Old Point Financial (OPOF) Competitors

Amerant Bancorp (NYSE:AMTB) and Old Point Financial (NASDAQ:OPOF) are both small-cap banking companies, but which is the better stock? We will compare the two companies based on the strength of their risk, media sentiment, dividends, institutional ownership, earnings, analyst recommendations, profitability and valuation.

Which has stronger earnings & valuation, AMTB or OPOF?

Old Point Financial has lower revenue, but higher earnings than Amerant Bancorp. Amerant Bancorp 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
Amerant Bancorp	$330.31M	2.69	-$15.75M	-$0.20	-106.40
Old Point Financial	$85.82M	2.48	$9.51M	$1.70	24.54

Is AMTB or OPOF more profitable?

Old Point Financial has a net margin of 10.12% compared to Amerant Bancorp's net margin of 0.60%. Old Point Financial's return on equity of 8.16% beat Amerant Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Amerant Bancorp	0.60%	7.12%	0.63%
Old Point Financial	10.12%	8.16%	0.66%

Is AMTB or OPOF a better dividend stock?

Amerant Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.7%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.3%. Amerant Bancorp pays out -180.0% of its earnings in the form of a dividend. Old Point Financial pays out 32.9% 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. Amerant Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media refer more to AMTB or OPOF?

In the previous week, Old Point Financial had 1 more articles in the media than Amerant Bancorp. MarketBeat recorded 1 mentions for Old Point Financial and 0 mentions for Amerant Bancorp. Amerant Bancorp's average media sentiment score of 0.00 equaled Old Point Financial'saverage media sentiment score.

Company	Overall Sentiment
Amerant Bancorp	Neutral
Old Point Financial	Neutral

Which has more risk and volatility, AMTB or OPOF?

Amerant Bancorp has a beta of 1.37, indicating that its stock price is 37% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of -0.32, indicating that its stock price is 132% less volatile than the S&P 500.

Do insiders and institutionals believe in AMTB or OPOF?

42.1% of Amerant Bancorp shares are held by institutional investors. Comparatively, 33.4% of Old Point Financial shares are held by institutional investors. 5.4% of Amerant Bancorp shares are held by insiders. Comparatively, 21.1% of Old Point Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Old Point Financial beats Amerant Bancorp on 8 of the 14 factors compared between the two stocks.