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Old Point Financial Corporation

Old Point Financial Corporation

OPOF
Old Point Financial CorporationUS flagNASDAQ Capital Market
42.10
USD
+0.94
- -
214.80MMarket Cap
Old Point Financial Corporation
OPOF
(NASDAQ Capital Market)

Recent

price

42.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
8.14
8.84
8.43
8.42
7.65
7.88
8.03
8.13
8.55
9.06
9.22
9.3
10.25
11.09
12.31
12.17
12.3
Revenue per Share
0.34
0.31
0.66
0.84
0.64
0.83
0.73
0.77
-0.01
0.96
1.51
1.03
1.61
1.8
1.54
1.88
1.7
Basic EPS, GAAP
-1.64
0.34
1.4
1.13
-0.48
1.26
1.23
1.57
1.77
2.27
2.04
-1.83
4.14
3.2
1.98
2.61
2.74
Free Cash Flow per Basic Share
0.47
0.25
0.2
0.2
0.22
0.26
0.34
0.4
0.44
0.44
0.48
0.48
0.5
0.52
0.56
0.56
0.56
Dividend per Share
13.67
13.7
14.12
14.74
15.16
15.73
16.12
16.49
15.99
16.23
17.1
17.6
18.65
20.29
21.34
22.42
22.73
Book Value per Share
16.63
16.43
17.34
18.01
16.29
17.85
18.79
18.95
19.19
19.44
20.73
22.08
22.7
19.1
20.88
22.15
22.88
Tangible Book Value per Share
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
40
44
42
42
38
39
40
40
43
47
48
48
54
56
62
62
63
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
2
2
2
3
3
3
2
3
3
2
2
3
3
2
Depreciation Expense
2
2
3
4
3
4
4
4
- -
5
8
5
8
9
8
10
9
Net Income, GAAP
11.15
8.79
24.42
19.2
9.91
4.55
1.46
4.04
- -
5.37
12.08
8.82
13.31
13.93
14.72
16.63
19.13
Effective Tax Rate (%)
4.21
3.55
7.88
10.03
8.34
10.53
9.13
9.42
-0.07
10.57
16.41
11.11
15.72
16.19
12.5
15.43
13.85
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
65
35
35
25
25
30
25
- -
68
63
39
1
29
76
99
70
66
LT Debt
82
81
86
89
81
88
93
94
96
102
110
117
121
99
107
114
118
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.49
2.3
4.79
5.86
4.27
5.37
4.6
4.7
-0.04
6.02
9.12
5.96
8.91
9.08
7.36
8.61
7.68
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
2
2
2
LT Borrowings
70
66
66
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
132
152
200

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
357
141
104
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2
2
2
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.86%
1.3%
6.74%
Free Cash Flow
-48.56%
-109.53%
33.09%
Net Income, GAAP
-1,706.93%
8.19%
23%
Sales/Revenue/Turnover
4.73%
5.27%
-0.36%
Total Cash Common Dividend
8.57%
2.63%
0.75%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
16
15
15
15
62
2024
15
16
16
15
62
2025
16
15
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.62
0.36
0.27
0.29
1.54
2024
0.34
0.5
0.47
0.57
1.88
2025
0.42
0.24
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.14
0.14
0.14
0.14
0.56
2024
0.14
0.14
0.14
0.14
0.56
2025
0.14
0.14
- -
- -
- -
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Business
Old Point Financial Corporation operates as the bank holding company for Old Point National Bank, a community bank providing consumer, mortgage, and business banking services primarily in Virginia; its core offerings include deposit products such as interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits, as well as loans encompassing real estate construction, commercial real estate, residential 1-4 family mortgages, second mortgages, equity lines of credit, and other collateral-secured loans including those backed by inventory, accounts receivable, equipment, or personal property. The company also delivers wealth management services through Old Point Wealth Management, featuring retirement planning, estate and financial planning, trust administration, retirement plan administration, tax and investment management, insurance products, and cash management services tailored to businesses, individuals, and commercial customers across Hampton Roads, Richmond regions, and a mortgage production office in Charlotte, North Carolina. Founded in 1922 and headquartered in Hampton, Virginia, Old Point maintains 13 branches that continue to operate as Old Point National Bank, a division of TowneBank, following its merger completion on September 1, 2025, in a $203 million transaction approved by shareholders on July 2, 2025, which enhances TowneBank's Hampton Roads market share with combined assets of $19.5 billion as of December 31, 2024, while core system conversions are scheduled for February 2026 and Old Point Wealth Management integrates as an addition to TowneBank's offerings.

Company News

APIChat

  • prnewswire.com

    TowneBank and Old Point Financial Corporation Announce Expected Closing Date and Election Deadline for Merger

  • fool.com

    Old Point (OPOF) Q2 EPS Falls 52%

  • prnewswire.com

    Old Point Releases Second Quarter 2025 Results

  • prnewswire.com

    Old Point Announces Shareholder Approval for Merger

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend

  • zacks.com

    OPOF Q1 Earnings Rise Y/Y on NIM Gains, Deposit Growth, Stock up 2%

  • prnewswire.com

    Old Point Releases First Quarter 2025 Results

  • zacks.com

    The Zacks Analyst Blog T-Mobile, Salesforce, Alibaba and Old Point Financial

  • prnewswire.com

    SHAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Old Point Financial Corporation - OPOF

  • businesswire.com

    OPOF Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Old Point Financial Corporation Is Fair to Shareholders

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend

  • prnewswire.com

    Old Point Releases Fourth Quarter and Full Year 2024 Results

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend

  • prnewswire.com

    OLD POINT ANNOUNCES APPOINTMENT OF CATHY W. LILES AS CHIEF FINANCIAL OFFICER

  • prnewswire.com

    Old Point Releases Third Quarter 2024 Results

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend

  • prnewswire.com

    Old Point Releases Second Quarter 2024 Results

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend

  • prnewswire.com

    Old Point Releases First Quarter 2024 Results

  • prnewswire.com

    Old Point Financial Corporation Announces Quarterly Dividend