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Old Point Financial Corporation OPOF NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Old Point Financial Corporation (OPOF) is a Banks - Regional company in the Financial Services sector, currently trading at $42.10. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $86M, +15.3%/yr average growth. Net income is $10M, growing at +5.3%/yr. Net profit margin is 11.1% (healthy). Gross margin is 71% (-21.6 pp trend).

Balance sheet: total debt is $74M against $114M equity (Debt-to-Equity (D/E) ratio 0.65, moderate). Current ratio is 0.28 (tight liquidity). Debt-to-assets is 5.1%. Total assets: $1.5B.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

OPOF SharesGrow Score Overview

59/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — OPOF

OPOF trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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OPOF: +15.3%/yr revenue is, +5.3%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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OPOF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet OPOF: Debt-to-Equity (D/E) ratio 0.65 (moderate), Current ratio is 0.28 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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OPOF: Gross margin is 71% (-21.6 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

OPOF: Net profit margin is 11.1%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17.02-42.68

Volume205.96K

Avg Volume (30D)39.17K

Market Cap$214.8M

Beta (1Y)-0.30

Dividend Yield$0.4200

Share Statistics

EPS (TTM)1.88

Shares Outstanding$5.06M

IPO Date1999-01-11

Employees260

CEORobert F. Shuford Jr.

Financial Highlights & Ratios

Revenue (TTM)$85.82M

Gross Profit$60.91M

EBITDA$13.94M

Net Income$9.51M

Operating Income$11.41M

Total Cash$358.13M

Total Debt$73.77M

Net Debt$-65.57M

Total Assets$1.45B

Price / Earnings (P/E)22.4

Price / Sales (P/S)2.5

Analyst Forecast

Company Info

CountryUS

ExchangeNASDAQ Capital Marke

CurrencyUSD

ISINUS6801941070

Price Chart

OPOF

Old Point Financial Corporation ↗ · NASDAQ Capital Marke

Financial Services • Banks - Regional

17.02 52WK RANGE 42.68

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