NASDAQ:OPOF

Old Point Financial Competitors

$21.40

-0.80 (-3.60 %)

(As of 04/16/2021 04:00 PM ET)

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Today's Range

$20.91

Now: $21.40▼

$22.24

50-Day Range

$19.20

MA: $22.63▼

$24.45

52-Week Range

$13.41

Now: $21.40▼

$24.74

Volume7,495 shs

Average Volume3,787 shs

Market Capitalization$111.82 million

P/E Ratio16.34

Dividend Yield2.15%

Beta1

Old Point Financial (NASDAQ:OPOF) Vs. SFST, AMNB, SMBK, FNLC, PFIS, and CBNK

Should you be buying OPOF stock or one of its competitors? Companies in the industry of "national commercial banks" are considered alternatives and competitors to Old Point Financial, including Southern First Bancshares (SFST), American National Bankshares (AMNB), SmartFinancial (SMBK), The First Bancorp (FNLC), Peoples Financial Services (PFIS), and Capital Bancorp (CBNK).

Old Point Financial vs. Southern First Bancshares Stock

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

Profitability

This table compares Southern First Bancshares and Old Point Financial's net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Southern First Bancshares	14.18%	7.95%	0.71%
Old Point Financial	12.67%	6.03%	0.59%

Risk & Volatility

Southern First Bancshares has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.

Valuation & Earnings

This table compares Southern First Bancshares and Old Point Financial's gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Southern First Bancshares	$107.64 million	3.65	$27.86 million	$3.58	13.98
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A

Southern First Bancshares has higher revenue and earnings than Old Point Financial.

Insider and Institutional Ownership

74.1% of Southern First Bancshares shares are held by institutional investors. Comparatively, 30.4% of Old Point Financial shares are held by institutional investors. 8.5% of Southern First Bancshares shares are held by insiders. Comparatively, 20.4% 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 stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Southern First Bancshares and Old Point Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southern First Bancshares	0	1	2	0	2.67
Old Point Financial	0	0	0	0	N/A

Southern First Bancshares presently has a consensus target price of $39.50, suggesting a potential downside of 21.09%. Given Southern First Bancshares' higher possible upside, equities analysts plainly believe Southern First Bancshares is more favorable than Old Point Financial.

Summary

Southern First Bancshares beats Old Point Financial on 11 of the 12 factors compared between the two stocks.

Old Point Financial vs. American National Bankshares Stock

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

Earnings & Valuation

This table compares American National Bankshares and Old Point Financial's revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
American National Bankshares	$108.03 million	3.28	$20.91 million	$3.10	10.44
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A

American National Bankshares has higher revenue and earnings than Old Point Financial.

Risk & Volatility

American National Bankshares has a beta of 1.09, suggesting that its share price is 9% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 1, suggesting that its share price has a similar volatility profile to the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations and price targets for American National Bankshares and Old Point Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
American National Bankshares	0	1	1	0	2.50
Old Point Financial	0	0	0	0	N/A

American National Bankshares presently has a consensus target price of $30.25, suggesting a potential downside of 6.55%. Given American National Bankshares' higher possible upside, equities analysts plainly believe American National Bankshares is more favorable than Old Point Financial.

Profitability

This table compares American National Bankshares and Old Point Financial's net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
American National Bankshares	25.52%	8.95%	1.09%
Old Point Financial	12.67%	6.03%	0.59%

Dividends

American National Bankshares pays an annual dividend of $1.08 per share and has a dividend yield of 3.3%. Old Point Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.2%. American National Bankshares pays out 34.8% of its earnings in the form of a dividend. American National Bankshares has increased its dividend for 1 consecutive years and Old Point Financial has increased its dividend for 1 consecutive years.

Insider & Institutional Ownership

36.5% of American National Bankshares shares are held by institutional investors. Comparatively, 30.4% of Old Point Financial shares are held by institutional investors. 4.1% of American National Bankshares shares are held by insiders. Comparatively, 20.4% of Old Point Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

American National Bankshares beats Old Point Financial on 11 of the 14 factors compared between the two stocks.

Old Point Financial vs. SmartFinancial Stock

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

Earnings & Valuation

This table compares Old Point Financial and SmartFinancial's top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A
SmartFinancial	$123.77 million	2.74	$26.55 million	$1.68	13.35

SmartFinancial has higher revenue and earnings than Old Point Financial.

Volatility and Risk

Old Point Financial has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.Comparatively, SmartFinancial has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for Old Point Financial and SmartFinancial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	N/A
SmartFinancial	0	0	2	0	3.00

SmartFinancial has a consensus target price of $22.00, suggesting a potential downside of 1.87%. Given SmartFinancial's higher possible upside, analysts clearly believe SmartFinancial is more favorable than Old Point Financial.

Profitability

This table compares Old Point Financial and SmartFinancial's net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	12.67%	6.03%	0.59%
SmartFinancial	17.20%	7.34%	0.82%

Dividends

Old Point Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.2%. SmartFinancial pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. SmartFinancial pays out 14.3% of its earnings in the form of a dividend. Old Point Financial has increased its dividend for 1 consecutive years and SmartFinancial has increased its dividend for 1 consecutive years.

Insider & Institutional Ownership

30.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 40.5% of SmartFinancial shares are owned by institutional investors. 20.4% of Old Point Financial shares are owned by insiders. Comparatively, 8.9% of SmartFinancial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

SmartFinancial beats Old Point Financial on 9 of the 14 factors compared between the two stocks.

Old Point Financial vs. The First Bancorp Stock

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

Earnings & Valuation

This table compares Old Point Financial and The First Bancorp's top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A
The First Bancorp	$92.84 million	3.42	$25.52 million	N/A	N/A

The First Bancorp has higher revenue and earnings than Old Point Financial.

Volatility and Risk

Old Point Financial has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.Comparatively, The First Bancorp has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for Old Point Financial and The First Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	N/A
The First Bancorp	0	0	0	0	N/A

Profitability

This table compares Old Point Financial and The First Bancorp's net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	12.67%	6.03%	0.59%
The First Bancorp	28.20%	12.43%	1.22%

Dividends

Old Point Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.2%. The First Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 4.3%. Old Point Financial has increased its dividend for 1 consecutive years and The First Bancorp has increased its dividend for 7 consecutive years. The First Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

30.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 33.5% of The First Bancorp shares are owned by institutional investors. 20.4% of Old Point Financial shares are owned by insiders. Comparatively, 8.3% of The First Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

The First Bancorp beats Old Point Financial on 9 of the 12 factors compared between the two stocks.

Old Point Financial vs. Peoples Financial Services Stock

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

Earnings & Valuation

This table compares Old Point Financial and Peoples Financial Services' top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A
Peoples Financial Services	$108.51 million	2.76	$25.74 million	N/A	N/A

Peoples Financial Services has higher revenue and earnings than Old Point Financial.

Volatility and Risk

Old Point Financial has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.Comparatively, Peoples Financial Services has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for Old Point Financial and Peoples Financial Services, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	N/A
Peoples Financial Services	0	0	0	0	N/A

Profitability

This table compares Old Point Financial and Peoples Financial Services' net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	12.67%	6.03%	0.59%
Peoples Financial Services	25.36%	9.07%	1.06%

Dividends

Old Point Financial pays an annual dividend of $0.48 per share and has a dividend yield of 2.2%. Peoples Financial Services pays an annual dividend of $1.48 per share and has a dividend yield of 3.6%. Old Point Financial has increased its dividend for 1 consecutive years and Peoples Financial Services has increased its dividend for 1 consecutive years.

Insider & Institutional Ownership

30.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 27.1% of Peoples Financial Services shares are owned by institutional investors. 20.4% of Old Point Financial shares are owned by insiders. Comparatively, 7.7% of Peoples Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Peoples Financial Services beats Old Point Financial on 7 of the 11 factors compared between the two stocks.

Old Point Financial vs. Capital Bancorp Stock

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

Valuation and Earnings

This table compares Old Point Financial and Capital Bancorp's gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$54.32 million	2.06	$7.86 million	N/A	N/A
Capital Bancorp	$107.87 million	2.63	$16.90 million	$1.21	17.06

Capital Bancorp has higher revenue and earnings than Old Point Financial.

Volatility and Risk

Old Point Financial has a beta of 1, suggesting that its share price has a similar volatility profile to the S&P 500.Comparatively, Capital Bancorp has a beta of 0.37, suggesting that its share price is 63% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for Old Point Financial and Capital Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	N/A
Capital Bancorp	0	0	1	0	3.00

Capital Bancorp has a consensus target price of $12.00, suggesting a potential downside of 41.86%. Given Capital Bancorp's higher possible upside, analysts clearly believe Capital Bancorp is more favorable than Old Point Financial.

Profitability

This table compares Old Point Financial and Capital Bancorp's net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	12.67%	6.03%	0.59%
Capital Bancorp	15.13%	15.12%	1.28%

Insider and Institutional Ownership

30.4% of Old Point Financial shares are held by institutional investors. Comparatively, 22.9% of Capital Bancorp shares are held by institutional investors. 20.4% of Old Point Financial shares are held by company insiders. Comparatively, 41.6% of Capital Bancorp shares are held by company 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

Capital Bancorp beats Old Point Financial on 9 of the 12 factors compared between the two stocks.