Old Point Financial Corporation OPOF NASDAQ

Old Point Financial Corporation (OPOF) generated $14.64M in operating cash flow for fiscal year 2024. After capital expenditures of $1.41M, free cash flow was $13.23M.

Free cash flow margin was 15.4% of revenue. Cash conversion ratio was 1.54x, indicating earnings are backed by cash.

The company returned $2.84M in dividends to shareholders during the period.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (35/100, Fail) — limited free cash flow weakens the competitive position
• INCOME (55/100) — Cash conversion ratio was 1.54x confirms earnings are backed by real cash flow

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