Old Point Financial Corporation

OPOF

OPOFOld Point Financial Corporation US flag

NASDAQ Capital Market

42.10

USD

+0.94

- -

214.80MMarket Cap

Income Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Sales/Revenue/Turnover	44	42	42	38	39	40	40	43	47	48	48	54	56	62	62
+ Sales & Services Revenue	44	42	42	38	39	40	40	43	47	48	48	54	56	62	62
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	24	21	23	21	22	22	21	22	23	25	26	26	28	32	32
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-24	-21	-23	-21	-22	-22	-21	-22	-23	-25	-26	-26	-28	-32	-32
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-2	-4	-5	-4	-4	-4	-4	- -	-5	-9	-6	-10	-11	-9	-11
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-2	-4	-5	-4	-4	-4	-4	- -	-5	-9	-6	-10	-11	-9	-11
Pretax Income	2	4	5	4	4	4	4	- -	5	9	6	10	11	9	11
- Income Tax Expense (Benefit)	- -	1	1	- -	- -	- -	- -	- -	- -	1	1	1	1	1	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	3	4	3	4	4	4	- -	5	8	5	8	9	8	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	3	4	3	4	4	4	- -	5	8	5	8	9	8	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	3	4	3	4	4	4	- -	5	8	5	8	9	8	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	3	4	3	4	4	4	- -	5	8	5	8	9	8	10
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
EBITDA Margin (%)	4.45	4.35	4.51	5.15	5.83	6.39	6.76	6.42	5.3	5.3	5.21	4.54	4.31	4.17	4.11
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	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
Depreciation Expense	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted EPS, GAAP	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
Diluted EPS from Cont Ops	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

Balance Sheet (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	16	260	370	185	171	249	223	171	188	232	307	412	245	283	357
+ Cash & Cash Equivalents	16	24	41	30	32	35	24	14	40	86	120	177	19	80	139
+ ST Investments	- -	237	329	156	139	214	199	157	148	146	186	234	226	202	218
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-16	-260	-370	-185	-171	-249	-223	-171	-188	-232	-307	-412	-245	-283	-357
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	30	30	33	41	42	41	39	37	37	35	34	32	31	30	29
+ Property, Plant & Equip	50	52	56	63	66	65	66	66	67	67	68	67	66	67	68
- Accumulated Depreciation	21	22	23	22	24	24	26	29	30	32	34	35	35	37	39
+ LT Investments & Receivables	208	238	330	252	229	214	199	157	148	146	186	234	226	202	218
+ LT Investments	208	238	330	252	229	214	199	157	148	146	186	234	226	202	218
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-238	-268	-363	-293	-272	-255	-239	-194	-185	-181	-220	-266	-257	-232	-247
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	1	2	2	2	2	2	2	2
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	1	2	2	2	2	2	2	2
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-238	-268	-363	-293	-272	-255	-239	-195	-187	-183	-222	-268	-258	-234	-249
Total Assets	887	850	907	864	876	897	903	982	1,038	1,054	1,226	1,338	1,355	1,446	1,451
+ Payables & Accruals	1	1	2	2	3	6	6	4	5	5	5	6	9	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	1	1	2	2	3	6	6	4	5	5	5	6	9	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-1	-1	-2	-2	-3	-6	-6	-4	-5	-5	-5	-6	-9	- -	-2
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-1	-1	-2	-2	-3	-6	-6	-4	-5	-5	-5	-6	-9	- -	-2
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	35	35	25	25	30	25	- -	68	63	39	1	29	76	99	70
+ LT Borrowings	35	35	25	25	30	25	- -	68	63	39	1	29	76	99	70
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-35	-35	-25	-25	-30	-25	- -	-68	-63	-39	-1	-29	-76	-99	-70
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-35	-35	-25	-25	-30	-25	- -	-68	-63	-39	-1	-29	-76	-99	-70
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	806	764	818	784	788	804	809	885	936	945	1,109	1,217	1,257	1,340	1,337
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	41	41	41	41	41	41	41	42	47	47	47	47	41	42	43
+ Common Stock	25	25	25	25	25	25	25	25	26	26	26	26	25	25	25
+ Additional Paid in Capital	16	16	16	16	16	16	16	17	21	21	21	21	17	17	18
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	43	45	48	50	53	55	57	55	58	63	66	72	78	82	88
+ Other Equity	-3	- -	- -	-11	-6	-3	-4	-1	-2	- -	4	2	-21	-18	-17
Equity Before Minority Interest	81	86	89	81	88	93	94	96	102	110	117	121	99	107	114
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	81	86	89	81	88	93	94	96	102	110	117	121	99	107	114
Total Liabilities & Equity	887	850	907	864	876	897	903	982	1,038	1,054	1,226	1,338	1,355	1,446	1,451
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	19	11	-16	-5	-2	-10	-24	53	23	-47	-119	-148	56	19	-68
Net Debt to Equity	23.96	13.39	-17.6	-6	-2.16	-10.28	-25.06	55.16	22.19	-42.77	-101.65	-122.57	57.11	17.61	-59.25
Tangible Common Equity Ratio	9.13	10.11	9.84	9.34	10.1	10.39	10.41	9.76	9.65	10.24	9.41	8.9	7.16	7.26	7.74
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
+ Net Income	2	3	4	3	4	4	4	- -	5	8	5	8	9	8	10
+ Depreciation & Amortization	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
+ Non-Cash Items	6	6	1	4	3	2	3	4	3	1	-1	1	3	3	1
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -
+ Deferred Income Taxes	-2	2	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -
+ Asset Impairment Charge	1	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	7	2	- -	3	2	1	3	4	3	- -	- -	1	2	2	- -
+ Chg in Non-Cash Work Cap	-7	-2	2	-1	1	- -	-1	3	1	1	-16	11	3	-2	2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	1	-1	-1	1	2	-1	- -
+ Inc (Dec) in Other	-7	-2	2	-1	1	- -	-1	3	1	2	-15	10	1	-1	2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	3	9	10	9	10	8	9	9	12	12	-9	23	18	11	15
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	- -	1	1	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	- -	1	1	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-2	-4	-11	-4	-2	-1	-1	- -	-2	-1	-2	-1	-1	-1
+ Acq of Fixed Prod Assets	-1	-2	-4	-11	-4	-2	-1	-1	- -	-2	-1	-2	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-7	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-7	- -	- -
+ Net Change in LT Investment	-32	-26	-91	58	30	18	11	42	8	4	-36	-52	-23	24	-16
+ Dec in LT Investment	222	227	269	103	55	122	163	65	34	107	37	38	49	35	19
+ Inc in LT Investment	-254	-253	-359	-45	-25	-104	-151	-23	-26	-103	-73	-90	-71	-12	-35
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	2	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	-3	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	46	58	50	-31	-35	-31	-34	-139	6	27	-88	-7	-190	-56	68
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	12	30	-45	16	-9	-15	-24	-98	12	29	-122	-61	-213	-32	51
+ Dividends Paid	-1	-1	-1	-1	-1	-2	-2	-2	-2	-2	-3	-3	-3	-3	-3
+ Net Cash From Debt	-30	- -	-10	- -	5	-5	-25	68	-8	-23	-8	1	46	23	-29
+ Cash From Debt	- -	- -	- -	- -	10	20	55	168	140	10	63	29	118	457	104
+ Repayments of Debt	-30	- -	-10	- -	-5	-25	-80	-100	-148	-33	-71	-28	-72	-434	-134
+ Other Financing Activities	-3	-42	64	-34	-3	18	31	12	13	32	172	107	-9	61	26
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-34	-43	53	-35	1	11	4	77	4	6	161	105	27	81	-6
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-19	-4	17	-11	2	4	-11	-11	28	48	31	67	-169	60	59
EBITDA	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
EBITDA Margin (%)	4.45	4.35	4.51	5.15	5.83	6.39	6.76	6.42	5.3	5.3	5.21	4.54	4.31	4.17	4.11
Free Cash Flow	2	7	6	-2	6	6	8	9	12	11	-10	22	16	10	13
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	2	7	6	-2	6	6	8	- -	12	11	-10	22	16	10	13
Free Cash Flow to Equity	-28	7	-4	-2	11	1	-17	76	4	-12	-16	23	63	34	-16
Free Cash Flow per Basic Share	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
Price/Free Cash Flow	11.06	3.19	3.03	2.57	4.29	7.23	10.8	12.46	7.62	8.84	-11.54	4.56	6.81	7.24	8.22
Cash Flow to Net Income	1.83	2.85	2.33	2.69	2.44	2.16	2.28	-325.45	2.47	1.57	-1.6	2.75	1.93	1.42	1.54
Capital Expenditures	-1	-2	-4	-11	-4	-2	-1	-1	- -	-2	-1	-2	-1	-1	-1