Old Point Financial Corporation OPOF NASDAQ

Old Point Financial Corporation (OPOF) generated $1.66M in operating cash flow for quarter ending 2025-06-30. After capital expenditures of $157K, free cash flow was $1.51M.

Free cash flow margin was 7.2% of revenue. Cash conversion ratio was 1.34x, indicating earnings are backed by cash.

The company returned $714K in dividends to shareholders during the quarter.

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 1.34x confirms earnings are backed by real cash flow

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