Old Point Financial Corporation (OPOF)
Company Info
Highlights
$199.15M
$1.96
19.90
$69.80M
$70.92M
$6.23M
$13.45 - $40.88
$15.00
0.45%
0.44
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Old Point Financial Corporation (OPOF) returned 50.38% year-to-date (YTD) and 170.47% over the past 12 months. Over the past 10 years, OPOF delivered an annualized return of 12.53%, outperforming the S&P 500 benchmark at 10.68%.
OPOF
50.38%
-0.03%
80.73%
170.47%
17.86%
23.59%
12.53%
^GSPC (Benchmark)
-1.34%
5.02%
-3.08%
9.39%
13.76%
14.45%
10.68%
Monthly Returns
The table below presents the monthly returns of OPOF, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -6.37% | 25.78% | -1.99% | 29.73% | 0.44% | 50.38% | |||||||
| 2024 | 0.50% | -4.16% | 3.64% | -20.56% | 5.11% | -0.06% | 31.77% | -0.41% | 1.12% | 2.59% | 13.62% | 16.44% | 50.00% |
| 2023 | -12.00% | 17.42% | -14.22% | -7.60% | -28.23% | 10.84% | 22.19% | -14.01% | 0.99% | -11.88% | 0.99% | 11.20% | -31.58% |
| 2022 | 4.19% | 1.64% | -0.49% | 6.08% | -3.54% | 1.36% | -5.12% | -1.90% | 18.51% | -5.34% | -19.16% | 27.98% | 18.09% |
| 2021 | 1.79% | 5.28% | 16.40% | -6.38% | 5.59% | 7.91% | -10.85% | 0.86% | -4.75% | -0.66% | 11.59% | -0.23% | 26.03% |
| 2020 | 3.64% | -8.74% | -41.58% | 6.81% | -5.88% | 1.14% | 5.57% | -2.79% | -2.45% | 2.11% | 11.64% | 10.55% | -29.12% |
| 2019 | 7.49% | -1.98% | -7.34% | -0.47% | 0.95% | 4.11% | 2.49% | 6.20% | -0.34% | 3.32% | 17.75% | -4.65% | 28.49% |
| 2018 | -1.38% | -14.09% | 5.10% | -0.30% | 1.86% | 8.17% | 0.45% | -7.87% | 12.41% | -10.07% | -4.80% | -14.36% | -25.39% |
| 2017 | 10.80% | 3.97% | 5.09% | 2.12% | -4.49% | 12.22% | -2.31% | -3.94% | 5.40% | -0.06% | -11.12% | 3.77% | 20.80% |
| 2016 | 8.39% | -1.19% | 1.75% | 2.69% | 2.62% | -1.64% | -0.42% | 4.14% | 4.40% | -0.77% | 9.83% | 11.53% | 48.63% |
| 2015 | 1.93% | -1.37% | 0.03% | 0.63% | 0.20% | 3.85% | -0.32% | 1.68% | -0.25% | 2.35% | 13.82% | -5.77% | 16.90% |
| 2014 | 9.44% | 12.69% | 7.05% | -9.13% | -0.38% | 1.25% | -1.88% | 1.47% | -3.28% | 1.90% | 0.26% | 0.00% | 19.03% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 99, OPOF is among the top 1% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Old Point Financial Corporation (OPOF) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Old Point Financial Corporation provided a 1.44% dividend yield over the last twelve months, with an annual payout of $0.56 per share. The company has been increasing its dividends for 13 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.56 | $0.56 | $0.56 | $0.52 | $0.50 | $0.48 | $0.48 | $0.44 | $0.44 | $0.40 | $0.34 | $0.26 |
Dividend yield | 1.44% | 2.15% | 3.12% | 1.93% | 2.14% | 2.53% | 1.75% | 2.02% | 1.48% | 1.60% | 1.98% | 1.73% |
Monthly Dividends
The table displays the monthly dividend distributions for Old Point Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | |||||||
| 2024 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.56 |
| 2023 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.56 |
| 2022 | $0.00 | $0.00 | $0.13 | $0.00 | $0.13 | $0.00 | $0.00 | $0.00 | $0.13 | $0.00 | $0.00 | $0.13 | $0.52 |
| 2021 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.12 | $0.00 | $0.13 | $0.00 | $0.00 | $0.13 | $0.00 | $0.50 |
| 2020 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.12 | $0.48 |
| 2019 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.12 | $0.00 | $0.12 | $0.00 | $0.00 | $0.00 | $0.12 | $0.48 |
| 2018 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.00 | $0.11 | $0.44 |
| 2017 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.44 |
| 2016 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.40 |
| 2015 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.34 |
| 2014 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.26 |
Dividend Yield & Payout
Dividend Yield
Old Point Financial Corporation has a dividend yield of 1.44%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
Old Point Financial Corporation has a payout ratio of 28.58%, which is quite average when compared to the overall market. This suggests that Old Point Financial Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Old Point Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Old Point Financial Corporation was 63.89%, occurring on Mar 18, 2020. Recovery took 1207 trading sessions.
The current Old Point Financial Corporation drawdown is 3.87%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -63.89% | Jul 5, 2017 | 660 | Mar 18, 2020 | 1207 | Feb 14, 2025 | 1867 |
| -63.88% | May 14, 2003 | 1828 | Dec 8, 2011 | 1131 | Dec 2, 2016 | 2959 |
| -54.41% | Feb 11, 1999 | 117 | Mar 1, 2000 | 285 | Apr 19, 2002 | 402 |
| -9.05% | Feb 24, 2003 | 4 | Feb 27, 2003 | 12 | Mar 17, 2003 | 16 |
| -9.04% | Jul 8, 2002 | 16 | Aug 5, 2002 | 35 | Oct 16, 2002 | 51 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Old Point Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Old Point Financial Corporation, comparing actual results with analytics estimates. In the past quarter, the company did not meet analyst expectations for EPS, resulting in a surprise of -14.2%.
Valuation
The Valuation section provides an overview of how Old Point Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for OPOF, comparing it with other companies in the Banks - Regional industry. Currently, OPOF has a P/E ratio of 19.9. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for OPOF compared to other companies in the Banks - Regional industry. OPOF currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for OPOF relative to other companies in the Banks - Regional industry. Currently, OPOF has a P/S ratio of 3.2. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for OPOF in comparison with other companies in the Banks - Regional industry. Currently, OPOF has a P/B value of 1.7. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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