	$ 203.789 Millions	$ 9.576 Millions
Landmark Bancorp Inc	18.87	$ 377.480 Millions	$ 20.002 Millions
Wilson Bank Holding Co	18.64	$ 1,139.006 Millions	$ 61.091 Millions
Nbt Bancorp Inc	17.65	$ 1,994.205 Millions	$ 112.970 Millions
National Bank Holdings Corp	16.01	$ 296.483 Millions	$ 18.513 Millions
Hanmi Financial Corporation	15.95	$ 1,298.144 Millions	$ 81.380 Millions
Park National Corporation	12.56	$ 1,300.847 Millions	$ 103.555 Millions
Patriot National Bancorp Inc	10.91	$ 83.259 Millions	$ 7.633 Millions
ENB Financial Corp	10.69	$ 657.362 Millions	$ 61.507 Millions
Banc Of California Inc	10.21	$ 4,377.516 Millions	$ 428.784 Millions
Peoples Financial Services Corp	9.25	$ 748.905 Millions	$ 80.980 Millions
Ameriserv Financial Inc	9.09	$ 24.433 Millions	$ 2.688 Millions
Financial Institutions Inc	8.51	$ 916.149 Millions	$ 107.601 Millions
Hope Bancorp Inc	6.95	$ 500.372 Millions	$ 72.004 Millions

Date modified: 2026-09-08T15:11:33+00:00

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