NASDAQ: OPOFOld Point Financial Corp Stock
$14.78+0.12 (+0.82%)
Updated Apr 19, 2024
OPOF Price
$14.78
Fair Value Price
$43.57
Market Cap
$74.50M
52 Week Low
$14.00
52 Week High
$23.70
P/E
9.6x
P/B
0.7x
P/S
1.52x
PEG
1.33x
Dividend Yield
3.79%
Revenue
$59.47M
Earnings
$7.73M
Gross Margin
100%
Operating Margin
15.24%
Profit Margin
13%
Debt to Equity
12.55
Operating Cash Flow
$11M
Beta
0.42
Next Earnings
Apr 25, 2024
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 Score
–
Industry Average (33)
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Due Diligence Checks
OPOF ($14.78) is undervalued by 66.08% relative to our estimate of its Fair Value price of $43.57 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
OPOF ($14.78) is significantly undervalued by 66.08% relative to our estimate of its Fair Value price of $43.57 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
OPOF ($14.78) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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OPOF News
Valuation
OPOF fair value
Fair Value of OPOF stock based on Discounted Cash Flow (DCF)
Price
$14.78
Fair Value
$43.57
Undervalued by
66.08%
OPOF ($14.78) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
OPOF ($14.78) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
OPOF ($14.78) 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
9.6x
Industry
-10.33x
Market
40.51x
OPOF is good 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
0.7x
Industry
0.97x
OPOF is good 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
$14.0M
Net Income
$1.5M
Profit Margin
10.6%
OPOF's Earnings (EBIT) of $9.06M... subscribe to Premium to read more.
Interest Coverage Financials
OPOF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.4B
Liabilities
$1.3B
Debt to equity
12.55
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
$3.0M
Investing
$4.9M
Financing
-$6.8M
OPOF's operating cash flow ($11.00M)... subscribe to Premium to read more.
Debt Coverage Financials
OPOF vs Bank Stocks
Old Point Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.