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Old Point Financial Corporation (NASDAQ:OPOF)
-- USD
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| Previous Close (in USD) | -- |
|---|---|
| Change | 0.000 0.000% |
| 52 W H/L (in USD) | 40.100/13.452 |
| EBITDA (in USD) | -- |
| PE Ratio | 20.26 |
| Volume | -- |
| Diluted Eps TTM | 1.96 |
| Total Assets (in USD) | 1450.57M |
|---|---|
| Total Liabilities (in USD) | 1336.6M |
| Revenue TTM (in USD) | 61.37M |
| Cash (in USD) | 139.336M |
| Market Cap (in USD) | 202.721 M |
| Revenue Per Share TTM | 12.086 |
| Gross Profit TTM (in USD) | 61.37M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Old Point Financial Corporation
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides loans, such as real estate construction, commercial, and mortgage loans that include residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans that are secured by collateral, such as inventory, accounts receivable, equipment, or other personal property. In addition, the company offers insurance products; retirement, estate, and financial planning services; estate and trust administration; retirement plan administration; tax and investment management services; insurance products; wealth management; and cash management services. It serves businesses, individuals, and commercial customers. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.
Employees: 260
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Robert F. Shuford Jr. | Chairman, CEO & Pres | 1965 |
| 2. | Ms. Elizabeth T. Beale | Sr. VP of Fin. & CFO | 1973 |
| 3. | Ms. Susan R. Ralston | Chief Operating Officer | 1964 |
| 4. | Mr. Joseph R. Witt | Exec. VP of Financial Services, Chief Strategy Officer & Director | 1961 |
| 5. | Mr. Thomas L. Hotchkiss | Chief Credit Officer & Exec. VP | 1955 |
| 6. | Mr. Eugene M. Jordan II | Gen. Counsel, Sec. to the Board & Exec. VP of Corp. Counsel | 1955 |
| 7. | Laura Wright | VP & Marketing Director | NA |
| 8. | Mr. Donald S. Buckless | Chief Lending Officer & Sr. VP | 1965 |
| 9. | Ms. Cheryl Roane | Sr. VP | NA |
| 10. | Mr. A. Eric Kauders Jr. | Pres & CEO of Old Point Wealth Management | 1970 |
Peers
Sector: Financial Services
Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
HDB
HDFC Bank Limited ADR |
+0.570 2.358% | 24.52 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
+0.290 0.921% | 31.845 | 7.780 | 7.645 | 0.562 | 0.901 | 3.617 | 0.000 |
|
DBSDF
DBS Group Holdings Ltd |
+1.560 3.192% | 51.17 | 15.290 | 14.409 | 5.843 | 2.364 | 10.400 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
0.000 0.000% | 6.08 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 10.582M | 9.736M | 5.91M | 8.94M | 5.198M |
| Minority Interest | - | - | - | - | - |
| Net Income | 9.108M | 8.44M | 5.389M | 7.86M | 4.919M |
| Selling General Administrative | 28.046M | 26.08M | 26.17M | 24.815M | 24.03M |
| Gross Profit | 51.989M | 50.05M | 45.129M | 45.243M | 44.072M |
| Reconciled Depreciation | 2.423M | 2.438M | 2.525M | 2.539M | 2.469M |
| Ebit | 11.764M | 9.736M | 5.91M | 8.94M | 10.167M |
| Ebitda | 14.187M | 12.174M | 8.435M | 11.479M | 12.636M |
| Depreciation And Amortization | 2.423M | 2.438M | 2.525M | 2.539M | 2.469M |
| Operating Income | 11.764M | 9.736M | 5.91M | 8.94M | 10.167M |
| Other Operating Expenses | 47.313M | 43.943M | 42.588M | 38.956M | 35.985M |
| Interest Expense | 3.605M | 3.458M | 5.292M | 6.422M | 4.969M |
| Tax Provision | 1.474M | 1.296M | 0.521M | 1.08M | 0.279M |
| Interest Income | 47.956M | 42.182M | 39.875M | 40.02M | 37.966M |
| Net Interest Income | 44.351M | 38.724M | 34.583M | 33.598M | 32.997M |
| Income Tax Expense | 1.474M | 1.296M | 0.521M | 1.08M | 0.279M |
| Total Revenue | 55.718M | 53.679M | 48.498M | 47.896M | 46.559M |
| Total Operating Expenses | 43.584M | -43.943M | -42.588M | -38.956M | -35.985M |
| Cost Of Revenue | 3.729M | 3.629M | 3.369M | 2.653M | 2.487M |
| Total Other Income Expense Net | -1.182M | 9.378M | 5.691M | 8.705M | -4.969M |
| Net Income From Continuing Ops | 9.108M | 8.44M | 5.389M | 7.86M | 4.919M |
| Net Income Applicable To Common Shares | 9.108M | 8.44M | 5.389M | 7.86M | 4.919M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 |
|---|---|---|---|---|---|
| Total Assets | 1450.57M | 1447.268M | 1355.335M | 1337.885M | 1226.191M |
| Intangible Assets | 0.143M | 0.187M | 0.231M | 0.275M | 0.319M |
| Other Current Assets | - | 82.603M | 1.408M | 657.957M | 697.359M |
| Total Liab | 1336.6M | 1340.49M | 1256.601M | 29.407M | 1.35M |
| Total Stockholder Equity | 113.97M | 106.778M | 98.734M | 120.818M | 117.145M |
| Other Current Liab | 7.92M | 532.105M | - | - | 1067.236M |
| Common Stock | 25.062M | 24.932M | 24.761M | 26.006M | 25.972M |
| Capital Stock | 25.062M | 24.932M | 24.761M | 26.006M | 25.972M |
| Retained Earnings | 88.492M | 82.277M | 78.147M | 71.679M | 65.859M |
| Good Will | 1.65M | 1.65M | 1.65M | 1.65M | 1.65M |
| Other Assets | 1279.535M | - | 852.16M | 657.957M | 697.359M |
| Cash | 139.336M | 78.27M | 19.25M | 177.227M | 120.432M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 7.92M | 604.361M | 11.378M | 1187.18M | 1079.146M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | -67.532M | 24.479M | 56.388M | -147.82M | -119.082M |
| Short Term Debt | - | 72.256M | 11.378M | - | - |
| Short Long Term Debt | 2.005M | - | - | - | - |
| Short Long Term Debt Total | 71.804M | 102.749M | 75.638M | 29.407M | 1.35M |
| Other Stockholder Equity | 17.548M | 17.099M | 16.593M | 21.458M | 21.245M |
| Property Plant Equipment | - | - | 31.008M | 32.134M | 33.613M |
| Total Current Assets | 140.044M | 82.603M | 244.768M | 411.548M | 306.841M |
| Long Term Investments | 218.083M | 204.278M | 225.518M | 234.321M | 186.409M |
| Short Term Investments | 0.708M | 204.278M | 225.518M | 234.321M | 186.409M |
| Net Receivables | - | - | - | - | - |
| Long Term Debt | 69.799M | 99.118M | 75.638M | 29.407M | 1.35M |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | - | 1156.019M | 1177.099M | 1067.236M |
| Accumulated Other Comprehensive Income | -17.132M | -17.53M | -20.767M | 1.675M | 4.069M |
| Non Currrent Assets Other | 1279.535M | 1252.327M | -258.407M | -268.38M | -221.991M |
| Non Current Assets Total | 30.991M | 1364.665M | 258.407M | 268.38M | 221.991M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | - | - | - | - | 29.9M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -213.44M | -60.731M | -35.807M | 4.372M | 13.155M |
| Total Cashflows From Investing Activities | - | -60.731M | -122.241M | 29.131M | 12.027M |
| Total Cash From Financing Activities | 27.203M | 105.04M | 161.448M | 6.147M | 3.624M |
| Net Income | 9.108M | 8.44M | 5.389M | 7.86M | 4.919M |
| Change In Cash | -168.672M | 67.485M | 30.572M | 47.648M | 27.805M |
| Begin Period Cash Flow | 187.922M | 120.437M | 89.865M | 42.217M | 14.412M |
| End Period Cash Flow | 19.25M | 187.922M | 120.437M | 89.865M | 42.217M |
| Total Cash From Operating Activities | 17.565M | 23.176M | -8.635M | 12.37M | 12.154M |
| Depreciation | 2.423M | 2.438M | 2.525M | 2.539M | 2.469M |
| Other Cashflows From Investing Activities | - | 0.333M | 1.875M | 26.541M | -0.65M |
| Dividends Paid | 2.64M | 2.62M | 2.505M | 2.496M | 2.262M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -6.655M | -0.15M | 0.096M | 0.085M | -0.087M |
| Other Cashflows From Financing Activities | 108.978M | 135.88M | 234.918M | 41.643M | 153.886M |
| Capital Expenditures | 1.354M | 1.514M | 0.924M | 1.782M | 0.478M |
| Change In Working Capital | 3.347M | 10.902M | -15.644M | 1.231M | 1.37M |
| Other Non Cash Items | 2.322M | 0.827M | -0.532M | 0.164M | 3.4M |
| Free Cash Flow | 16.211M | 21.662M | -9.559M | 10.588M | 11.676M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Institutional Extnd Mkt Idx Tr | 1 year ago | 54314 |
| 2. | Fidelity Extended Market Index | 1 year ago | 24364 |
| 3. | EA Bridgeway Omni Small-Cap Value ETF | 1 year ago | 19654 |
| 4. | Extended Equity Market Fund K | 1 year ago | 9107 |
| 5. | Auer Growth | 1 year ago | 9000 |
| 6. | Fidelity Total Market Index | 1 year ago | 8518 |
| 7. | iShares Micro-Cap ETF | 1 year ago | 7510 |
| 8. | DFA US Core Equity 2 I | 1 year ago | 6443 |
| 9. | Fidelity Series Total Market Index | 1 year ago | 6018 |
| 10. | Spartan Extended Market Index Pool F | 1 year ago | 5123 |
| 11. | NT Ext Equity Mkt Idx Fd - NL | 1 year ago | 3718 |
| 12. | NT Ext Equity Mkt Idx Fd - L | 1 year ago | 3619 |
| 13. | Northern Trust Extended Eq Market Idx | 1 year ago | 3619 |
| 14. | Dimensional US Core Equity 2 ETF | 1 year ago | 3309 |
| 15. | Fidelity Nasdaq Composite Index | 1 year ago | 2955 |
| 16. | DFA US Vector Equity I | 1 year ago | 2926 |
| 17. | NT Ext Equity Mkt Idx Fd - DC - NL - T2 | 1 year ago | 2894 |
| 18. | Spartan Total Market Index Pool G | 1 year ago | 1965 |
| 19. | Dimensional Global Trgtd Value USD Acc | 1 year ago | 1884 |
| 20. | DFA US Targeted Value I | 1 year ago | 1868 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | PL Capital Advisors, LLC | 1 year ago | 720861 |
| 2. | Fourthstone LLC | 1 year ago | 319682 |
| 3. | OLD POINT TRUST & FINANCIAL SERVICES N A | 1 year ago | 252042 |
| 4. | Vanguard Group Inc | 1 year ago | 55754 |
| 5. | Geode Capital Management, LLC | 1 year ago | 45092 |
| 6. | Renaissance Technologies Corp | 1 year ago | 32829 |
| 7. | PBMares Wealth Management LLC | 1 year ago | 30079 |
| 8. | BlackRock Inc | 1 year ago | 23025 |
| 9. | Dimensional Fund Advisors, Inc. | 1 year ago | 21868 |
| 10. | Bridgeway Capital Management, LLC | 1 year ago | 19618 |
| 11. | Empowered Funds, LLC | 1 year ago | 18792 |
| 12. | Northern Trust Corp | 1 year ago | 17440 |
| 13. | State Street Corp | 1 year ago | 12260 |
| 14. | Goldman Sachs Group Inc | 1 year ago | 11327 |
| 15. | Morgan Stanley - Brokerage Accounts | 1 year ago | 10610 |
| 16. | Susquehanna International Group, LLP | 1 year ago | 9415 |
| 17. | UBS Group AG | 1 year ago | 7753 |
| 18. | Eastern Bank | 1 year ago | 2949 |
| 19. | WealthTrak Capital Management LLC | 1 year ago | 1800 |
| 20. | PNC Financial Services Group Inc | 1 year ago | 1041 |
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