Old Point Financial (OPOF) Competitors

HBT Financial (NASDAQ:HBT) and Old Point Financial (NASDAQ:OPOF) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, media sentiment, dividends, earnings and analyst recommendations.

Which has more volatility & risk, HBT or OPOF?

HBT Financial has a beta of 0.63, meaning that its stock price is 37% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of -0.32, meaning that its stock price is 132% less volatile than the S&P 500.

Do insiders & institutionals believe in HBT or OPOF?

78.6% of HBT Financial shares are held by institutional investors. Comparatively, 33.4% of Old Point Financial shares are held by institutional investors. 59.7% of HBT Financial shares are held by company insiders. Comparatively, 21.1% of Old Point Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Is HBT or OPOF more profitable?

HBT Financial has a net margin of 26.22% compared to Old Point Financial's net margin of 10.12%. HBT Financial's return on equity of 14.18% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HBT Financial	26.22%	14.18%	1.54%
Old Point Financial	10.12%	8.20%	0.65%

Which has higher valuation and earnings, HBT or OPOF?

HBT Financial has higher revenue and earnings than Old Point Financial. HBT Financial 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
HBT Financial	$287.27M	2.63	$71.78M	$2.42	9.93
Old Point Financial	$85.82M	2.37	$9.51M	$1.96	20.34

Does the media refer more to HBT or OPOF?

In the previous week, Old Point Financial had 6 more articles in the media than HBT Financial. MarketBeat recorded 6 mentions for Old Point Financial and 0 mentions for HBT Financial. HBT Financial's average media sentiment score of 1.09 beat Old Point Financial's score of 0.69 indicating that HBT Financial is being referred to more favorably in the media.

Company	Overall Sentiment
HBT Financial	Positive
Old Point Financial	Positive

Is HBT or OPOF a better dividend stock?

HBT Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.5%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. HBT Financial pays out 34.7% of its earnings in the form of a dividend. Old Point Financial pays out 28.6% 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. HBT Financial has raised its dividend for 5 consecutive years. HBT Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts prefer HBT or OPOF?

HBT Financial presently has a consensus price target of $28.80, suggesting a potential upside of 19.85%. Given HBT Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe HBT Financial is more favorable than Old Point Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HBT Financial	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60
Old Point Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

HBT Financial beats Old Point Financial on 16 of the 19 factors compared between the two stocks.