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OPOF

NSC

Old Point Financial Corporation

Financial Services•Banks - Regional - US

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Last updated: Monday 21st July 2025

41.22

+0.24 (0.59%)

Prev Close:40.98

Open:41.05

Bid:16.44

Ask:65.74

52 Week Range

16.58

41.33

Volume:27,752

Mkt Cap:205 M

MarketXLS Rank ®

Hold

Technical

Quality

How are these ranks calculated?

Price Target

$47.40

+15.0%

overview Option financials value quality technical estimates peers news Trend Analysis & Forecast data

Financial Statements

OPOF - Income Statement (Annual)

	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Credit Losses Provision	765000.0	3 M	2 M	794000.0	1000000.0	318000.0	3 M	4 M	2 M	1 M
Depreciation And Amortization	2 M	2 M	2 M	2 M	2 M	-2 M	-2 M	-3 M	-3 M	-3 M
Development Expense	473000.0	548000.0	473000.0	370000.0	381000.0
Fees And Commissions	16000.0	299000.0	-1 M	2 M	2 M	1 M	908000.0	96000.0	12 M	12 M
General And Administrative Expense	881000.0	839000.0				3 M	3 M	3 M	3 M	2 M
Impairment Of Capital Assets									-60000.0	-1 M
Insurance And Claims	881000.0	839000.0				3 M	3 M	3 M	3 M	2 M
Interest Expense For Capitalized Lease Obligations	364000.0	446000.0	415000.0	470000.0	415000.0	-361000.0	-349000.0
Interest Expense For Deposit	21 M	14 M	2 M	3 M	4 M	5 M	4 M	3 M	2 M	2 M
Interest Expense For Long Term Debt	3 M	5 M	1 M	544000.0	725000.0	1 M	1 M	424000.0	206000.0	1 M
Interest Expense For Long Term Debt And Capital Securities	3 M	5 M	1 M	544000.0	725000.0	1 M	1 M	424000.0	206000.0	1 M
Interest Expense For Short Term Debt	3000.0	40000.0	69000.0	35000.0	150000.0	132000.0	131000.0	38000.0	25000.0	30000.0
Interest Income	72 M	67 M	48 M	42 M	40 M	40 M	38 M	33 M	30 M	30 M
Interest Income After Provision For Loan Loss	47 M	45 M	43 M	38 M	34 M	33 M	28 M	22 M	23 M	25 M
Interest Income From Deposits	6 M	2 M	598000.0	230000.0	267000.0	689000.0	198000.0	15000.0	48000.0	15000.0
Interest Income From Federal Funds Sold And Securities Purchase Under Agreements To Resell	41000.0	34000.0	21000.0	3000.0	12000.0	31000.0	21000.0	8000.0	6000.0	2000.0
Interest Income From Investment Securities	8 M	8 M	6 M	4 M	4 M	4 M	3 M	4 M	3 M	4 M
Interest Income From Loans	59 M	56 M	43 M	38 M	36 M	36 M	34 M	29 M	26 M	26 M
Interest Income From Loans And Lease	59 M	56 M	43 M	38 M	36 M	36 M	34 M	29 M	26 M	26 M
Interest Income From Securities	8 M	8 M	6 M	4 M	4 M	4 M	3 M	4 M	3 M	4 M
Marketing Expense						552000.0	611000.0	575000.0	612000.0	584000.0
Net Income (loss)	10 M	8 M	9 M	8 M	5 M	8 M	5 M	-29000.0	4 M	4 M
Net Income Common Stockholders	10 M	8 M	9 M	8 M	5 M	8 M	5 M	-29000.0	4 M	4 M
Net Income Continuous Operations	10 M	8 M	9 M	8 M	5 M	8 M	5 M	-29000.0	4 M	4 M
Net Interest Income	48 M	48 M	44 M	39 M	35 M	34 M	30 M	26 M	25 M	26 M
Net Occupancy Expense	5 M	5 M	5 M	5 M	5 M	6 M	6 M	6 M	6 M	5 M
Non Interest Expense	50 M	50 M	46 M	43 M	43 M	-39 M	-38 M	-39 M	-35 M	-35 M
Non Interest Income	13 M	14 M	14 M	15 M	15 M	14 M	13 M	13 M	13 M	13 M
Normalized Income	-30050.0			-2 M
Occupancy And Equipment	5 M	5 M	5 M	5 M	5 M	6 M	6 M	6 M	6 M	5 M
Other Customer Services								4 M	4 M	4 M
Other Gand A	881000.0	839000.0				3 M	3 M	3 M	3 M	2 M
Other Interest Expense		18 M	4 M	3 M	5 M	-6 M	-5 M	-3 M	-3 M	-4 M
Other Interest Income	306000.0	326000.0	87000.0	70000.0	134000.0	221000.0	253000.0	155000.0	113000.0	133000.0
Other Non Interest Expense	8 M	8 M	7 M	7 M	5 M	3 M	2 M	6 M	3 M	4 M
Other Non Interest Income	1 M	1 M	13 M	13 M	12 M	13 M	12 M	13 M	1 M	1 M
Professional Expense And Contract Services Expense	3 M	3 M	3 M	3 M	2 M	2 M	2 M	2 M	2 M	720000.0
Promotion And Advertising	187000.0	226000.0	202000.0	217000.0	230000.0	-207000.0	-255000.0	-249000.0	-273000.0	-217000.0
Salaries And Wages	30 M	30 M	27 M	25 M	26 M	24 M	23 M	21 M	20 M	21 M
Securities Activities	16000.0	299000.0	-1 M	2 M	2 M	314000.0	120000.0	96000.0	522000.0	76000.0
Selling And Marketing Expense	187000.0	226000.0	202000.0	217000.0	230000.0	552000.0	611000.0	575000.0	612000.0	584000.0
Service Charge On Depositor Accounts						884000.0	788000.0	8 M	8 M	8 M
Total Revenues	62 M	62 M	56 M	54 M	49 M	48 M	44 M	39 M	39 M	39 M
Total Revenue	62 M	62 M	56 M	54 M	49 M	48 M	44 M	39 M	39 M	39 M
Amord	268000.0	367000.0	425000.0	410000.0	688000.0	-216000.0	-341000.0	-340000.0	-300000.0	-219000.0
Avgshs	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M
Avgshsdt	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M
Basiceps	1.88	1.54	1.8	1.61	1.03	1.51	0.96	-0.01	0.77	0.73
Basicepscont	1.88	1.54	1.8	1.61	1.03	1.51	0.96	-0.01	0.77	0.73
Depamor	2 M	2 M	2 M	2 M	2 M	-2 M	-2 M	-3 M	-3 M	-3 M
Dileps	1.88	1.54	1.8	1.61	1.03	1.51	0.96	-0.01	0.77	0.73
Dilepscont	1.88	1.54	1.8	1.61	1.03	1.51	0.96	-0.01	0.77	0.73
Div Per Share	0.56	0.56	0.52	0.5
Intexp	24 M	18 M	4 M	3 M	5 M	-6 M	-5 M	-3 M	-3 M	-4 M
Netincdisc	10 M	8 M	9 M	8 M	5 M	8 M	5 M	-29000.0	4 M	4 M
Othspecchg	-11 M	-12 M	-11 M	-10 M	-10 M	-45 M	-46 M	-47 M	-39 M	-40 M
Pretaxinc	11 M	9 M	11 M	10 M	6 M	9 M	5 M	-126000.0	4 M	4 M
Resdev	473000.0	548000.0	473000.0	370000.0	381000.0
Restruct							655000.0	-309000.0
Sga	31 M	31 M	27 M	25 M	26 M	27 M	26 M	24 M	23 M	24 M
Shsout	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M	5 M
Specincchg	-8 M	-8 M	-7 M	-7 M	-5 M	-3 M	-3 M	-6 M	-3 M	-4 M
Taxprov	2 M	1 M	1 M	1 M	521000.0	1 M	279000.0	381000.0	643000.0	640000.0