Old Point Financial Corporation Financial Ratios — OPOF

Profitability (USD)

	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
Return on Common Equity (%)	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
Return on Assets (%)	0.17	0.38	0.48	0.36	0.47	0.41	0.42	- -	0.49	0.75	0.47	0.66	0.68	0.55	0.66
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.89	10.43	12.41	9.26	11.03	9.27	9.81	-0.3	11.16	18.67	12.19	18.14	18.81	14.65	18.51
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
Net Income to Common 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
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	79.64	30.12	23.67	34.52	31.32	46.4	52.23	-7,579.31	45.98	31.76	46.48	31.04	28.99	36.44	29.85
Sustainable Growth Rate (%)	0.47	3.35	4.47	2.79	3.69	2.47	2.24	-2.76	3.25	6.22	3.19	6.14	6.45	4.68	6.04

Credit (USD)

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	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 Debt	35	35	25	25	30	25	- -	68	63	39	1	29	76	99	72
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
LT Debt	35	35	25	25	30	25	- -	68	63	39	1	29	76	99	70
Total Debt/EBITDA	18.06	19.27	13.27	12.81	13.18	9.83	- -	24.62	25.33	15.34	0.53	12.06	31.22	38.45	28.34
Net Debt/EBITDA	10.01	6.33	-8.34	-2.48	-0.84	-3.77	-8.64	19.39	9.17	-18.49	-47.16	-60.74	23.27	7.29	-26.65
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.61	8.23	8.06	8.7	8.9	8.91	9.06	8.13	8.04	8.43	7.49	7.3	7.59	7.41	7.83
Long-Term Debt/Equity (%)	43.24	40.76	28	30.96	33.9	26.83	- -	70.03	61.32	35.49	1.15	24.34	76.61	92.83	61.24
Long-Term Debt/Capital (%)	34.15	33.36	25.48	24.96	27.78	23.82	- -	45.82	42.84	30.47	1.45	23.14	42.36	48.04	37.66
Long-Term Debt/Total Assets (%)	3.95	4.12	2.75	2.89	3.42	2.79	- -	6.87	6.02	3.69	0.11	2.2	5.58	6.85	4.81
Total Debt/Equity (%)	43.24	40.76	28	30.96	33.9	26.83	- -	70.03	61.32	35.49	1.15	24.34	76.61	92.83	63
Total Debt/Capital (%)	34.15	33.36	25.48	24.96	27.78	23.82	- -	45.82	42.84	30.47	1.45	23.14	42.36	48.04	38.74
Total Debt/Total Assets (%)	3.95	4.12	2.75	2.89	3.42	2.79	- -	6.87	6.02	3.69	0.11	2.2	5.58	6.85	4.95
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
Net Debt/Capital (%)	22.32	14.13	-27.38	-6.89	-2.52	-13.61	-40.45	39.98	21.33	-111.93	436.98	293.8	35.4	14.92	-146.74
EBITDA	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
EBITDA-CapEx	1	-1	-2	-9	-2	1	2	2	2	1	2	1	1	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.61	8.23	8.06	8.7	8.9	8.91	9.06	8.13	8.04	8.43	7.49	7.3	7.59	7.41	7.83
Long-Term Debt/Equity (%)	43.24	40.76	28	30.96	33.9	26.83	- -	70.03	61.32	35.49	1.15	24.34	76.61	92.83	61.24
Long-Term Debt/Capital (%)	34.15	33.36	25.48	24.96	27.78	23.82	- -	45.82	42.84	30.47	1.45	23.14	42.36	48.04	37.66
Long-Term Debt/Total Assets (%)	3.95	4.12	2.75	2.89	3.42	2.79	- -	6.87	6.02	3.69	0.11	2.2	5.58	6.85	4.81
Total Debt/Equity (%)	43.24	40.76	28	30.96	33.9	26.83	- -	70.03	61.32	35.49	1.15	24.34	76.61	92.83	63
Total Debt/Capital (%)	34.15	33.36	25.48	24.96	27.78	23.82	- -	45.82	42.84	30.47	1.45	23.14	42.36	48.04	38.74
Total Debt/Total Assets (%)	3.95	4.12	2.75	2.89	3.42	2.79	- -	6.87	6.02	3.69	0.11	2.2	5.58	6.85	4.95
CFO/Total Liabilities	0.35	1.23	1.19	1.09	1.27	0.97	1.07	1.07	1.3	1.31	-0.78	1.9	1.4	0.82	1.1
CFO/CapEx	2.44	3.81	2.36	0.78	2.64	4.46	9.71	15.25	25.43	6.94	-9.35	15.31	12.97	10.44	10.38
Altman's Z-Score	0.15	0.15	0.15	0.16	0.17	0.18	0.21	0.21	0.18	0.21	0.16	0.17	0.18	0.16	0.19

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	44	38	42	50	59	69	103	125	96	125	89	113	129	87	132
- Cash & Cash Equivalents	16	24	41	30	32	35	24	14	40	86	120	177	19	80	139
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	35	35	25	25	30	25	- -	68	63	39	1	29	76	99	72
Enterprise Value	64	-187	-303	-111	-82	-154	-120	21	-29	-68	-217	-270	-40	-96	-154
Total Capital	102	105	98	100	108	105	82	147	146	128	93	127	179	206	185
Total Debt/Capital (%)	34.15	33.36	25.48	24.96	27.78	23.82	- -	45.82	42.84	30.47	1.45	23.14	42.36	48.04	38.74
Total Debt / EV	0.55	-0.19	-0.08	-0.23	-0.37	-0.16	- -	3.17	-2.13	-0.58	-0.01	-0.11	-1.87	-1.03	-0.47
EV/Sales	1.46	- -	- -	- -	- -	- -	- -	0.5	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	32.77	- -	- -	- -	- -	- -	- -	7.78	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	22.42	- -	- -	- -	- -	- -	- -	2.26	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	15.91	- -	- -	- -	- -	- -	- -	2.12	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	44	38	42	50	59	69	103	125	96	125	89	113	129	87	132
Diluted Enterprise Value	64	49	26	45	57	60	80	178	119	78	-30	-35	185	106	64
EV per Share	12.89	- -	- -	- -	- -	- -	- -	4.27	- -	- -	- -	- -	- -	- -	- -
TTM Sales	44	42	42	38	39	40	40	43	47	48	48	54	56	62	62
TTM EBITDA	2	2	2	2	2	3	3	3	2	3	3	2	2	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	9	10	9	10	8	9	9	12	12	-9	23	18	11	15
TTM Free Cash Flow to Firm	4	12	14	19	14	10	10	10	13	14	-8	25	19	12	16

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	64	-187	-303	-111	-82	-154	-120	21	-29	-68	-217	-270	-40	-96	-154
Low Price	10.4	9	9.2	10.91	12.81	14.71	17.38	24.4	19	19.8	10.86	17.83	21	14	13.49
EV/Sales	1.46	- -	- -	- -	- -	- -	- -	0.5	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	32.77	- -	- -	- -	- -	- -	- -	7.78	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	28.51	11.5	10.08	15.76	14.41	19.08	27.14	- -	19.58	15.91	16.51	13.34	14.14	11.29	13.88
Price/Earnings Average	29.87	12.34	9.65	15.47	14.51	17.26	21.3	-4,350.63	24.04	13.36	15.47	12.44	12.93	12.17	9.34
Price/Earnings High	54.89	19.57	13.8	23.09	21.69	25.93	33.96	-5,992.71	32.92	19.87	27.82	16.3	16.18	18.67	14.92
Price/Earnings Low	33.13	13.55	10.9	17.1	15.43	20.07	22.7	-4,199.37	19.86	13.09	10.51	11.07	11.69	9.1	7.19
Price/Book Value	0.65	0.54	0.58	0.66	0.76	0.87	1.26	1.57	1.15	1.41	0.97	1.15	1.25	0.81	1.16
Price/Book Value Average	0.68	0.58	0.55	0.65	0.77	0.78	0.99	1.58	1.42	1.18	0.91	1.07	1.14	0.88	0.78
Price/Book Value High	1.26	0.92	0.79	0.97	1.14	1.18	1.58	2.18	1.94	1.76	1.63	1.41	1.43	1.35	1.25
Price/Book Value Low	0.76	0.64	0.62	0.72	0.81	0.91	1.05	1.53	1.17	1.16	0.62	0.96	1.03	0.66	0.6
Price/Tangible Book Value	0.54	0.44	0.47	0.62	0.67	0.74	1.1	1.31	0.96	1.16	0.77	0.95	1.33	0.83	1.18
Price/Tangible Book Value Average	0.57	0.47	0.45	0.61	0.67	0.67	0.86	1.32	1.18	0.97	0.72	0.88	1.22	0.9	0.79
Price/Tangible Book Value High	1.05	0.75	0.65	0.9	1.01	1.01	1.37	1.81	1.62	1.45	1.3	1.16	1.52	1.38	1.26
Price/Tangible Book Value Low	0.63	0.52	0.51	0.67	0.72	0.78	0.92	1.27	0.98	0.96	0.49	0.79	1.1	0.67	0.61
Price/Sales	1.01	0.91	1.01	1.31	1.52	1.74	2.56	2.94	2.07	2.61	1.83	2.1	2.29	1.41	2.14
Price/Sales Average	1.06	0.97	0.97	1.29	1.53	1.58	2.01	2.96	2.54	2.19	1.72	1.96	2.09	1.52	1.44
Price/Sales High	1.95	1.54	1.38	1.93	2.28	2.37	3.2	4.07	3.48	3.26	3.09	2.56	2.62	2.33	2.3
Price/Sales Low	1.18	1.07	1.09	1.43	1.63	1.83	2.14	2.85	2.1	2.15	1.17	1.74	1.89	1.14	1.11
Price/Cash Flow	15.57	4.03	4.32	5.85	5.91	8.85	11.91	13.27	7.92	10.11	-10.31	4.86	7.33	7.94	9.01
Price/Cash Flow Average	16.31	4.32	4.13	5.75	5.95	8.01	9.35	13.37	9.73	8.49	-9.66	4.53	6.7	8.56	6.06
Price/Cash Flow High	29.97	6.85	5.91	8.58	8.9	12.03	14.9	18.41	13.33	12.62	-17.36	5.94	8.39	13.12	9.68
Price/Cash Flow Low	18.09	4.75	4.67	6.35	6.33	9.31	9.96	12.9	8.04	8.32	-6.56	4.03	6.06	6.4	4.67
Price/Free Cash Flow Average	11.58	3.43	2.9	2.52	4.31	6.54	8.48	12.55	9.36	7.42	-10.81	4.25	6.22	7.81	5.53
Price/Free Cash Flow High	21.29	5.43	4.15	3.77	6.45	9.83	13.51	17.28	12.82	11.03	-19.44	5.57	7.79	11.98	8.83
Price/Free Cash Flow Low	12.85	3.76	3.28	2.79	4.59	7.61	9.03	12.11	7.73	7.27	-7.35	3.78	5.63	5.84	4.26
EV/Sales Average	1.51	1.25	0.59	1.16	1.48	1.34	1.42	4.2	3.03	1.21	- -	- -	3.1	1.83	0.34
EV/Sales High	2.4	1.82	1.01	1.8	2.23	2.13	2.61	5.32	3.96	2.28	0.64	- -	3.62	2.64	1.21
EV/Sales Low	1.62	1.34	0.72	1.3	1.58	1.59	1.55	4.1	2.58	1.17	- -	- -	2.9	1.44	0.01
EV/EBITDA Average	33.85	28.7	13.11	22.59	25.38	20.9	21.04	65.4	57.07	22.87	-14.14	-17.69	71.87	43.8	8.39
EV/EBITDA High	53.82	41.78	22.32	34.94	38.36	33.28	38.67	82.77	74.76	43.02	12.21	-4.32	84.09	63.27	29.31
EV/EBITDA Low	36.45	30.87	15.88	25.23	27.06	24.92	22.99	63.81	48.73	22.04	-24.73	-22.43	67.22	34.58	0.31
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.95	7.64	8.51	10.05	11.96	13.98	20.78	25.1	18.73	24.06	17.06	21.5	25.39	17.37	26.06
High Price	17.23	13	11.65	14.73	18	19	26	34.82	31.5	30.05	28.74	26.26	29.06	28.72	28
Enterprise Value Average	66	52	25	44	58	53	57	179	141	58	-36	-43	174	113	21
Enterprise Value High	104	76	42	68	87	85	105	227	185	109	31	-11	204	163	74
Enterprise Value Low	71	56	30	49	62	63	63	175	120	56	-62	-55	163	89	1

	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
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Revenue per Share	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
EBITDA per Share	0.39	0.37	0.38	0.39	0.46	0.51	0.55	0.55	0.48	0.49	0.48	0.47	0.48	0.51	0.5
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	0.57	1.9	1.97	1.72	2.02	1.58	1.74	1.89	2.36	2.38	-1.66	4.42	3.46	2.19	2.89
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
Cash & Equivalents per Share	3.17	52.52	74.65	37.4	34.54	50.17	44.95	34.35	36.6	44.57	58.82	78.62	48.27	56.23	70.57
Book Value per Share	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
Tangible Book Value per Share	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

Old Point Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)