OPOF vs. T

Last updated Jun 6, 2026

OPOF (Old Point Financial Corporation) and T (AT&T Inc.) are both stocks. OPOF operates in Banks - Regional (Financial Services), while T operates in Telecom Services (Communication Services). At a 0.05 correlation, their price movements are largely independent.

Performance

OPOF vs. T - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Old Point Financial Corporation (OPOF) and AT&T Inc. (T). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

OPOF

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

T

• 1D: -0.09%
• 1M: -9.94%
• YTD: -6.37%
• 6M: -8.00%
• 1Y: -15.45%
• 3Y*: 19.53%
• 5Y*: 6.65%
• 10Y*: 3.11%

*Multi-year figures are annualized to reflect compound growth (CAGR)

OPOF vs. T - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
OPOF Old Point Financial Corporation	0.00%	62.88%	50.00%	-31.57%	18.09%	26.05%	-29.12%	28.48%	-25.39%	20.80%
T AT&T Inc.	-6.37%	13.97%	44.08%	-2.74%	5.76%	-8.09%	-21.37%	45.55%	-22.25%	-4.01%

Correlation

The correlation between OPOF and T is 0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.06
Correlation (3Y) Calculated over the trailing 3-year period	0.08
Correlation (5Y) Calculated over the trailing 5-year period	0.06
Correlation (10Y) Calculated over the trailing 10-year period	0.08
Correlation (All Time) Calculated using the full available price history since Jan 12, 1999	0.05

Fundamentals

EPS OPOF : $1.70 T : $3.04
PE Ratio OPOF : 24.80 T : 7.47
PEG Ratio OPOF : 1.31 T : 0.31
PS Ratio OPOF : 2.51 T : 1.30
Total Revenue (TTM) OPOF : $85.60M T : $125.65B
Gross Profit (TTM) OPOF : $61.00M T : $105.41B
EBITDA (TTM) OPOF : $13.97M T : $54.70B

Return for Risk

OPOF vs. T — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

T

T Risk / Return Rank: 13
T Sharpe Ratio Rank: 13
T Sortino Ratio Rank: 14
T Omega Ratio Rank: 15
T Calmar Ratio Rank: 16
T Martin Ratio Rank: 8

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

OPOF vs. T - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Old Point Financial Corporation (OPOF) and AT&T Inc. (T). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	OPOF	T	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	-0.66	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.28	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.13	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	0.38	—

Drawdowns

Drawdown Indicators

	OPOF	T	Difference
Max Drawdown Largest peak-to-trough decline	—	-64.15%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-21.00%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-21.00%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-32.01%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-42.35%	—
Current Drawdown Current decline from peak	—	-21.00%	—
Average Drawdown Average peak-to-trough decline	—	-15.72%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	10.25%	—

Volatility

Volatility by Period

	OPOF	T	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	7.51%	—
Volatility (6M) Calculated over the trailing 6-month period	—	17.54%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	22.00%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	23.96%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	23.71%	—

Dividends

OPOF vs. T - Dividend Comparison

OPOF's dividend yield for the trailing twelve months is around 0.33%, less than T's 4.88% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
OPOF Old Point Financial Corporation	0.33%	0.67%	2.15%	3.12%	1.93%	2.14%	2.53%	1.75%	2.02%	1.48%	1.60%	1.98%
T AT&T Inc.	4.88%	4.47%	4.87%	6.62%	6.66%	8.46%	7.23%	5.22%	7.01%	5.04%	4.51%	5.46%

Financials

Frequently Asked Questions

Can I hold both OPOF and T in my portfolio?

OPOF and T have a correlation of 0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.