Old Point Financial Stock Fundamentals
| OPOF Stock | USD 21.82 0.17 0.79% |
Old Point Financial fundamentals help investors to digest information that contributes to Old Point's financial success or failures. It also enables traders to predict the movement of Old Stock. The fundamental analysis module provides a way to measure Old Point's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Old Point stock.
At this time, Old Point's Operating Income is most likely to increase significantly in the upcoming years. The Old Point's current Total Operating Expenses is estimated to increase to about 46.8 M, while Selling General Administrative is projected to decrease to roughly 18.6 M. Old | Select Account or Indicator |
Old Point Financial Company Return On Equity Analysis
Old Point's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current Old Point Return On Equity | 0.0755 |
Most of Old Point's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Old Point Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
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Old Total Stockholder Equity
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Based on the latest financial disclosure, Old Point Financial has a Return On Equity of 0.0755. This is 94.79% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 124.35% lower than that of the firm.
Old Point Financial Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Old Point's current stock value. Our valuation model uses many indicators to compare Old Point value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Old Point competition to find correlations between indicators driving Old Point's intrinsic value. More Info.Old Point Financial is regarded fourth in return on equity category among its peers. It also is regarded fourth in return on asset category among its peers reporting about 0.07 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Old Point Financial is roughly 13.48 . At this time, Old Point's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Old Point by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Old Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Old Point's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Old Point could also be used in its relative valuation, which is a method of valuing Old Point by comparing valuation metrics of similar companies.Old Point is currently under evaluation in return on equity category among its peers.
Old Point Current Valuation Drivers
We derive many important indicators used in calculating different scores of Old Point from analyzing Old Point's financial statements. These drivers represent accounts that assess Old Point's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Old Point's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 142.9M | 98.9M | 122.4M | 90.1M | 81.1M | 60.2M | |
| Enterprise Value | 95.9M | (20.2M) | (25.4M) | 178.1M | 160.3M | 168.3M |
Old Point ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Old Point's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Old Point's managers, analysts, and investors.Environmental | Governance | Social |
Old Fundamentals
| Return On Equity | 0.0755 | ||||
| Return On Asset | 0.0056 | ||||
| Profit Margin | 0.14 % | ||||
| Operating Margin | 0.20 % | ||||
| Current Valuation | 5.48 M | ||||
| Shares Outstanding | 5.08 M | ||||
| Shares Owned By Insiders | 23.83 % | ||||
| Shares Owned By Institutions | 36.13 % | ||||
| Number Of Shares Shorted | 2.39 K | ||||
| Price To Earning | 16.62 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 1.86 X | ||||
| Revenue | 59.47 M | ||||
| Gross Profit | 56.24 M | ||||
| EBITDA | 533 K | ||||
| Net Income | 7.73 M | ||||
| Cash And Equivalents | 86.82 M | ||||
| Cash Per Share | 17.31 X | ||||
| Total Debt | 102.75 M | ||||
| Debt To Equity | 8.63 % | ||||
| Book Value Per Share | 22.74 X | ||||
| Cash Flow From Operations | 11 M | ||||
| Short Ratio | 0.99 X | ||||
| Earnings Per Share | 1.61 X | ||||
| Target Price | 15.0 | ||||
| Number Of Employees | 291 | ||||
| Beta | 0.29 | ||||
| Market Capitalization | 110.8 M | ||||
| Total Asset | 1.45 B | ||||
| Retained Earnings | 82.28 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.10 % | ||||
| Net Asset | 1.45 B | ||||
| Last Dividend Paid | 0.56 |
About Old Point Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Old Point Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Old Point using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Old Point Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 59.5 M | 35.3 M | |
| Cost Of Revenue | 4.1 M | 7.5 M | |
| Stock Based Compensation To Revenue | 0.01 | 0.01 | |
| Sales General And Administrative To Revenue | 0.53 | 0.77 | |
| Capex To Revenue | 0.02 | 0.02 | |
| Revenue Per Share | 11.84 | 12.43 | |
| Ebit Per Revenue | 0.25 | 0.24 |
Currently Active Assets on Macroaxis
When determining whether Old Point Financial is a strong investment it is important to analyze Old Point's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Old Point's future performance. For an informed investment choice regarding Old Stock, refer to the following important reports:Check out Old Point Piotroski F Score and Old Point Altman Z Score analysis. You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Old Point. If investors know Old will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Old Point listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.738 | Dividend Share 0.56 | Earnings Share 1.61 | Revenue Per Share 11.771 | Quarterly Revenue Growth 0.076 |
The market value of Old Point Financial is measured differently than its book value, which is the value of Old that is recorded on the company's balance sheet. Investors also form their own opinion of Old Point's value that differs from its market value or its book value, called intrinsic value, which is Old Point's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Old Point's market value can be influenced by many factors that don't directly affect Old Point's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Old Point's value and its price as these two are different measures arrived at by different means. Investors typically determine if Old Point is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Old Point's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.