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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 0.53
OPOF's Cash to Debt is ranked lower than
66% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. OPOF: 0.53 )
Ranked among companies with meaningful Cash to Debt only.
OPOF' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.44 Max: No Debt
Current: 0.53
Equity to Asset 0.10
OPOF's Equity to Asset is ranked lower than
51% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OPOF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
OPOF' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.1
Current: 0.1
0.09
0.1
Interest Coverage 1.40
OPOF's Interest Coverage is ranked lower than
59% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. OPOF: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
OPOF' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.58 Max: 1.12
Current: 1.4
0.13
1.12
F-Score: 7
WACC vs ROIC
5.39%
4.79%
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 (%) 12.77
OPOF's Operating margin (%) is ranked lower than
83% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. OPOF: 12.77 )
Ranked among companies with meaningful Operating margin (%) only.
OPOF' s Operating margin (%) Range Over the Past 10 Years
Min: 3.89  Med: 11.72 Max: 29.18
Current: 12.77
3.89
29.18
Net-margin (%) 11.74
OPOF's Net-margin (%) is ranked lower than
81% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. OPOF: 11.74 )
Ranked among companies with meaningful Net-margin (%) only.
OPOF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.55  Med: 10.28 Max: 21.05
Current: 11.74
3.55
21.05
ROE (%) 5.24
OPOF's ROE (%) is ranked lower than
72% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. OPOF: 5.24 )
Ranked among companies with meaningful ROE (%) only.
OPOF' s ROE (%) Range Over the Past 10 Years
Min: 1.9  Med: 4.82 Max: 10.37
Current: 5.24
1.9
10.37
ROA (%) 0.53
OPOF's ROA (%) is ranked lower than
71% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. OPOF: 0.53 )
Ranked among companies with meaningful ROA (%) only.
OPOF' s ROA (%) Range Over the Past 10 Years
Min: 0.17  Med: 0.48 Max: 1.02
Current: 0.53
0.17
1.02
Revenue Growth (3Y)(%) -2.20
OPOF's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OPOF: -2.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OPOF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.7  Med: 5.20 Max: 66.4
Current: -2.2
-4.7
66.4
EBITDA Growth (3Y)(%) 2.10
OPOF's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. OPOF: 2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OPOF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -34  Med: 0.90 Max: 23.2
Current: 2.1
-34
23.2
EPS Growth (3Y)(%) 7.70
OPOF's EPS Growth (3Y)(%) is ranked lower than
55% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. OPOF: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OPOF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.8  Med: 3.60 Max: 35.3
Current: 7.7
-41.8
35.3
» OPOF's 10-Y Financials

Financials


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

» Details

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Top Ranked Articles about Old Point Financial Corp

Winning Stocks The 10-year return was 13.2% compared to the Standard & Poor's 500 return of 5.1%
This screen is based on an article by Marc Reinganum, titled "Investment Characteristics of Stock Market Winners," that examined the common traits of a group of winning stocks. This study tries to identify qualities of winning stocks and translate the information into a quantitative value/growth/momentum screen. The study examined 222 stocks highlighted as winners in a publication by William O'Neil & Co. titled "The Greatest Stock Market Winners: 1970-1983." Nine traits were developed that helped to identify the winners: Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 19.70
OPOF's P/E(ttm) is ranked lower than
83% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. OPOF: 19.70 )
Ranked among companies with meaningful P/E(ttm) only.
OPOF' s P/E(ttm) Range Over the Past 10 Years
Min: 10.21  Med: 16.37 Max: 47.11
Current: 19.7
10.21
47.11
Forward P/E 17.27
OPOF's Forward P/E is ranked lower than
94% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.51 vs. OPOF: 17.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
OPOF's PE(NRI) is ranked lower than
82% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. OPOF: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
OPOF' s PE(NRI) Range Over the Past 10 Years
Min: 10.23  Med: 16.36 Max: 47.94
Current: 19.7
10.23
47.94
P/B 1.01
OPOF's P/B is ranked lower than
53% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. OPOF: 1.01 )
Ranked among companies with meaningful P/B only.
OPOF' s P/B Range Over the Past 10 Years
Min: 0.53  Med: 0.90 Max: 1.86
Current: 1.01
0.53
1.86
P/S 2.31
OPOF's P/S is ranked higher than
56% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. OPOF: 2.31 )
Ranked among companies with meaningful P/S only.
OPOF' s P/S Range Over the Past 10 Years
Min: 1.09  Med: 1.97 Max: 6.54
Current: 2.31
1.09
6.54
PFCF 11.28
OPOF's PFCF is ranked lower than
63% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. OPOF: 11.28 )
Ranked among companies with meaningful PFCF only.
OPOF' s PFCF Range Over the Past 10 Years
Min: 6.56  Med: 16.44 Max: 93.93
Current: 11.28
6.56
93.93
POCF 9.54
OPOF's POCF is ranked lower than
63% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. OPOF: 9.54 )
Ranked among companies with meaningful POCF only.
OPOF' s POCF Range Over the Past 10 Years
Min: 4.83  Med: 9.19 Max: 160.38
Current: 9.54
4.83
160.38
EV-to-EBIT 20.38
OPOF's EV-to-EBIT is ranked lower than
74% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. OPOF: 20.38 )
Ranked among companies with meaningful EV-to-EBIT only.
OPOF' s EV-to-EBIT Range Over the Past 10 Years
Min: -153.2  Med: 17.35 Max: 57.1
Current: 20.38
-153.2
57.1
EV-to-EBITDA 13.66
OPOF's EV-to-EBITDA is ranked lower than
61% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. OPOF: 13.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
OPOF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 13.25 Max: 119.8
Current: 13.66
3.2
119.8
PEG 1.58
OPOF's PEG is ranked lower than
65% of the 626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. OPOF: 1.58 )
Ranked among companies with meaningful PEG only.
OPOF' s PEG Range Over the Past 10 Years
Min: 0.77  Med: 1.84 Max: 15.97
Current: 1.58
0.77
15.97
Shiller P/E 18.90
OPOF's Shiller P/E is ranked lower than
64% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.92 vs. OPOF: 18.90 )
Ranked among companies with meaningful Shiller P/E only.
OPOF' s Shiller P/E Range Over the Past 10 Years
Min: 6.9  Med: 10.45 Max: 19.28
Current: 18.9
6.9
19.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
OPOF's Dividend Yield is ranked lower than
74% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. OPOF: 1.84 )
Ranked among companies with meaningful Dividend Yield only.
OPOF' s Dividend Yield Range Over the Past 10 Years
Min: 1.31  Med: 2.16 Max: 4.47
Current: 1.84
1.31
4.47
Dividend Payout 0.34
OPOF's Dividend Payout is ranked higher than
50% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. OPOF: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
OPOF' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.31 Max: 1.43
Current: 0.34
0.18
1.43
Dividend Growth (3y) 9.10
OPOF's Dividend Growth (3y) is ranked higher than
58% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. OPOF: 9.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OPOF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -4.95 Max: 22.5
Current: 9.1
0
22.5
Forward Dividend Yield 1.95
OPOF's Forward Dividend Yield is ranked lower than
76% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. OPOF: 1.95 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.14
OPOF's Yield on cost (5-Year) is ranked lower than
87% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. OPOF: 1.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OPOF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.81  Med: 1.34 Max: 2.77
Current: 1.14
0.81
2.77

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
OPOF's Price/Tangible Book is ranked higher than
55% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OPOF: 1.01 )
Ranked among companies with meaningful Price/Tangible Book only.
OPOF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.13 Max: 2.43
Current: 1.01
0.58
2.43
Price/Projected FCF 0.84
OPOF's Price/Projected FCF is ranked lower than
69% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. OPOF: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
OPOF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 0.82 Max: 4.56
Current: 0.84
0.51
4.56
Price/Median PS Value 1.17
OPOF's Price/Median PS Value is ranked lower than
77% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. OPOF: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
OPOF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.25 Max: 4.9
Current: 1.17
0.61
4.9
Price/Peter Lynch Fair Value 2.57
OPOF's Price/Peter Lynch Fair Value is ranked lower than
96% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. OPOF: 2.57 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OPOF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.66  Med: 1.68 Max: 7.66
Current: 2.57
0.66
7.66
Price/Graham Number 0.94
OPOF's Price/Graham Number is ranked lower than
68% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. OPOF: 0.94 )
Ranked among companies with meaningful Price/Graham Number only.
OPOF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.6  Med: 0.94 Max: 1.46
Current: 0.94
0.6
1.46
Earnings Yield (Greenblatt) (%) 4.94
OPOF's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OPOF: 4.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OPOF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 5.70 Max: 23.2
Current: 4.94
1.8
23.2
Forward Rate of Return (Yacktman) (%) 12.19
OPOF's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. OPOF: 12.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OPOF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.6  Med: -0.15 Max: 23.2
Current: 12.19
-18.6
23.2

More Statistics

Revenue(Mil) $40
EPS $ 0.94
Beta-0.08
Short Percentage of Float0.06%
52-Week Range $14.71 - 19.38
Shares Outstanding(Mil)4.96

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 0.89
EPS without NRI($) 0.89

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 Dec 08 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Nov 12 2015
Old Point Financial Corp. Earnings Q3, 2015 Nov 12 2015
OLD POINT FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 09 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K/A, Change in Directors or Principal Officers Oct 19 2015
Old Point Releases Third Quarter 2015 Results Oct 13 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 13 2015
Old Point Announces New Chief Lending Officer Sep 25 2015
Old Point’s Joseph R. Witt Appointed Chief Business Development Officer Sep 23 2015
Old Point Financial Corp. Earnings Q2, 2015 Sep 11 2015
Old Point Announces New Leadership Sep 09 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 09 2015
Cardinal Financial Corp. Earnings Q2*, 2015 Aug 13 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Aug 12 2015
OLD POINT FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 10 2015
Old Point Releases Second Quarter 2015 Results Jul 21 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 21 2015
OLD POINT FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 28 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

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