Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.93
OPOF's Cash to Debt is ranked higher than
68% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. OPOF: 0.93 )
OPOF' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.93

Equity to Asset 0.10
OPOF's Equity to Asset is ranked higher than
72% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OPOF: 0.10 )
OPOF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.1
Current: 0.1

0.09
0.1
Interest Coverage 1.12
OPOF's Interest Coverage is ranked higher than
67% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OPOF: 1.12 )
OPOF' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.27
Current: 1.12

0.13
1.27
F-Score: 6
Z-Score: 0.22
WACC vs ROIC
4.36%
4.89%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 11.57
OPOF's Operating margin (%) is ranked higher than
54% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. OPOF: 11.57 )
OPOF' s 10-Year Operating margin (%) Range
Min: -172.96   Max: 34.87
Current: 11.57

-172.96
34.87
Net-margin (%) 11.03
OPOF's Net-margin (%) is ranked higher than
56% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. OPOF: 11.03 )
OPOF' s 10-Year Net-margin (%) Range
Min: 3.55   Max: 83.91
Current: 11.03

3.55
83.91
ROE (%) 5.00
OPOF's ROE (%) is ranked higher than
60% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. OPOF: 5.00 )
OPOF' s 10-Year ROE (%) Range
Min: 1.9   Max: 12.96
Current: 5

1.9
12.96
ROA (%) 0.50
OPOF's ROA (%) is ranked higher than
61% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OPOF: 0.50 )
OPOF' s 10-Year ROA (%) Range
Min: 0.17   Max: 1.29
Current: 0.5

0.17
1.29
ROC (Joel Greenblatt) (%) 10.75
OPOF's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. OPOF: 10.75 )
OPOF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -146.66   Max: 72.09
Current: 10.75

-146.66
72.09
Revenue Growth (3Y)(%) -2.20
OPOF's Revenue Growth (3Y)(%) is ranked higher than
63% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OPOF: -2.20 )
OPOF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.7   Max: 66.4
Current: -2.2

-4.7
66.4
EBITDA Growth (3Y)(%) 2.10
OPOF's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OPOF: 2.10 )
OPOF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -34   Max: 23.2
Current: 2.1

-34
23.2
EPS Growth (3Y)(%) 7.90
OPOF's EPS Growth (3Y)(%) is ranked higher than
72% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. OPOF: 7.90 )
OPOF' s 10-Year EPS Growth (3Y)(%) Range
Min: -42   Max: 35.2
Current: 7.9

-42
35.2
» OPOF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with OPOF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.50
OPOF's P/E(ttm) is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OPOF: 17.50 )
OPOF' s 10-Year P/E(ttm) Range
Min: 10.21   Max: 47.11
Current: 17.5

10.21
47.11
Forward P/E 17.27
OPOF's Forward P/E is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 17.27 )
N/A
PE(NRI) 17.50
OPOF's PE(NRI) is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. OPOF: 17.50 )
OPOF' s 10-Year PE(NRI) Range
Min: 10.23   Max: 47.94
Current: 17.5

10.23
47.94
P/B 0.80
OPOF's P/B is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. OPOF: 0.80 )
OPOF' s 10-Year P/B Range
Min: 0.53   Max: 2.01
Current: 0.8

0.53
2.01
P/S 1.90
OPOF's P/S is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. OPOF: 1.90 )
OPOF' s 10-Year P/S Range
Min: 1.09   Max: 6.54
Current: 1.9

1.09
6.54
PFCF 10.20
OPOF's PFCF is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 10.20 )
OPOF' s 10-Year PFCF Range
Min: 6.56   Max: 93.93
Current: 10.2

6.56
93.93
POCF 7.60
OPOF's POCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. OPOF: 7.60 )
OPOF' s 10-Year POCF Range
Min: 4.83   Max: 160.38
Current: 7.6

4.83
160.38
EV-to-EBIT 17.05
OPOF's EV-to-EBIT is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. OPOF: 17.05 )
OPOF' s 10-Year EV-to-EBIT Range
Min: -153.2   Max: 57.1
Current: 17.05

-153.2
57.1
PEG 1.40
OPOF's PEG is ranked higher than
91% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 1.40 )
OPOF' s 10-Year PEG Range
Min: 0.51   Max: 15.98
Current: 1.4

0.51
15.98
Shiller P/E 23.70
OPOF's Shiller P/E is ranked higher than
80% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 23.70 )
OPOF' s 10-Year Shiller P/E Range
Min: 8.83   Max: 25.07
Current: 23.7

8.83
25.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
OPOF's Dividend Yield is ranked lower than
63% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. OPOF: 1.80 )
OPOF' s 10-Year Dividend Yield Range
Min: 1.31   Max: 4.47
Current: 1.8

1.31
4.47
Dividend Payout 0.32
OPOF's Dividend Payout is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. OPOF: 0.32 )
OPOF' s 10-Year Dividend Payout Range
Min: 0.18   Max: 1.43
Current: 0.32

0.18
1.43
Dividend growth (3y) 9.10
OPOF's Dividend growth (3y) is ranked higher than
80% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OPOF: 9.10 )
OPOF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 22.5
Current: 9.1

0
22.5
Yield on cost (5-Year) 1.12
OPOF's Yield on cost (5-Year) is ranked lower than
79% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. OPOF: 1.12 )
OPOF' s 10-Year Yield on cost (5-Year) Range
Min: 0.81   Max: 2.77
Current: 1.12

0.81
2.77

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
OPOF's Price/Tangible Book is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. OPOF: 0.80 )
OPOF' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 2.44
Current: 0.8

0.58
2.44
Price/DCF (Projected) 0.80
OPOF's Price/DCF (Projected) is ranked higher than
84% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 0.80 )
OPOF' s 10-Year Price/DCF (Projected) Range
Min: 0.51   Max: 1.23
Current: 0.8

0.51
1.23
Price/Median PS Value 1.00
OPOF's Price/Median PS Value is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OPOF: 1.00 )
OPOF' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 4.82
Current: 1

0.6
4.82
Price/Peter Lynch Fair Value 1.90
OPOF's Price/Peter Lynch Fair Value is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 1.90 )
OPOF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.66   Max: 7.66
Current: 1.9

0.66
7.66
Price/Graham Number 0.80
OPOF's Price/Graham Number is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPOF: 0.80 )
OPOF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.47
Current: 0.8

0.6
1.47
Earnings Yield (Greenblatt) 5.90
OPOF's Earnings Yield (Greenblatt) is ranked higher than
68% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OPOF: 5.90 )
OPOF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 23.2
Current: 5.9

1.8
23.2
Forward Rate of Return (Yacktman) 13.43
OPOF's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. OPOF: 13.43 )
OPOF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.6   Max: 31.9
Current: 13.43

-18.6
31.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Old Point Financial Corp was incorporated under the laws of Virginia on February 16, 1984. It is a holding company that conducts all of its operations through its two subsidiaries: The Old Point National Bank of Phoebus the "Bank" and Old Point Trust and Financial Services, N.A. the "Trust". The Bank is a national banking association that was founded in 1922. The Bank offers a complete line of consumer, mortgage and business banking services, including loan, deposit, and cash management services to individual and business customers. Trust offers a range of services for individuals and businesses. Its products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. The Company's market area is located in Hampton Roads, situated in the southeastern corner of Virginia and boasting the world's largest natural deepwater harbor. The Company is subject to regulation by federal, state and local governmental authorities and is subject to various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of operations, including those referenced above.
» More Articles for OPOF

Headlines

Articles On GuruFocus.com
Bore Yourself All the Way to the Bank Feb 19 2014 
Old Point Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Old Point Financial Corp. (OPOF) CFO & SVP/FINANCE Laurie D Grabow sells 1,500 Shares Nov 04 2010 
Old Point Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
Old Point Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Weekly CFO Buys Highlight: PVF Capital Corp., First Midwest Bancorp Inc., Bank of Hawaii Corp., Old Jan 31 2010 
Old Point Financial Corp. Reports Operating Results (10-Q) Nov 06 2009 
Old Point Financial Corp. Reports Operating Results (10-Q) Aug 07 2009 
Old Point Financial Corp. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
OLD POINT FINANCIAL CORP Financials May 20 2015
10-Q for Old Point Financial Corp. May 14 2015
Old Point Financial Corporation Declares Second Quarter Dividend May 14 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure May 14 2015
OLD POINT FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 12 2015
Nasdaq stocks posting largest volume decreases Apr 29 2015
10-K for Old Point Financial Corp. Apr 28 2015
Old Point Releases First Quarter 2015 Results Apr 23 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 23 2015
OLD POINT FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 30 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 12 2015
Langley Named to Old Point Financial Corporation’s Board of Directors Feb 12 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 12 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Feb 11 2015
Old Point Financial Corporation Declares First Quarter Dividend Feb 11 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 06 2015
Old Point Releases 2014 Results Jan 27 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 27 2015
Old Point Financial (OPOF) Downgraded From Buy to Hold Dec 13 2014
Old Point Financial Corporation Declares Fourth Quarter Dividend Nov 13 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK