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OPOF (Old Point Financial) Cyclically Adjusted Price-to-FCF : 11.51 (As of Jan. 18, 2025)


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What is Old Point Financial Cyclically Adjusted Price-to-FCF?

As of today (2025-01-18), Old Point Financial's current share price is $25.10. Old Point Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Sep. 2024 was $2.18. Old Point Financial's Cyclically Adjusted Price-to-FCF for today is 11.51.

The historical rank and industry rank for Old Point Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

OPOF' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.48   Med: 19.57   Max: 45.12
Current: 11.5

During the past years, Old Point Financial's highest Cyclically Adjusted Price-to-FCF was 45.12. The lowest was 6.48. And the median was 19.57.

OPOF's Cyclically Adjusted Price-to-FCF is ranked worse than
67.89% of 847 companies
in the Banks industry
Industry Median: 8.63 vs OPOF: 11.50

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Old Point Financial's adjusted free cash flow per share data for the three months ended in Sep. 2024 was $1.262. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.18 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Old Point Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Old Point Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Old Point Financial Cyclically Adjusted Price-to-FCF Chart

Old Point Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.66 16.86 16.01 15.61 8.75

Old Point Financial Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.31 8.75 8.34 6.93 8.86

Competitive Comparison of Old Point Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Old Point Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Old Point Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Old Point Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Old Point Financial's Cyclically Adjusted Price-to-FCF falls into.



Old Point Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Old Point Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=25.10/2.18
=11.51

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Old Point Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Sep. 2024 is calculated as:

For example, Old Point Financial's adjusted Free Cash Flow per Share data for the three months ended in Sep. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=1.262/133.0289*133.0289
=1.262

Current CPI (Sep. 2024) = 133.0289.

Old Point Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.454 99.070 0.610
201503 0.365 99.621 0.487
201506 0.219 100.684 0.289
201509 0.599 100.392 0.794
201512 0.042 99.792 0.056
201603 0.173 100.470 0.229
201606 0.313 101.688 0.409
201609 0.576 101.861 0.752
201612 0.502 101.863 0.656
201703 0.636 102.862 0.823
201706 0.006 103.349 0.008
201709 0.647 104.136 0.827
201712 0.474 104.011 0.606
201803 0.552 105.290 0.697
201806 0.222 106.317 0.278
201809 0.589 106.507 0.736
201812 0.906 105.998 1.137
201903 0.223 107.251 0.277
201906 0.585 108.070 0.720
201909 0.469 108.329 0.576
201912 0.760 108.420 0.933
202003 -0.327 108.902 -0.399
202006 0.089 108.767 0.109
202009 -1.699 109.815 -2.058
202012 0.105 109.897 0.127
202103 2.692 111.754 3.204
202106 0.207 114.631 0.240
202109 0.254 115.734 0.292
202112 0.987 117.630 1.116
202203 0.836 121.301 0.917
202206 1.000 125.017 1.064
202209 0.676 125.227 0.718
202212 0.680 125.222 0.722
202303 0.674 127.348 0.704
202306 0.240 128.729 0.248
202309 0.502 129.860 0.514
202312 0.563 129.419 0.579
202403 0.591 131.776 0.597
202406 -0.038 132.554 -0.038
202409 1.262 133.029 1.262

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Old Point Financial  (NAS:OPOF) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Old Point Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Old Point Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Old Point Financial Business Description

Traded in Other Exchanges
N/A
Address
101 East Queen Street, Hampton, VA, USA, 23669
Old Point Financial Corp functions in the financial services domain in the United States. As the holding company of The Bank and Trust, it is a nationally chartered trust and wealth management service, provider. Its suite of services includes commercial banking solutions such as loan, deposit and cash management, which are rendered through a chain of branches throughout the country. It operates through segments such as Bank, Wealth and Company.
Executives
Joseph R Witt director, other: EVP, Corporate Banking, OPNB PO BOX 3392, HAMPTON VA 23663
Sarah B Golden director PO BOX 3392, HAMPTON VA 23663
Pl Capital Advisors, Llc 10 percent owner 750 ELEVENTH STREET SOUTH, SUITE 202, NAPLES FL 34102
Tom B Langley director PO BOX 3392, HAMPTON VA 23663
Michael A Glasser director PO BOX 3392, HAMPTON VA 23663
Paul M Pickett officer: Chief Financial Officer PO BOX 3392, HAMPTON VA 23663
Elizabeth S Wash director 1104 WORMLEY CREEK DRIVE, YORKTOWN VA 23692
John Cabot Ishon director PO BOX 3392, HAMPTON VA 23663
Thacker Clark Rebekah Ellen director PO BOX 3392, HAMPTON VA 23663
Adams Stephen Conway director PO BOX 3392, HAMPTON VA 23663
Shuford Robert F Jr other: EVP/CHIEF OPERATING OFFR-OPNB PO BOX 3392, HAMPTON VA 23663
Greene Dr Arthur D director PO BOX 3392, HAMPTON VA 23663
John W Palmer 10 percent owner C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373
Richard J Lashley 10 percent owner C/O PL CAPITAL, LLC, 47 E. CHICAGO AVE., SUITE 328, NAPERVILLE IL 60540
Kauders A Eric Jr officer: SVP/Trust 101 E QUEEN ST, HAMPTON VA 23669