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12.81 (1y: +13%)
Market Cap 64 M P/E(ttm) 15.80
Enterprise Value 63.97 M P/B 0.70
OPOF- NAS (USA)
Old Point Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$12.81
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 7/10

vs
industry		 vs
history
Cash to Debt 1.629
OPOF's Cash to Debt is ranked higher than
63% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. OPOF: 1.629 )
OPOF' s 10-Year Cash to Debt Range
Min: 0.15   Max: 1.63
Current: 1.63
0.15
1.63
Equity to Asset 0.098
OPOF's Equity to Asset is ranked higher than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OPOF: 0.098 )
OPOF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.1
Current: 0.1
0.09
0.1
Interest Coverage No Debt
OPOF's Interest Coverage is ranked higher than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. OPOF: No Debt )
OPOF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.29
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 5/10

vs
industry		 vs
history
Operating margin (%) 12.40
OPOF's Operating margin (%) is ranked lower than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. OPOF: 12.40 )
OPOF' s 10-Year Operating margin (%) Range
Min: 3.9   Max: 34.9
Current: 12.4
3.9
34.9
Net-margin (%) 10
OPOF's Net-margin (%) is ranked lower than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. OPOF: 10 )
OPOF' s 10-Year Net-margin (%) Range
Min: 3.6   Max: 25.4
Current: 10
3.6
25.4
ROE (%) 4.7
OPOF's ROE (%) is ranked lower than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. OPOF: 4.7 )
OPOF' s 10-Year ROE (%) Range
Min: 1.9   Max: 12.4
Current: 4.7
1.9
12.4
ROA (%) 0.5
OPOF's ROA (%) is ranked lower than
62% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. OPOF: 0.5 )
OPOF' s 10-Year ROA (%) Range
Min: 0.2   Max: 1.3
Current: 0.5
0.2
1.3
Revenue Growth (%) 1
OPOF's Revenue Growth (%) is ranked higher than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 1 )
OPOF' s 10-Year Revenue Growth (%) Range
Min: 0.8   Max: 7.9
Current: 1
0.8
7.9
EBITDA Growth (%) 16.9
OPOF's EBITDA Growth (%) is ranked higher than
85% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 16.9 )
OPOF' s 10-Year EBITDA Growth (%) Range
Min: -26.7   Max: 16.9
Current: 16.9
-26.7
16.9
EPS Growth (%) 25.4
OPOF's EPS Growth (%) is ranked higher than
90% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: 25.4 )
OPOF' s 10-Year EPS Growth (%) Range
Min: -33.6   Max: 25.4
Current: 25.4
-33.6
25.4
ยป OPOF's 10-Y Financials

Financials


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

» Details

Guru Trades
Q4 2011

OPOF Guru Trades in Q4 2011

Chuck Royce 25,000 sh (unchged)
» More
Q1 2012

OPOF Guru Trades in Q1 2012

Chuck Royce 25,000 sh (unchged)
» More
Q2 2012

OPOF Guru Trades in Q2 2012

Chuck Royce 17,573 sh (-29.71%)
» More
Q3 2012

OPOF Guru Trades in Q3 2012

Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with OPOF



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 15.80
OPOF's P/E(ttm) is ranked lower than
65% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. OPOF: 15.80 )
OPOF' s 10-Year P/E(ttm) Range
Min: 8.29   Max: 47.94
Current: 15.8
8.29
47.94
P/B 0.70
OPOF's P/B is ranked higher than
68% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. OPOF: 0.70 )
OPOF' s 10-Year P/B Range
Min: 0.53   Max: 2.54
Current: 0.7
0.53
2.54
P/S 1.55
OPOF's P/S is ranked higher than
75% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. OPOF: 1.55 )
OPOF' s 10-Year P/S Range
Min: 1.09   Max: 5.14
Current: 1.55
1.09
5.14
PFCF 15.20
OPOF's PFCF is ranked lower than
80% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. OPOF: 15.20 )
OPOF' s 10-Year PFCF Range
Min: 6.56   Max: 606
Current: 15.2
6.56
606
EV-to-EBIT 13.3
OPOF's EV-to-EBIT is ranked higher than
59% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. OPOF: 13.3 )
OPOF' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 57.1
Current: 13.3
2.5
57.1
Shiller P/E 14.5
OPOF's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. OPOF: 14.5 )
OPOF' s 10-Year Shiller P/E Range
Min: 8.83   Max: 15.91
Current: 14.5
8.83
15.91

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.56
OPOF's Dividend Yield is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. OPOF: 1.56 )
OPOF' s 10-Year Dividend Yield Range
Min: 1.21   Max: 4.47
Current: 1.56
1.21
4.47
Dividend Payout 0.2473
OPOF's Dividend Payout is ranked higher than
60% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. OPOF: 0.2473 )
OPOF' s 10-Year Dividend Payout Range
Min: 0.22   Max: 1.38
Current: 0.25
0.22
1.38
Dividend growth (3y) -19.2
OPOF's Dividend growth (3y) is ranked lower than
86% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPOF: -19.2 )
OPOF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 16.4
Current: -19.2
0
16.4
Yield on cost (5-Year) 0.32
OPOF's Yield on cost (5-Year) is ranked lower than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPOF: 0.32 )
OPOF' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 0.88
Current: 0.32
0.24
0.88
Share Buyback Rate -0.1
OPOF's Share Buyback Rate is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. OPOF: -0.1 )
OPOF' s 10-Year Share Buyback Rate Range
Min: 0.9   Max: -1.2
Current: -0.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
OPOF's Price/Tangible Book is ranked higher than
79% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OPOF: 0.7 )
OPOF' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.1
Current: 0.7
0.6
2.1
Price/DCF (Projected) 0.6
OPOF's Price/DCF (Projected) is ranked lower than
56% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. OPOF: 0.6 )
OPOF' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.8
Current: 0.6
0.5
0.8
Price/Median PS Value 0.6
OPOF's Price/Median PS Value is ranked higher than
83% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OPOF: 0.6 )
OPOF' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.6
Current: 0.6
0.5
1.6
Price/Graham Number 0.7
OPOF's Price/Graham Number is ranked higher than
64% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OPOF: 0.7 )
OPOF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.4
Current: 0.7
0.6
1.4
Earnings Yield (Greenblatt) 7.50
OPOF's Earnings Yield (Greenblatt) is ranked higher than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. OPOF: 7.50 )
OPOF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 39.9
Current: 7.5
1.8
39.9
Forward Rate of Return (Yacktman) -1.44
OPOF's Forward Rate of Return (Yacktman) is ranked lower than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. OPOF: -1.44 )
OPOF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -21.3   Max: 16.4
Current: -1.44
-21.3
16.4

Business Description

Old Point Financial Corporation 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. The Bank services individual and commercial customers, the majority of which are in Hampton Roads, Virginia. Trust offers a full 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 competes by emphasizing customer service and technology, establishing long-term customer relationships and building customer loyalty, and providing products and services to address the specific needs of the Company's customers. The Company faces competitive pressure from credit unions. The three largest credit unions headquartered in the Hampton Roads MSA are Chartway Federal Credit Union, Langley Federal Credit Union, and Bay Port Credit Union. The Company is a bank holding company, which is subject to the supervision of, the Board of Governors of the Federal Reserve System.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for OPOF

Headlines

Articles On GuruFocus.com
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 

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