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

Company Overview

Old Point Financial Corporation (NASDAQ: OPOF) is a Virginia-based bank holding company whose primary subsidiary, Old Point National Bank, provides a broad range of financial services to individuals, businesses and institutional clients. The company’s core activities include traditional deposit taking, commercial and consumer lending, mortgage origination, and cash management services. Through its network of branches across the Hampton Roads region, Old Point Financial delivers in-branch and digital banking solutions, enabling customers to manage checking and savings accounts, electronic payments, and online loan applications.

In addition to core banking products, Old Point Financial has developed a suite of wealth management and trust services. These offerings encompass investment advisory, fiduciary administration, estate planning and retirement planning. The company’s trust department works with high-net-worth individuals and corporate entities to provide customized portfolio management and trust administration, while its brokerage services support clients seeking access to equity, fixed-income and alternative investment vehicles.

Founded in 1886, Old Point National Bank has a long history of community engagement and support for regional economic development. Over the decades, the company has expanded its footprint through strategic branch additions and technology investments designed to enhance customer convenience and financial inclusion. Its commitment to local markets is reflected in partnerships with small businesses, nonprofit organizations and government agencies throughout southeastern Virginia.

Governed by a seasoned executive leadership team and board of directors, Old Point Financial maintains a focus on risk management, compliance and prudent growth. The company emphasizes community banking principles, blending personalized service with evolving digital capabilities to meet the changing needs of its clientele. Headquartered in Newport News, Virginia, Old Point Financial continues to serve a diverse customer base across its branch network and digital platforms.

Key Stats

• Today's Range: $40.45 to $40.55
• 50-Day Range: $38.86 to $40.90
• 52-Week Range: $14.88 to $41.33
• Volume: 1,340 shs
• Average Volume: 14,253 shs
• Market Capitalization: $207.21 million
• P/E Ratio: 20.69
• Dividend Yield: 1.38%
• Price Target: N/A
• Consensus Rating: N/A

Old Point Financial Stock Analysis - MarketRank™

Old Point Financial scored higher than 27% of companies evaluated by MarketBeat, and ranked 804th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Old Point Financial.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Old Point Financial is 20.69, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Old Point Financial is 20.69, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.03.

Price to Book Value per Share Ratio

Old Point Financial has a P/B Ratio of 1.81. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.48% of the float of Old Point Financial has been sold short.

Short Interest Ratio / Days to Cover

Old Point Financial has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Point Financial has recently increased by 22.22%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Old Point Financial pays a meaningful dividend of 1.38%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Old Point Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Old Point Financial is 28.57%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.48% of the float of Old Point Financial has been sold short.

Short Interest Ratio / Days to Cover

Old Point Financial has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Old Point Financial has recently increased by 22.22%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.41

News Sentiment

Old Point Financial has a news sentiment score of 0.41. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Old Point Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Old Point Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

21.11% of the stock of Old Point Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 33.43% of the stock of Old Point Financial is held by institutions.

OPOF Stock Analysis - Frequently Asked Questions

How have OPOF shares performed this year?

Old Point Financial's stock was trading at $26.06 at the start of the year. Since then, OPOF shares have increased by 55.6% and is now trading at $40.55.

How were Old Point Financial's earnings last quarter?

Old Point Financial Corporation (NASDAQ:OPOF) released its quarterly earnings data on Wednesday, April, 30th. The bank reported $0.39 EPS for the quarter. The bank had revenue of $15.86 million for the quarter. Old Point Financial had a net margin of 11.52% and a trailing twelve-month return on equity of 8.58%.

How do I buy shares of Old Point Financial?

Shares of OPOF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Old Point Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Old Point Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), Meta Platforms (META), e.l.f. Beauty (ELF), Jabil (JBL) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/30 Dividend: 6/09/2025
• Ex-Dividend for 6/30 Dividend: 6/09/2025
• Dividend Payable: 6/30/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

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: N/A

Profitability

• EPS (Trailing Twelve Months): $1.96
• Trailing P/E Ratio: 20.69
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.51 million
• Net Margins: 11.52%
• Pretax Margin: 14.03%
• Return on Equity: 8.58%
• Return on Assets: 0.68%

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: 2.41
• Cash Flow: $2.50 per share
• Price / Cash Flow: 16.19
• Book Value: $22.44 per share
• Price / Book: 1.81

Miscellaneous

• Outstanding Shares: 5,110,000
• Free Float: 4,027,000
• Market Cap: $207.21 million
• Optionable: Not Optionable
• Beta: -0.31