NASDAQ: OPOFOld Point Financial Corp Stock
$38.94-0.33 (-0.84%)
Updated Apr 29, 2025
OPOF Price
$38.94
Fair Value Price
$117.19
Market Cap
$198.76M
52 Week Low
$13.49
52 Week High
$39.49
P/E
20.71x
P/B
1.74x
P/S
2.17x
PEG
6.34x
Dividend Yield
1.44%
Revenue
$60.91M
Earnings
$9.51M
Gross Margin
100%
Operating Margin
18.72%
Profit Margin
15.6%
Debt to Equity
11.73
Operating Cash Flow
$15M
Beta
0.11
Next Earnings
May 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A
OPOF Overview
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine OPOF's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
OPOF
Ranked#110 of 293
Ranked#110 of 293
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.98 | B | |
| $33.67 | B | |
| $14.07 | B |
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OPOF News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OPOF scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
OPOF ($38.94) is undervalued by 66.77% relative to our estimate of its Fair Value price of $117.19 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
OPOF ($38.94) is significantly undervalued by 66.77% relative to our estimate of its Fair Value price of $117.19 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
OPOF ($38.94) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more OPOF due diligence checks available for Premium users.
Valuation
OPOF fair value
Fair Value of OPOF stock based on Discounted Cash Flow (DCF)
Price
$38.94
Fair Value
$117.19
Undervalued by
66.77%
OPOF ($38.94) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
OPOF ($38.94) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
OPOF ($38.94) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
OPOF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
20.71x
Industry
13.46x
Market
29.19x
OPOF is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OPOF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
OPOF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.74x
Industry
1.13x
OPOF is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
OPOF price to earnings growth (PEG)
For valuing profitable companies with growth potential
OPOF is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
OPOF's financial health
Profit margin
Revenue
$15.4M
Net Income
$2.9M
Profit Margin
18.7%
OPOF's Earnings (EBIT) of $11.41M... subscribe to Premium to read more.
Interest Coverage Financials
OPOF's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.5B
Liabilities
$1.3B
Debt to equity
11.73
OPOF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
OPOF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$3.3M
Investing
-$13.8M
Financing
-$26.4M
OPOF's operating cash flow ($14.64M)... subscribe to Premium to read more.
Debt Coverage Financials
OPOF vs Bank Stocks
Old Point Financial Stock FAQ
Company
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