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Old Point Financial Corporation (OPOF)



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Upturn Advisory Summary
08/14/2025: OPOF (3-star) is a STRONG-BUY. BUY since 126 days. Profits (56.42%). Updated daily EoD!
Analysis of Past Performance
Type Stock | Historic Profit 86.08% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 in Phoebus, Virginia. It has grown from a small community bank to a regional financial institution serving the Hampton Roads area. The company has focused on providing personalized banking services and community support throughout its history.
Core Business Areas
- Community Banking: Provides a full range of retail and commercial banking services, including deposit accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Offers wealth management services, including financial planning, investment management, and trust services.
- Mortgage Services: Provides residential mortgage lending services.
Leadership and Structure
Robert F. Shuford, Jr. serves as the President and CEO. The company has a traditional corporate structure with a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes such as expansion, working capital, and equipment financing. Market share data is not publicly available. Competitors include larger regional and national banks.
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data is not publicly available. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not publicly available. Competitors include other local and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and increasing competition from fintech companies.
Positioning
Old Point Financial Corporation is a community-focused bank with a strong presence in the Hampton Roads area. Its competitive advantage lies in its local expertise and personalized customer service.
Total Addressable Market (TAM)
TAM for banking 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 by focusing on its local relationships and tailored services.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Long-standing community relationships
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Dependence on local economy
Opportunities
- Expansion into adjacent markets
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Organic growth within existing markets
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Hampton Roads area
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- Truist Financial (TFC)
- TowneBank (TOWN)
Competitive Landscape
Old Point Financial Corporation faces intense competition from larger national and regional banks. Its advantage lies in its local focus and personalized service, but it needs to innovate to compete with the larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Growth trends require financial data and specific query to retrieve.
Future Projections: Future projections require financial data and specific query to retrieve.
Recent Initiatives: Recent initiatives require financial data and specific query to retrieve.
Summary
Old Point Financial Corporation is a community-focused bank with a strong local presence. Its strength is its customer service and knowledge of the local market. However, it faces challenges from larger banks and fintech companies. Continued focus on technology and expansion into related financial services could improve its competitive positioning.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Public financial filings
- Industry reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data may be estimated due to limited availability.
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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