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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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
OPOF's Cash-to-Debt is ranked higher than
99% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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: 0.45 Max: No Debt
Current: No Debt
Equity-to-Asset 0.10
OPOF's Equity-to-Asset is ranked lower than
52% of the 1591 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: 0.1 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 1.57
OPOF's Interest Coverage is ranked lower than
53% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. OPOF: 1.57 )
Ranked among companies with meaningful Interest Coverage only.
OPOF' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.7 Max: 1.57
Current: 1.57
0.13
1.57
WACC vs ROIC
4.09%
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 : 3/10

vs
industry
vs
history
Operating Margin % 9.41
OPOF's Operating Margin % is ranked lower than
87% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. OPOF: 9.41 )
Ranked among companies with meaningful Operating Margin % only.
OPOF' s Operating Margin % Range Over the Past 10 Years
Min: 3.89  Med: 10.08 Max: 29.18
Current: 9.41
3.89
29.18
Net Margin % 9.13
OPOF's Net Margin % is ranked lower than
84% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. OPOF: 9.13 )
Ranked among companies with meaningful Net Margin % only.
OPOF' s Net Margin % Range Over the Past 10 Years
Min: 3.55  Med: 9.23 Max: 20.88
Current: 9.13
3.55
20.88
ROE % 3.91
OPOF's ROE % is ranked lower than
80% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. OPOF: 3.91 )
Ranked among companies with meaningful ROE % only.
OPOF' s ROE % Range Over the Past 10 Years
Min: 1.9  Med: 4.03 Max: 10.32
Current: 3.91
1.9
10.32
ROA % 0.41
OPOF's ROA % is ranked lower than
76% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OPOF: 0.41 )
Ranked among companies with meaningful ROA % only.
OPOF' s ROA % Range Over the Past 10 Years
Min: 0.17  Med: 0.42 Max: 0.95
Current: 0.41
0.17
0.95
3-Year Revenue Growth Rate 2.40
OPOF's 3-Year Revenue Growth Rate is ranked lower than
60% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. OPOF: 2.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OPOF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -17.1  Med: 4.6 Max: 65.8
Current: 2.4
-17.1
65.8
3-Year EBITDA Growth Rate 6.90
OPOF's 3-Year EBITDA Growth Rate is ranked higher than
52% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. OPOF: 6.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OPOF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -34  Med: 0.8 Max: 23.4
Current: 6.9
-34
23.4
3-Year EPS without NRI Growth Rate 6.40
OPOF's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OPOF: 6.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OPOF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -42  Med: 3.3 Max: 35.2
Current: 6.4
-42
35.2
GuruFocus has detected 6 Warning Signs with Old Point Financial Corp $OPOF.
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» OPOF's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:ENFC, NAS:BOCH, NAS:PEBK, NAS:TRCB, OTCPK:BERK, NAS:ASBB, OTCBB:FKYS, NAS:UBFO, NAS:PKBK, NAS:OVBC, OTCPK:QNBC, OTCPK:CARE, NYSE:MSL, NAS:NWFL, NAS:TCFC, OTCPK:TGRF, NAS:FCCY, NAS:MBCN, NAS:SLCT, NAS:CFFI » details
Headquarter Location:USA
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.

Ratios

vs
industry
vs
history
PE Ratio 39.76
OPOF's PE Ratio is ranked lower than
92% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. OPOF: 39.76 )
Ranked among companies with meaningful PE Ratio only.
OPOF' s PE Ratio Range Over the Past 10 Years
Min: 10.23  Med: 17.2 Max: 47.94
Current: 39.76
10.23
47.94
PE Ratio without NRI 39.76
OPOF's PE Ratio without NRI is ranked lower than
92% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. OPOF: 39.76 )
Ranked among companies with meaningful PE Ratio without NRI only.
OPOF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.23  Med: 17.16 Max: 47.94
Current: 39.76
10.23
47.94
Price-to-Owner-Earnings 50.30
OPOF's Price-to-Owner-Earnings is ranked lower than
96% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. OPOF: 50.30 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OPOF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.63  Med: 26.43 Max: 347.69
Current: 50.3
8.63
347.69
PB Ratio 1.57
OPOF's PB Ratio is ranked lower than
72% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPOF: 1.57 )
Ranked among companies with meaningful PB Ratio only.
OPOF' s PB Ratio Range Over the Past 10 Years
Min: 0.53  Med: 0.9 Max: 1.64
Current: 1.57
0.53
1.64
PS Ratio 3.66
OPOF's PS Ratio is ranked lower than
55% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. OPOF: 3.66 )
Ranked among companies with meaningful PS Ratio only.
OPOF' s PS Ratio Range Over the Past 10 Years
Min: 1.09  Med: 1.97 Max: 6.53
Current: 3.66
1.09
6.53
Price-to-Free-Cash-Flow 14.69
OPOF's Price-to-Free-Cash-Flow is ranked lower than
77% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. OPOF: 14.69 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OPOF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.56  Med: 16.25 Max: 102.73
Current: 14.69
6.56
102.73
Price-to-Operating-Cash-Flow 13.68
OPOF's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. OPOF: 13.68 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OPOF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.84  Med: 11.17 Max: 153.31
Current: 13.68
4.84
153.31
EV-to-EBIT 33.60
OPOF's EV-to-EBIT is ranked lower than
89% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. OPOF: 33.60 )
Ranked among companies with meaningful EV-to-EBIT only.
OPOF' s EV-to-EBIT Range Over the Past 10 Years
Min: -153.2  Med: 20.35 Max: 69.8
Current: 33.6
-153.2
69.8
EV-to-EBITDA 19.54
OPOF's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. OPOF: 19.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
OPOF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 13.6 Max: 119.8
Current: 19.54
3.2
119.8
PEG Ratio 67.50
OPOF's PEG Ratio is ranked lower than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. OPOF: 67.50 )
Ranked among companies with meaningful PEG Ratio only.
OPOF' s PEG Ratio Range Over the Past 10 Years
Min: 0.98  Med: 2.21 Max: 67.5
Current: 67.5
0.98
67.5
Shiller PE Ratio 34.82
OPOF's Shiller PE Ratio is ranked lower than
82% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. OPOF: 34.82 )
Ranked among companies with meaningful Shiller PE Ratio only.
OPOF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.85  Med: 10.25 Max: 35.5
Current: 34.82
6.85
35.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.38
OPOF's Dividend Yield % is ranked lower than
81% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. OPOF: 1.38 )
Ranked among companies with meaningful Dividend Yield % only.
OPOF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.31  Med: 1.97 Max: 4.47
Current: 1.38
1.31
4.47
Dividend Payout Ratio 0.55
OPOF's Dividend Payout Ratio is ranked lower than
77% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OPOF: 0.55 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OPOF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.42 Max: 1.38
Current: 0.55
0.24
1.38
3-Year Dividend Growth Rate 22.10
OPOF's 3-Year Dividend Growth Rate is ranked higher than
79% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OPOF: 22.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
OPOF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -15.25 Max: 22.5
Current: 22.1
0
22.5
Forward Dividend Yield % 1.46
OPOF's Forward Dividend Yield % is ranked lower than
83% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. OPOF: 1.46 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.89
OPOF's 5-Year Yield-on-Cost % is ranked lower than
57% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. OPOF: 2.89 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OPOF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.76  Med: 4.16 Max: 9.43
Current: 2.89
2.76
9.43

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.56
OPOF's Price-to-Tangible-Book is ranked lower than
65% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OPOF: 1.56 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OPOF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.58  Med: 1.12 Max: 2.43
Current: 1.56
0.58
2.43
Price-to-Intrinsic-Value-Projected-FCF 1.19
OPOF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
82% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OPOF: 1.19 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OPOF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.53  Med: 0.86 Max: 1.55
Current: 1.19
0.53
1.55
Price-to-Median-PS-Value 1.85
OPOF's Price-to-Median-PS-Value is ranked lower than
91% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. OPOF: 1.85 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OPOF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.24 Max: 4.92
Current: 1.85
0.61
4.92
Price-to-Graham-Number 1.66
OPOF's Price-to-Graham-Number is ranked lower than
90% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. OPOF: 1.66 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OPOF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 0.94 Max: 1.69
Current: 1.66
0.41
1.69
Earnings Yield (Greenblatt) % 2.97
OPOF's Earnings Yield (Greenblatt) % is ranked lower than
67% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. OPOF: 2.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OPOF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 4.9 Max: 23.2
Current: 2.97
1.4
23.2
Forward Rate of Return (Yacktman) % 1.44
OPOF's Forward Rate of Return (Yacktman) % is ranked lower than
78% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. OPOF: 1.44 )
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: -19.4  Med: -0.8 Max: 22.6
Current: 1.44
-19.4
22.6

More Statistics

Revenue (TTM) (Mil) $40.71
EPS (TTM) $ 0.75
Beta0.09
Short Percentage of Float0.18%
52-Week Range $18.30 - 32.52
Shares Outstanding (Mil)4.98
» More Articles for OPOF

Headlines

Articles On GuruFocus.com
Old Point Financial Corporation Announces Appointment Of Jeffrey W. Farrar As New Chief Financial Of May 23 2017 
Old Point Financial Corporation Declares Second Quarter Dividend May 11 2017 
Old Point Releases First Quarter 2017 Results Apr 28 2017 
Old Point Completes Purchase of Full Ownership of Old Point Mortgage Apr 21 2017 
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 

More From Other Websites
Old Point Financial Corporation Announces Appointment Of Jeffrey W. Farrar As New Chief Financial... May 23 2017
Old Point Financial Corporation Declares Second Quarter Dividend May 11 2017
Old Point Financial posts 1Q profit Apr 28 2017
Old Point Releases First Quarter 2017 Results Apr 28 2017
Old Point Completes Purchase of Full Ownership of Old Point Mortgage Apr 21 2017
Old Point Increases 2017 First Quarter Dividend by 10% Feb 17 2017
Old Point Financial Corporation Declares First Quarter Dividend Feb 15 2017
Old Point National Bank Signs With TCM Bank Feb 08 2017
Old Point Financial Corp. :OPOF-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Old Point Releases 2016 Results Jan 27 2017
Old Point Financial Corp. : OPOF-US: Dividend Analysis : November 30th, 2016 (record date) : By the... Jan 25 2017
Old Point CFO to Retire After 31 Years Jan 18 2017
Old Point Financial Corporation Declares Fourth Quarter Dividend Nov 10 2016
Old Point Financial Corp. :OPOF-US: Earnings Analysis: Q3, 2016 By the Numbers : November 7, 2016 Nov 07 2016
Old Point Releases Third Quarter 2016 Results Nov 03 2016
My Early Christmas Gift: An Activist Bank Investor's 13F Filing Oct 26 2016
Old Point Financial Corp. : OPOF-US: Dividend Analysis : August 31st, 2016 (record date) : By the... Oct 21 2016
Old Point Financial Corporation Declares Third Quarter Dividend Aug 12 2016
Old Point Financial Corp. :OPOF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 11, 2016 Aug 11 2016

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