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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
OPOF's Cash to Debt is ranked higher than
99% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. OPOF: No Debt )
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: No Debt
Equity to Asset 0.11
OPOF's Equity to Asset is ranked higher than
58% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OPOF: 0.11 )
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: 0.11
Current: 0.11
0.09
0.11
Interest Coverage 0.99
OPOF's Interest Coverage is ranked lower than
63% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. OPOF: 0.99 )
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: 0.99
0.13
1.12
F-Score: 6
M-Score: -2.16
WACC vs ROIC
3.67%
3.64%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.53
OPOF's Operating margin (%) is ranked lower than
88% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. OPOF: 8.53 )
Ranked among companies with meaningful Operating margin (%) only.
OPOF' s Operating margin (%) Range Over the Past 10 Years
Min: 3.89  Med: 10.73 Max: 29.18
Current: 8.53
3.89
29.18
Net-margin (%) 8.58
OPOF's Net-margin (%) is ranked lower than
85% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.34 vs. OPOF: 8.58 )
Ranked among companies with meaningful Net-margin (%) only.
OPOF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.55  Med: 9.58 Max: 20.88
Current: 8.58
3.55
20.88
ROE (%) 3.77
OPOF's ROE (%) is ranked lower than
81% of the 1676 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. OPOF: 3.77 )
Ranked among companies with meaningful ROE (%) only.
OPOF' s ROE (%) Range Over the Past 10 Years
Min: 1.9  Med: 4.39 Max: 10.32
Current: 3.77
1.9
10.32
ROA (%) 0.39
OPOF's ROA (%) is ranked lower than
77% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OPOF: 0.39 )
Ranked among companies with meaningful ROA (%) only.
OPOF' s ROA (%) Range Over the Past 10 Years
Min: 0.17  Med: 0.44 Max: 0.95
Current: 0.39
0.17
0.95
Revenue Growth (3Y)(%) -1.60
OPOF's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OPOF: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OPOF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.7  Med: 5.00 Max: 66.5
Current: -1.6
-4.7
66.5
EBITDA Growth (3Y)(%) -4.10
OPOF's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OPOF: -4.10 )
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: 23.4
Current: -4.1
-34
23.4
EPS Growth (3Y)(%) -4.60
OPOF's EPS Growth (3Y)(%) is ranked lower than
77% of the 1258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OPOF: -4.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OPOF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.8  Med: 0.20 Max: 35.3
Current: -4.6
-41.8
35.3
» OPOF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-21)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:EVBS, NAS:SLCT, OTCPK:CWBB, OTCPK:ENBP, NAS:ACFC, NAS:JAXB, NAS:FBMS, OTCPK:FNCB, NAS:OVBC, NAS:HBMD, NAS:CBFV, NAS:PKBK, NAS:FCCO, OTCPK:BKGMF, NAS:CLBH, NAS:ASBB, NAS:FCCY, NAS:SMBK, NAS:UBFO, NAS:SOCB » details
Old Point Financial Corp offers a complete line of consumer, mortgage and business banking services, including loan, deposit, and cash management services to individual and business customers.

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 operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Parent. Revenues from the Bank's operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust's operating revenues consist principally of income from fiduciary activities. The Parent company's revenues are mainly interest and dividends received from the Bank and Trust companies.

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Ratios

vs
industry
vs
history
P/E(ttm) 26.96
OPOF's P/E(ttm) is ranked lower than
87% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. OPOF: 26.96 )
Ranked among companies with meaningful P/E(ttm) only.
OPOF' s P/E(ttm) Range Over the Past 10 Years
Min: 10.21  Med: 16.71 Max: 47.11
Current: 26.96
10.21
47.11
PE(NRI) 26.96
OPOF's PE(NRI) is ranked lower than
88% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. OPOF: 26.96 )
Ranked among companies with meaningful PE(NRI) only.
OPOF' s PE(NRI) Range Over the Past 10 Years
Min: 10.23  Med: 16.75 Max: 47.94
Current: 26.96
10.23
47.94
Price/Owner Earnings (ttm) 139.78
OPOF's Price/Owner Earnings (ttm) is ranked lower than
99% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. OPOF: 139.78 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OPOF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.63  Med: 22.80 Max: 177.59
Current: 139.78
8.63
177.59
P/B 0.99
OPOF's P/B is ranked higher than
52% of the 1706 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. OPOF: 0.99 )
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: 1.74
Current: 0.99
0.53
1.74
P/S 2.33
OPOF's P/S is ranked higher than
62% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OPOF: 2.33 )
Ranked among companies with meaningful P/S only.
OPOF' s P/S Range Over the Past 10 Years
Min: 1.09  Med: 1.96 Max: 6.53
Current: 2.33
1.09
6.53
PFCF 18.27
OPOF's PFCF is ranked lower than
80% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.10 vs. OPOF: 18.27 )
Ranked among companies with meaningful PFCF only.
OPOF' s PFCF Range Over the Past 10 Years
Min: 6.56  Med: 18.35 Max: 102.73
Current: 18.27
6.56
102.73
POCF 14.89
OPOF's POCF is ranked lower than
80% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.84 vs. OPOF: 14.89 )
Ranked among companies with meaningful POCF only.
OPOF' s POCF Range Over the Past 10 Years
Min: 4.84  Med: 11.29 Max: 153.31
Current: 14.89
4.84
153.31
EV-to-EBIT 23.58
OPOF's EV-to-EBIT is ranked lower than
79% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. OPOF: 23.58 )
Ranked among companies with meaningful EV-to-EBIT only.
OPOF' s EV-to-EBIT Range Over the Past 10 Years
Min: -153.2  Med: 19.40 Max: 69.8
Current: 23.58
-153.2
69.8
EV-to-EBITDA 13.46
OPOF's EV-to-EBITDA is ranked lower than
59% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. OPOF: 13.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
OPOF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 13.70 Max: 119.8
Current: 13.46
3.2
119.8
PEG 3.51
OPOF's PEG is ranked lower than
83% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. OPOF: 3.51 )
Ranked among companies with meaningful PEG only.
OPOF' s PEG Range Over the Past 10 Years
Min: 0.98  Med: 2.16 Max: 22.11
Current: 3.51
0.98
22.11
Shiller P/E 20.06
OPOF's Shiller P/E is ranked lower than
63% of the 505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.65 vs. OPOF: 20.06 )
Ranked among companies with meaningful Shiller P/E only.
OPOF' s Shiller P/E Range Over the Past 10 Years
Min: 6.9  Med: 10.25 Max: 20.74
Current: 20.06
6.9
20.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
OPOF's Dividend Yield is ranked lower than
71% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. OPOF: 2.01 )
Ranked among companies with meaningful Dividend Yield only.
OPOF' s Dividend Yield Range Over the Past 10 Years
Min: 1.31  Med: 2.17 Max: 4.47
Current: 2.01
1.31
4.47
Dividend Payout 0.52
OPOF's Dividend Payout is ranked lower than
77% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OPOF: 0.52 )
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: 1.5
Current: 0.52
0.18
1.5
Dividend Growth (3y) 19.30
OPOF's Dividend Growth (3y) is ranked higher than
72% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. OPOF: 19.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OPOF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -4.20 Max: 22.5
Current: 19.3
0
22.5
Forward Dividend Yield 2.12
OPOF's Forward Dividend Yield is ranked lower than
75% of the 2105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.22 vs. OPOF: 2.12 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.85
OPOF's Yield on cost (5-Year) is ranked lower than
60% of the 2502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. OPOF: 2.85 )
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: 1.85  Med: 3.04 Max: 6.33
Current: 2.85
1.85
6.33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
OPOF's Price/Tangible Book is ranked higher than
57% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. OPOF: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
OPOF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.12 Max: 2.43
Current: 0.99
0.58
2.43
Price/Projected FCF 0.85
OPOF's Price/Projected FCF is ranked lower than
73% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. OPOF: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
OPOF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.53  Med: 0.84 Max: 1.55
Current: 0.85
0.53
1.55
Price/Median PS Value 1.18
OPOF's Price/Median PS Value is ranked lower than
76% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. OPOF: 1.18 )
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: 1.21 Max: 4.92
Current: 1.18
0.61
4.92
Price/Graham Number 1.10
OPOF's Price/Graham Number is ranked lower than
74% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. OPOF: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
OPOF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.93 Max: 1.48
Current: 1.1
0.41
1.48
Earnings Yield (Greenblatt) (%) 4.20
OPOF's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1699 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. OPOF: 4.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OPOF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 5.00 Max: 23.2
Current: 4.2
1.4
23.2
Forward Rate of Return (Yacktman) (%) 6.02
OPOF's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. OPOF: 6.02 )
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: -18.3  Med: -0.80 Max: 22.6
Current: 6.02
-18.3
22.6

More Statistics

Revenue (TTM) (Mil) $40.22
EPS (TTM) $ 0.70
Beta-0.10
Short Percentage of Float0.09%
52-Week Range $14.71 - 20.50
Shares Outstanding (Mil)4.96
» 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 Files SEC form 8-K, Change in Directors or Principal Officers, Submission... May 31 2016
OLD POINT FINANCIAL CORP Financials May 19 2016
Old Point Financial Corporation Declares Second Quarter Dividend May 16 2016
Old Point Financial Corporation Declares Second Quarter Dividend May 16 2016
Old Point Financial Corporation Declares Second Quarter Dividend May 13 2016
OLD POINT FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure May 12 2016
OLD POINT FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 10 2016
Old Point Financial Corp. :OPOF-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
Old Point Releases First Quarter 2016 Results Apr 27 2016
Old Point Financial posts 1Q profit Apr 27 2016
Old Point Financial posts 1Q profit Apr 27 2016
Old Point Releases First Quarter 2016 Results Apr 27 2016
Old Point Releases First Quarter 2016 Results Apr 26 2016
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 26 2016
Old Point Announces Agreement With PL Capital Mar 18 2016
Old Point Announces Agreement With PL Capital Mar 18 2016
OLD POINT FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation... Mar 17 2016
OLD POINT FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 11 2016
Old Point Financial Corp. Earnings Analysis: 2015 By the Numbers Feb 22 2016
OLD POINT FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Feb 16 2016

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