OPOF Stock Forecast, Price Targets, Chart, Dividends & Analysis
Old Point Financial Corporation
OPOF 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
20.78
USD
0.36
(1.76%)
Previous close: 20.42 Open: 20.52 Bid: 19.15 Ask: 33.37
52 week range
13.49 21.89
Mkt Cap: 103 M Avg Vol (90 Days): 8,603
Last updated: Friday 22nd November 2024
Metrics
Valuation
Price per Sales TTM ($) | 1.67 |
Price per Book TTM ($) | 0.91 |
PE Ratio (TTM) | 12.90 |
Book Value per Share ($) | 21.67 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | 0.78% | |
1 Month Return | 5.89% | |
3 Month Return | 7.36% | |
1 Year Return | 21.08% | |
3 Year Return | -1.90% | |
5 Year Return | -18.20% | |
YTD Return | 15.90% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 63.63 |
14 Day SMA ($) | 20.43 |
14 Day EMA ($) | 20.41 |
Money Flow Index | 28.91 |
Average True Range | 0.60 |
50 Day SMA ($) | 19.33 |
200 Day SMA ($) | 16.99 |
ADX | 0.00 |
MACD | -0.07 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
OPOF Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic EPS from continuing operations | 0.83 | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 |
| Basic EPS total | 0.83 | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 |
| Basic weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| CreditLossesProvision | 600000.0 | 1 M | 2 M | 4 M | 3 M | 318000.0 | 1000000.0 | 794000.0 | 2 M | 3 M |
| Depreciation | -2 M | 2 M | 2 M | 2 M | 2 M | |||||
| Depreciation unreconciled | -2 M | -3 M | -3 M | -3 M | -2 M | -2 M | ||||
| DepreciationAndAmortization | -2 M | -3 M | -3 M | -3 M | -2 M | -2 M | 2 M | 2 M | 2 M | 2 M |
| DevelopmentExpense | 381000.0 | 370000.0 | 473000.0 | 548000.0 | ||||||
| Diluted EPS total | 0.83 | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 |
| Diluted normalized net income/share | 0.83 | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 |
| Diluted weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Dividends paid per share | 0.5 | 0.52 | 0.56 | |||||||
| FeesAndCommissions | 12 M | 12 M | 12 M | 96000.0 | 908000.0 | 1 M | 2 M | 2 M | -1 M | 299000.0 |
| GeneralAndAdministrativeExpense | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | ||||
| ImpairmentOfCapitalAssets | -1 M | -1 M | -60000.0 | |||||||
| Income before tax | 4 M | 4 M | 4 M | -126000.0 | 5 M | 9 M | 6 M | 10 M | 11 M | 18 M |
| Income restructuring and M&A | -309000.0 | 655000.0 | ||||||||
| Income taxes | 900000.0 | 640000.0 | 643000.0 | 381000.0 | 279000.0 | 1 M | 521000.0 | 1 M | 1 M | 1 M |
| InsuranceAndClaims | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | ||||
| Interest expense | -4 M | -4 M | -3 M | -3 M | -5 M | -6 M | 5 M | 3 M | 4 M | 18 M |
| InterestExpenseForCapitalizedLeaseObligations | -349000.0 | -361000.0 | 415000.0 | 470000.0 | 415000.0 | 446000.0 | ||||
| InterestExpenseForDeposit | 3 M | 2 M | 2 M | 3 M | 4 M | 5 M | 4 M | 3 M | 2 M | 14 M |
| InterestExpenseForLongTermDebt | 1 M | 1 M | 206000.0 | 424000.0 | 1 M | 1 M | 725000.0 | 544000.0 | 1 M | 5 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 1 M | 1 M | 206000.0 | 424000.0 | 1 M | 1 M | 725000.0 | 544000.0 | 1 M | 5 M |
| InterestExpenseForShortTermDebt | 32000.0 | 30000.0 | 25000.0 | 38000.0 | 131000.0 | 132000.0 | 150000.0 | 35000.0 | 69000.0 | 40000.0 |
| InterestIncome | 30 M | 30 M | 30 M | 33 M | 38 M | 40 M | 40 M | 42 M | 48 M | 69 M |
| InterestIncomeAfterProvisionForLoanLoss | 25 M | 25 M | 23 M | 22 M | 28 M | 33 M | 34 M | 38 M | 43 M | 45 M |
| InterestIncomeFromDeposits | 13000.0 | 15000.0 | 48000.0 | 15000.0 | 198000.0 | 689000.0 | 267000.0 | 230000.0 | 598000.0 | 2 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 5000.0 | 2000.0 | 6000.0 | 8000.0 | 21000.0 | 31000.0 | 12000.0 | 3000.0 | 21000.0 | 34000.0 |
| InterestIncomeFromInvestmentSecurities | 5 M | 4 M | 3 M | 4 M | 3 M | 4 M | 4 M | 4 M | 6 M | 8 M |
| InterestIncomeFromLoans | 25 M | 26 M | 26 M | 29 M | 34 M | 36 M | 36 M | 38 M | 43 M | 59 M |
| InterestIncomeFromLoansAndLease | 25 M | 26 M | 26 M | 29 M | 34 M | 36 M | 36 M | 38 M | 43 M | 59 M |
| InterestIncomeFromSecurities | 5 M | 4 M | 3 M | 4 M | 3 M | 4 M | 4 M | 4 M | 6 M | 8 M |
| MarketingExpense | 822000.0 | 584000.0 | 612000.0 | 575000.0 | 611000.0 | 552000.0 | ||||
| Net income from total operations | 4 M | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 17 M |
| NetIncomeCommonStockholders | 4 M | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 17 M |
| NetIncomeContinuousOperations | 4 M | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 16 M | 17 M |
| NetInterestIncome | 26 M | 26 M | 25 M | 26 M | 30 M | 34 M | 35 M | 39 M | 44 M | 51 M |
| NetOccupancyExpense | 5 M | 5 M | 6 M | 6 M | 6 M | 6 M | 5 M | 5 M | 5 M | 5 M |
| NonInterestExpense | -34 M | -35 M | -35 M | -39 M | -38 M | -39 M | 43 M | 43 M | 46 M | 47 M |
| NonInterestIncome | 13 M | 13 M | 13 M | 13 M | 13 M | 14 M | 15 M | 15 M | 14 M | 14 M |
| Normalized income | -2 M | -18 M | ||||||||
| OccupancyAndEquipment | 5 M | 5 M | 6 M | 6 M | 6 M | 6 M | 5 M | 5 M | 5 M | 5 M |
| Other special charges | -39 M | -40 M | -39 M | -47 M | -46 M | -45 M | -10 M | -10 M | -11 M | -12 M |
| OtherCustomerServices | 4 M | 4 M | 4 M | 4 M | ||||||
| OtherGandA | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | ||||
| OtherInterestExpense | -4 M | -4 M | -3 M | -3 M | -5 M | -6 M | 5 M | 3 M | 4 M | 18 M |
| OtherInterestIncome | 125000.0 | 133000.0 | 113000.0 | 155000.0 | 253000.0 | 221000.0 | 134000.0 | 70000.0 | 87000.0 | 326000.0 |
| OtherNonInterestExpense | 4 M | 4 M | 3 M | 6 M | 2 M | 3 M | 5 M | 7 M | 7 M | 7 M |
| OtherNonInterestIncome | 1 M | 1 M | 1 M | 13 M | 12 M | 13 M | 12 M | 13 M | 13 M | 13 M |
| ProfessionalExpenseAndContractServicesExpense | 606000.0 | 720000.0 | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 3 M |
| PromotionAndAdvertising | -265000.0 | -217000.0 | -273000.0 | -249000.0 | -255000.0 | -207000.0 | 230000.0 | 217000.0 | 202000.0 | 226000.0 |
| Research & development expense | 381000.0 | 370000.0 | 473000.0 | 548000.0 | ||||||
| Revenue per share | -219000.0 | -300000.0 | -340000.0 | -341000.0 | -216000.0 | 688000.0 | 410000.0 | 425000.0 | 367000.0 | |
| SalariesAndWages | 20 M | 21 M | 20 M | 21 M | 23 M | 24 M | 26 M | 25 M | 27 M | 30 M |
| SecuritiesActivities | 2000.0 | 76000.0 | 522000.0 | 96000.0 | 120000.0 | 314000.0 | 2 M | 2 M | -1 M | 299000.0 |
| Selling Gen & administrative expense | 23 M | 24 M | 23 M | 24 M | 26 M | 27 M | 26 M | 25 M | 27 M | 30 M |
| SellingAndMarketingExpense | 2 M | 584000.0 | 612000.0 | 575000.0 | 611000.0 | 552000.0 | 230000.0 | 217000.0 | 202000.0 | 226000.0 |
| ServiceChargeOnDepositorAccounts | 8 M | 8 M | 8 M | 8 M | 788000.0 | 884000.0 | ||||
| Special income/charges | -4 M | -4 M | -3 M | -6 M | -3 M | -3 M | -5 M | -7 M | -7 M | -7 M |
| Total common shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total net income | 4 M | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 17 M |
| Total ordinary shares | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total revenues | 38 M | 39 M | 39 M | 39 M | 44 M | 48 M | 49 M | 54 M | 58 M | 62 M |
| TotalRevenue | 38 M | 39 M | 39 M | 39 M | 44 M | 48 M | 49 M | 54 M | 58 M | 62 M |
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