Old Point Financial Corporation OPOF NASDAQ

Old Point Financial Corporation (OPOF) reported total assets of $1.45B and total liabilities of $1.34B for fiscal year 2024, resulting in total equity of $113.97M.

The company held $358.13M in cash and short-term investments. Total debt stood at $73.77M, with net debt of $-65.57M. The Debt-to-Equity (D/E) ratio was 0.65 (moderate).

Current ratio is 0.28, which may signal tight short-term liquidity. Interest coverage is 0.5x (weak).

Criteria supported by this page:

• HEALTH (17/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (35/100) — Total assets $1.45B and equity $113.97M support the company's competitive scale
• VALUE (75/100) — Debt-to-Equity 0.65 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 57/100 with 3/7 criteria passed.

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