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Old Point Financial Corporation OPOF

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Price alert · OPOF

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42.10 0.00 0.00%

At close · Sep 2

42.10 Day range 42.10
13.49 52-week range 25.50
YTD
+61.55%
1 year
+124.53%
Open
42.10
Prev close
42.10
Mkt cap
125.17M
Vol
205.96K
Avg vol
9.01K
EPS
1.61
P/E
15.31
Div yield
2.26%
More statistics
Low
42.10
High
42.10
Forward P/E
0.00
Beta
0.29
Short ratio
0.11
Inst. own
36.13%
Dividend
0.56
Ex-div date
Dec 3, 2024
Earnings
Feb 4, 2025
50-d avg
21.32
200-d avg
17.62
1y target
0.00

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Financial health

Altman Z-Score

0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 13.9×
FY 2015: 23.5×FY 2016: 33.8×FY 2017: -2975×FY 2018: 22.7×FY 2019: 18.2×FY 2020: 18.4×FY 2021: 14.5×FY 2022: 15.0×FY 2023: 11.6×FY 2024: 13.9×
FY 2015 5y median 14.5× FY 2024
P/S 1.5×
FY 2015: 2.0×FY 2016: 2.9×FY 2017: 3.2×FY 2018: 2.2×FY 2019: 2.6×FY 2020: 1.8×FY 2021: 2.1×FY 2022: 2.3×FY 2023: 1.1×FY 2024: 1.5×
FY 2015 5y median 1.8× FY 2024
P/B 1.2×
FY 2015: 0.9×FY 2016: 1.3×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.4×FY 2023: 0.8×FY 2024: 1.2×
FY 2015 5y median 1.0× FY 2024
P/FCF 10.0×
FY 2015: 14.0×FY 2016: 16.0×FY 2017: 16.8×FY 2018: 9.6×FY 2019: 13.5×FY 2020: -10.3×FY 2021: 5.7×FY 2022: 8.4×FY 2023: 9.1×FY 2024: 10.0×
FY 2015 5y median 8.4× FY 2024
EV/EBITDA 4.8×
FY 2015: 16.3×FY 2016: 17.8×FY 2017: 88.8×FY 2018: 21.0×FY 2019: 9.4×FY 2020: -1.6×FY 2021: -1.7×FY 2022: 16.1×FY 2023: 9.6×FY 2024: 4.8×
FY 2015 5y median 4.8× FY 2024
EV/Sales 0.8×
FY 2015: 2.3×FY 2016: 2.8×FY 2017: 5.1×FY 2018: 3.1×FY 2019: 2.0×FY 2020: -0.3×FY 2021: -0.4×FY 2022: 3.5×FY 2023: 1.4×FY 2024: 0.8×
FY 2015 5y median 0.8× FY 2024
FCF Yield 10.0%
FY 2015: 7.1%FY 2016: 6.3%FY 2017: 5.9%FY 2018: 10.4%FY 2019: 7.4%FY 2020: -9.7%FY 2021: 17.7%FY 2022: 11.8%FY 2023: 11.0%FY 2024: 10.0%
FY 2015 5y median 11.0% FY 2024

Profitability

Gross Margin 71.0%
FY 2015: 89.3%FY 2016: 89.5%FY 2017: 84.3%FY 2018: 85.5%FY 2019: 87.6%FY 2020: 88.3%FY 2021: 92.6%FY 2022: 91.1%FY 2023: 73.8%FY 2024: 71.0%
FY 2015 5y median 88.3% FY 2024
Operating Margin 13.3%
FY 2015: 8.5%FY 2016: 9.2%FY 2017: -0.3%FY 2018: 10.1%FY 2019: 16.5%FY 2020: 11.0%FY 2021: 17.0%FY 2022: 17.7%FY 2023: 11.3%FY 2024: 13.3%
FY 2015 5y median 13.3% FY 2024
Net Margin 11.1%
FY 2015: 8.4%FY 2016: 8.9%FY 2017: -0.1%FY 2018: 9.5%FY 2019: 14.5%FY 2020: 10.0%FY 2021: 14.8%FY 2022: 15.2%FY 2023: 9.6%FY 2024: 11.1%
FY 2015 5y median 11.1% FY 2024
ROE 8.3%
FY 2015: 3.9%FY 2016: 4.0%FY 2017: -0.0%FY 2018: 4.8%FY 2019: 7.2%FY 2020: 4.6%FY 2021: 7.0%FY 2022: 9.2%FY 2023: 7.2%FY 2024: 8.3%
FY 2015 5y median 7.2% FY 2024
ROIC 4.9%
FY 2015: 2.5%FY 2016: 3.4%FY 2017: -0.0%FY 2018: 2.6%FY 2019: 4.9%FY 2020: 3.5%FY 2021: 5.4%FY 2022: 4.8%FY 2023: 3.6%FY 2024: 4.9%
FY 2015 5y median 4.8% FY 2024
ROA 0.7%
FY 2015: 0.4%FY 2016: 0.4%FY 2017: -0.0%FY 2018: 0.5%FY 2019: 0.7%FY 2020: 0.4%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.5%FY 2024: 0.7%
FY 2015 5y median 0.6% FY 2024

Growth (YoY)

Revenue 6.9%
FY 2015: 1.2%FY 2016: -1.2%FY 2017: 6.5%FY 2018: 12.8%FY 2019: 5.4%FY 2020: -1.0%FY 2021: 6.2%FY 2022: 4.8%FY 2023: 34.1%FY 2024: 6.9%
FY 2015 FY 2024
Operating Income 25.8%
FY 2015: -14.5%FY 2016: 7.3%FY 2017: -103.2%FY 2018: 4225.4%FY 2019: 72.0%FY 2020: -33.9%FY 2021: 64.7%FY 2022: 8.7%FY 2023: -14.3%FY 2024: 25.8%
FY 2015 FY 2024
EPS (diluted) 22.1%
FY 2015: -12.0%FY 2016: 1.4%FY 2017: -101.4%FY 2018: 9700.0%FY 2019: 57.3%FY 2020: -31.8%FY 2021: 56.3%FY 2022: 11.8%FY 2023: -14.4%FY 2024: 22.1%
FY 2015 FY 2024
Free Cash Flow 33.1%
FY 2015: -2.4%FY 2016: 27.7%FY 2017: 13.6%FY 2018: 32.4%FY 2019: -9.3%FY 2020: -190.3%FY 2021: 326.6%FY 2022: -25.2%FY 2023: -38.7%FY 2024: 33.1%
FY 2015 FY 2024

Financial Health

Current Ratio 0.3×
FY 2015: 0.3×FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×
FY 2015 5y median 0.3× FY 2024
Quick Ratio 0.3×
FY 2015: 0.3×FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×
FY 2015 5y median 0.3× FY 2024
Debt / Equity 0.6×
FY 2015: 0.5×FY 2016: 0.2×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 0.5×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 0.6×
FY 2015 5y median 0.6× FY 2024
Net Debt / EBITDA -4.7×
FY 2015: 2.6×FY 2016: -0.7×FY 2017: 32.1×FY 2018: 6.3×FY 2019: -3.1×FY 2020: -13.3×FY 2021: -11.8×FY 2022: 5.6×FY 2023: 1.8×FY 2024: -4.7×
FY 2015 5y median -4.7× FY 2024
Interest Coverage 0.5×
FY 2015: 1.0×FY 2016: 1.5×FY 2017: -0.0×FY 2018: 1.0×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 2.8×FY 2022: 2.9×FY 2023: 0.5×FY 2024: 0.5×
FY 2015 5y median 1.1× FY 2024

Dividends

Dividend Yield 2.2%
FY 2015: 2.0%FY 2016: 1.6%FY 2017: 1.5%FY 2018: 2.0%FY 2019: 1.7%FY 2020: 2.5%FY 2021: 2.1%FY 2022: 1.9%FY 2023: 3.1%FY 2024: 2.2%
FY 2015 5y median 2.2% FY 2024
Payout Ratio 29.8%
FY 2015: 46.4%FY 2016: 52.2%FY 2017: -7579.3%FY 2018: 46.0%FY 2019: 31.8%FY 2020: 46.5%FY 2021: 31.0%FY 2022: 29.0%FY 2023: 36.4%FY 2024: 29.8%
FY 2015 5y median 31.0% FY 2024

Annual · latest fiscal year ends 2024-12-31