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Upturn AI SWOT - About
OPOF 
Old Point Financial Corporation (OPOF)
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Upturn Advisory Summary
06/27/2025: OPOF (3-star) is a STRONG-BUY. BUY since 93 days. Profits (49.10%). 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.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 77.37% | Avg. Invested days 46 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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 community bank into a diversified financial services company.
Core Business Areas
- Banking: Provides traditional banking services to individuals and businesses, including checking, savings, loans, and mortgages.
- Wealth Management: Offers investment advisory, trust, and estate planning services.
- Insurance: Provides insurance products and services.
Leadership and Structure
The leadership team includes Robert F. Shuford, Jr., President and CEO. The organizational structure is typical of a publicly traded financial holding company, with various departments overseeing banking, wealth management, and insurance operations.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is difficult to ascertain specifically for Old Point. Competitors include larger national and regional banks like Truist and Bank of America as well as other local community banks.
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Again, market share data is not readily available. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Wealth Management Services: Offers financial planning and investment management services to individuals and families. Revenue from this segment is part of the overall financial services revenue, not broken out specifically. Competitors include larger firms such as Edward Jones and smaller local advisors.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and heightened competition from non-traditional financial institutions.
Positioning
Old Point is positioned as a community-focused bank with a strong presence in the Hampton Roads region of Virginia. Its competitive advantage lies in its local knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for financial services in the Hampton Roads area is estimated to be in the billions of dollars. Old Point is positioned to capture a share of this market through its banking, wealth management, and insurance offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified revenue streams
- Strong customer relationships
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Reliance on local economy
- Higher Expense Ratio
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased demand for wealth management services
- Technological advances in banking
Threats
- Increased competition from national banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- TRU
- FHB
- WSFS
Competitive Landscape
Old Point faces intense competition from larger national banks and other community banks. Its advantages include local knowledge and customer service, while its disadvantages include limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth data is not available.
Future Projections: Future Projections data is not available.
Recent Initiatives: Recent Initiatives data is not available.
Summary
Old Point Financial Corporation is a community-focused bank with a strong presence in the Hampton Roads region. Its diversified revenue streams and experienced management team are strengths. However, it faces challenges from larger competitors and economic uncertainties and its TAM may not be reachable given the lack of market share. The lack of recent financial data makes a full summary hard to perform.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
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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