Old Point Financial (OPOF) Competitors

Old Point Financial (NASDAQ:OPOF) and First Mid Bancshares (NASDAQ:FMBH) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, earnings, dividends, analyst recommendations, community ranking, risk, profitability, media sentiment and institutional ownership.

Do analysts recommend OPOF or FMBH?

First Mid Bancshares has a consensus price target of $45.00, suggesting a potential upside of 30.66%. Given First Mid Bancshares' stronger consensus rating and higher probable upside, analysts clearly believe First Mid Bancshares is more favorable than Old Point Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
First Mid Bancshares	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40

Does the MarketBeat Community favor OPOF or FMBH?

First Mid Bancshares received 20 more outperform votes than Old Point Financial when rated by MarketBeat users. Likewise, 52.04% of users gave First Mid Bancshares an outperform vote while only 49.42% of users gave Old Point Financial an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 171 49.42%	Underperform Votes 175 50.58%
First Mid Bancshares	Outperform Votes 191 52.04%	Underperform Votes 176 47.96%

Which has more volatility and risk, OPOF or FMBH?

Old Point Financial has a beta of -0.22, indicating that its stock price is 122% less volatile than the S&P 500. Comparatively, First Mid Bancshares has a beta of 0.85, indicating that its stock price is 15% less volatile than the S&P 500.

Does the media favor OPOF or FMBH?

In the previous week, First Mid Bancshares had 1 more articles in the media than Old Point Financial. MarketBeat recorded 6 mentions for First Mid Bancshares and 5 mentions for Old Point Financial. First Mid Bancshares' average media sentiment score of 1.21 beat Old Point Financial's score of 0.45 indicating that First Mid Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Old Point Financial	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
First Mid Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is OPOF or FMBH a better dividend stock?

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. First Mid Bancshares pays an annual dividend of $0.96 per share and has a dividend yield of 2.8%. Old Point Financial pays out 29.8% of its earnings in the form of a dividend. First Mid Bancshares pays out 29.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Mid Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has better earnings and valuation, OPOF or FMBH?

First Mid Bancshares has higher revenue and earnings than Old Point Financial. First Mid Bancshares is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$61.63M	3.20	$9.51M	$1.88	20.55
First Mid Bancshares	$318.63M	2.59	$78.90M	$3.29	10.47

Do institutionals and insiders hold more shares of OPOF or FMBH?

33.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are owned by institutional investors. 21.1% of Old Point Financial shares are owned by company insiders. Comparatively, 7.7% of First Mid Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Is OPOF or FMBH more profitable?

First Mid Bancshares has a net margin of 17.39% compared to Old Point Financial's net margin of 11.08%. First Mid Bancshares' return on equity of 10.10% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	11.08%	8.56%	0.66%
First Mid Bancshares	17.39%	10.10%	1.09%

Summary

First Mid Bancshares beats Old Point Financial on 17 of the 20 factors compared between the two stocks.