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Upturn AI SWOT - About
OPOF 
Old Point Financial Corporation (OPOF)
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Upturn Advisory Summary
08/29/2025: OPOF (3-star) is a STRONG-BUY. BUY since 137 days. Simulated Profits (57.21%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 87.01% | Avg. Invested days 54 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 203.84M USD | Price to earnings Ratio 20.37 | 1Y Target Price 15 |
Price to earnings Ratio 20.37 | 1Y Target Price 15 | ||
Volume (30-day avg) - | Beta -0.3 | 52 Weeks Range 14.05 - 40.95 | Updated Date 06/29/2025 |
52 Weeks Range 14.05 - 40.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.40% | Basic EPS (TTM) 1.96 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.21% | Operating Margin (TTM) 19.5% |
Management Effectiveness
Return on Assets (TTM) 0.69% | Return on Equity (TTM) 8.85% |
Valuation
Trailing PE 20.37 | Forward PE - | Enterprise Value 134445584 | Price to Sales(TTM) 3.32 |
Enterprise Value 134445584 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 4.34 | Enterprise Value to EBITDA - | Shares Outstanding 5105030 | Shares Floating 3089215 |
Shares Outstanding 5105030 | Shares Floating 3089215 | ||
Percent Insiders 18.81 | Percent Institutions 37.25 |
Upturn AI SWOT
Old Point Financial Corporation
Company Overview
History and Background
Old Point Financial Corporation was founded in 1923 and is headquartered in Hampton, Virginia. It has evolved from a small community bank to a diversified financial services company serving the Hampton Roads region.
Core Business Areas
- Banking Services: Provides a range of deposit accounts, loans, and other banking services to individuals and businesses.
- Wealth Management: Offers wealth management and investment services, including financial planning and trust services.
- Mortgage Services: Provides residential mortgage lending services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a community banking institution, with various departments overseeing different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, contributing significantly to revenue. Market share data not readily available. Competitors include larger regional and national banks like Bank of America (BAC) and Truist Financial (TFC).
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Market share data not readily available. Competitors include national mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not readily available. Competitors include local credit unions and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Old Point Financial Corporation is a community bank with a strong presence in the Hampton Roads region. Its competitive advantage lies in its local focus and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Hampton Roads region is estimated to be in the billions. Old Point Financial Corporation's positioning allows it to capture a portion of this market through its community focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified revenue streams
- Strong customer relationships
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Reliance on traditional banking model
- Operational efficiency
Opportunities
- Expanding into new markets within Virginia
- Acquiring smaller community banks
- Investing in technology to enhance customer experience
- Offering new and innovative financial products
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger banks and fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- BAC
- TFC
- PBCT
- CASH
Competitive Landscape
Old Point Financial Corporation faces competition from larger regional and national banks with greater resources and brand recognition. Its advantages include its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is unavailable. Consult Old Point Financial Corporation's annual reports for accurate data.
Future Projections: Future projections are unavailable. Analyst estimates should be consulted for projections.
Recent Initiatives: Recent initiatives are not readily available. Refer to press releases and investor relations for information about recent initiatives.
Summary
Old Point Financial Corporation is a community bank with a strong local presence, but it faces challenges from larger competitors and the changing banking landscape. Its strength lies in its customer relationships, while its weaknesses include its limited geographic reach. By investing in technology and expanding into new markets, it can improve long-term growth, but it also must be aware of economic downturns and increased regulations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data are based on estimates and publicly available information, which may not be completely accurate or up-to-date. Consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Point Financial Corporation
Exchange NASDAQ | Headquaters Hampton, VA, United States | ||
IPO Launch date 1999-01-11 | Chairman, CEO & President Mr. Robert F. Shuford Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 260 | Website https://www.oldpoint.com |
Full time employees 260 | Website https://www.oldpoint.com | ||
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia, the United States. It operates through Bank, Wealth, and Parent segments. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides loans, such as real estate construction, commercial, and mortgage loans that include residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans that are secured by collateral, such as inventory, accounts receivable, equipment, or other personal property. In addition, the company offers insurance products; retirement, estate, and financial planning services; estate and trust administration; retirement plan administration; tax and investment management services; wealth management; and cash management services. It serves businesses, individuals, and commercial customers. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.
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