Old Point Financial (OPOF) Stock Price, News & Analysis

Company Overview

Old Point Financial Corporation is a bank holding company headquartered in Hampton, Virginia, serving as the parent of Old Point National Bank. Through its subsidiary, the company offers a comprehensive suite of commercial and consumer banking products and services, including checking and savings accounts, business loans, commercial real estate financing, and treasury management solutions tailored to both small businesses and larger corporate clients.

Rooted in community banking traditions dating back to the early 19th century, Old Point National Bank provides a full range of digital and in-person delivery channels. Customers can access online and mobile banking platforms, remote deposit capture, and ATM services, in addition to visiting branch locations across the Virginia Peninsula and the greater Hampton Roads area. The bank’s network of offices and electronic banking services is designed to support personal and business customers with flexible and convenient financial solutions.

In addition to core banking activities, Old Point Financial offers trust and wealth management services through its dedicated trust department. These offerings include investment advisory, retirement planning, estate administration, and fiduciary services, allowing clients to pursue long-term financial goals under the guidance of experienced professionals.

Governed by a board of directors with deep ties to southeastern Virginia and led by a management team of seasoned banking executives, Old Point Financial maintains a focus on community engagement and customer-centric service. The company’s longstanding heritage and regional expertise underpin its commitment to fostering economic growth and delivering personalized financial support throughout its market area.

Key Stats

• Today's Range: $42.10 to $42.10
• 50-Day Range: $39.87 to $42.10
• 52-Week Range: $37.91 to $42.68
• Volume: N/A
• Average Volume: 26,069 shs
• Market Capitalization: $214.71 million
• P/E Ratio: 24.76
• Dividend Yield: 1.33%
• Price Target: N/A
• Consensus Rating: N/A

Company Calendar

• Last Earnings: 7/30/2025
• Today: 5/24/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OPOF
• CIK: 740971
• Web: www.oldpoint.com
• Phone: (757) 728-1200
• Fax: 757-728-1279
• Employees: 280
• Year Founded: 1923

Profitability

• EPS (Trailing Twelve Months): $1.70
• Trailing P/E Ratio: 24.76
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.51 million
• Net Margins: 10.12%
• Pretax Margin: 12.51%
• Return on Equity: 8.16%
• Return on Assets: 0.66%

Debt

• Debt-to-Equity Ratio: 0.34
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $85.82 million
• Price / Sales: 2.50
• Cash Flow: $2.50 per share
• Price / Cash Flow: 16.84
• Book Value: $23.15 per share
• Price / Book: 1.82

Miscellaneous

• Outstanding Shares: 5,100,000
• Free Float: 4,025,000
• Market Cap: $214.71 million
• Optionable: Not Optionable
• Beta: -0.31