Old Point Financial Corporation OPOF NASDAQ

Old Point Financial Corporation (OPOF) reported total assets of $1.4B and total liabilities of $1.28B for quarter ending 2025-06-30, resulting in total equity of $118.14M.

The company held $231.99M in cash and short-term investments. Total debt stood at $69.49M, with net debt of $-29.97M. The Debt-to-Equity (D/E) ratio was 0.59 (moderate).

Current ratio is 69.85, indicating strong short-term liquidity. Interest coverage is 0x (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 $1.4B and equity $118.14M support the company's competitive scale
• VALUE (75/100) — Debt-to-Equity 0.59 contributes to the overall valuation risk assessment

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