OPOF Factor Report

Data as of market close on: 7/25/2025.

Fundamental analysis of OPOF using the major investing factors, including value, quality, momentum, and low volatility.
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OLD POINT FINANCIAL CORP (OPOF) Fundamentals

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Latest Close: $40.58 Market Cap ($ mil): $207 Sector: Financial Industry: Money Center Banks 52 Week High: $41.61 52 Week Low: $17.00 Relative Strength: 93 Twelve Minus One Return: 130.3% Standard Deviation: N/A Insider Ownership: 18.81%
PE Ratio: 20.7 Price/Sales: 3.3 Price/Book: 1.8 Price/Cash Flow: 16.6 EV/EBITDA: 13.06 Dividend Yield: 1.38% Shareholder Yield: 1.23% Piotroski F Score: 4 Mohanram G Score: 3 Institutional Ownership: 37.42%
Return on Equity: 8.9% Return on Assets: 0.7% Return on Tangible Capital: N/A Return on Invested Capital: 0.0% WACC: 7.0% Debt/Equity: 0.25 LT EPS Growth: 8.7% LT Sales Growth: 5.4% Beta: -0.32 Profit Margin: 15.96%
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. (Wealth). The Bank serves individual and commercial customers, the majority of which are in the Hampton Roads region of Virginia. 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. A full array of insurance products is also offered through Old Point Insurance, LLC in partnership with Morgan Marrow Company. Wealth offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. The Bank operates 13 branch offices, serving the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake and others.

Factor Profile

OPOF's exposure to the major factors (100 is highest).

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