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About the company
Old Point Financial Corporation is a holding company of the Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Wealth). The Bank serves individual and commercial customers in the Hampton Roads region of Virginia. It has over 14 branch offices, serving the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through Old Point Mortgage. It offers insurance products through Old Point Insurance, LLC in partnership with Morgan Marrow Company. The Wealth offers a full range of services for individuals and businesses, including retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services.
- Revenue in USD (TTM)68.86m
- Net income in USD6.36m
- Incorporated1984
- Employees291.00
- LocationOld Point Financial Corp1 W Mellen StHAMPTON 23663United StatesUSA
- Phone+1 (757) 728-1247
- Websitehttps://oldpoint.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Potomac Bancshares Inc | 37.30m | 6.90m | 60.51m | 125.00 | 8.78 | -- | -- | 1.88 | 1.66 | 1.66 | 7.74 | -- | -- | -- | -- | -- | -- | 0.8935 | -- | -- | -- | -- | 21.48 | 21.63 | -- | -- | -- | 24.64 | 31.48 | 15.16 | -0.6429 | 16.45 | -38.30 | 6.30 |
| Summit State Bank | 60.07m | 8.10m | 61.21m | 115.00 | 7.59 | 0.6358 | 8.75 | 1.65 | 1.21 | 1.21 | 5.52 | 14.43 | -- | -- | -- | -- | 0.7275 | 1.32 | -- | -- | -- | -- | 21.88 | 30.75 | -- | -- | -- | -- | 23.05 | 18.69 | -36.22 | 13.18 | -- | 1.92 |
| First Reliance Bancshares Inc | 46.77m | 4.47m | 64.23m | 92.00 | 14.42 | 0.8903 | -- | 1.78 | 0.5473 | 0.5473 | 4.43 | 8.86 | -- | -- | -- | -- | 0.4409 | 0.763 | -- | -- | -- | -- | 12.37 | 15.90 | -- | -- | -- | -- | 33.68 | 13.44 | -22.39 | 13.63 | -- | -- |
| Killbuck Bancshares Inc | 14.68m | 3.03m | 71.17m | 100.00 | 23.53 | 1.55 | 20.47 | 5.58 | 4.93 | 4.93 | 20.74 | 75.06 | -- | -- | -- | -- | 0.701 | 1.00 | -- | -- | -- | -- | 23.77 | 27.10 | -- | -- | -- | 53.53 | -2.28 | -6.17 | -3.52 | -11.25 | -36.53 | -2.71 |
| Southern Michigan Bancorp Inc | 69.74m | 10.58m | 72.29m | 173.00 | 6.87 | 0.724 | -- | 1.50 | 2.33 | 2.33 | 10.60 | 22.10 | -- | -- | -- | -- | 0.754 | 0.9801 | -- | -- | -- | -- | 21.99 | 25.52 | -- | -- | -- | 21.36 | 48.57 | 17.10 | -19.17 | 6.06 | -- | 5.05 |
| Silver Spike Investment Corp | 12.24m | 5.50m | 72.90m | 0.00 | 13.25 | 0.8626 | -- | 5.96 | 0.8855 | 0.8855 | 1.97 | 13.60 | 0.1357 | -- | 7.55 | -- | 6.10 | -- | 6.35 | -- | 78.50 | -- | 44.97 | -- | -- | -- | 0.00 | -- | -- | -- | -- | -- | -- | -- |
| United Bancorp Inc | 38.26m | 8.77m | 72.99m | 115.00 | 7.68 | 1.15 | 7.14 | 2.48 | 1.60 | 1.60 | 5.36 | 10.62 | -- | -- | -- | -- | 1.08 | 1.17 | -- | -- | -- | -- | 30.77 | 29.71 | -- | -- | -- | 50.27 | 33.22 | 11.56 | 3.92 | 16.13 | 6.61 | 5.04 |
| Cnb Community Bancorp Inc | 57.31m | 10.61m | 73.70m | -- | 6.84 | 0.7766 | -- | 1.52 | 4.92 | 4.92 | 22.42 | 43.36 | -- | -- | -- | -- | 0.8803 | 1.08 | -- | -- | -- | -- | 21.94 | 24.23 | -- | -- | -- | 26.06 | 31.72 | 14.88 | -13.06 | 4.61 | 19.99 | 0.8851 |
| PRIME MERIDIAN HOLDING CO | 41.79m | 8.14m | 74.84m | 114.00 | 9.10 | 0.9185 | 8.45 | 2.43 | 2.49 | 2.49 | 9.43 | 24.71 | -- | -- | -- | -- | 0.9694 | 1.01 | -- | -- | -- | -- | 26.39 | 28.13 | -- | -- | -- | 7.09 | 29.88 | 19.72 | -10.05 | 16.59 | -10.15 | 17.08 |
| Old Point Financial Corp | 68.86m | 6.36m | 76.17m | 291.00 | 11.82 | 0.7028 | 8.95 | 1.27 | 1.27 | 1.27 | 11.94 | 21.35 | -- | -- | -- | -- | 0.4448 | 0.6198 | -- | -- | -- | -- | 10.63 | 14.37 | -- | -- | -- | 33.95 | 38.68 | 11.73 | -15.13 | 9.46 | 17.11 | 4.94 |
| Harleysville Financial Corp | 34.77m | 11.40m | 77.26m | 81.00 | 6.87 | -- | -- | 2.44 | 3.09 | 3.09 | 8.59 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 35.94 | 31.34 | -- | -- | -- | -- | 25.32 | 2.45 | 39.06 | 10.36 | -- | 5.51 |
| Community Bancorp | 48.99m | 12.79m | 81.86m | 120.00 | 6.35 | 0.9313 | 5.91 | 1.99 | 2.33 | 2.33 | 7.48 | 16.15 | -- | -- | -- | -- | 1.21 | 1.29 | -- | -- | -- | -- | 31.43 | 32.19 | -- | -- | -- | 38.06 | 26.37 | 10.01 | -2.65 | 9.92 | 47.43 | -0.8476 |
| ENB Financial Corp | 81.63m | 13.88m | 82.87m | 281.00 | 5.96 | 0.6802 | 5.20 | 1.22 | 2.45 | 2.45 | 12.03 | 21.49 | -- | -- | -- | -- | 0.715 | 0.8456 | -- | -- | -- | -- | 20.41 | 22.56 | -- | -- | -- | 28.15 | 39.17 | 16.37 | -15.42 | 4.89 | 7.97 | 3.41 |
| SR Bancorp Inc | 33.93m | -7.29m | 87.19m | 65.00 | -- | 0.4375 | -- | 2.57 | -0.7386 | -0.7386 | 3.88 | 20.96 | 0.0395 | -- | 18.95 | 522,046.20 | -0.8486 | -- | -4.05 | -- | -- | -- | -21.48 | -- | -- | 0.0771 | 0.8079 | -- | 19.12 | -- | -17.00 | -- | -- | -- |
| First Ottawa Bancshares Inc | 82.36m | 14.01m | 92.61m | 81.00 | 6.50 | 1.06 | -- | 1.64 | 15.57 | 15.57 | 62.60 | 95.75 | -- | -- | -- | -- | 0.9856 | 0.9416 | -- | -- | -- | -- | 24.86 | 21.13 | -- | -- | -- | 14.87 | 58.83 | 44.81 | 14.47 | 31.91 | 1.68 | -9.71 |
Data as of Jul 03 2024. Currency figures normalised to Old Point Financial Corp's reporting currency: US Dollar USD
33.64%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| PL Capital Advisors LLCas of 13 Jun 2024 | 720.86k | 14.20% |
| FJ Capital Management LLCas of 31 Mar 2024 | 360.02k | 7.09% |
| Old Point Trust & Financial Services, NA (Invt Mgmt)as of 31 Mar 2024 | 266.66k | 5.25% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 182.20k | 3.59% |
| Geode Capital Management LLCas of 31 Mar 2024 | 45.88k | 0.90% |
| Bridgeway Capital Management LLCas of 31 Mar 2024 | 33.54k | 0.66% |
| PBMares Wealth Management LLCas of 31 Mar 2024 | 30.64k | 0.60% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 28.34k | 0.56% |
| Fourthstone LLCas of 31 Mar 2024 | 20.79k | 0.41% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 18.56k | 0.37% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
