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Old Point Financial
OPOF.US
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.
642.32 B
OPOF.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking0/305
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE7.59%B
    • Profit Margin14.20%B
    • Gross Margin0.00%E
  • Growth ScoreC
    • Revenue YoY4.45%C
    • Net Profit YoY22.15%B
    • Total Assets YoY-1.46%D
    • Net Assets YoY7.40%B
  • Cash ScoreC
    • Cash Flow Margin704.27%B
    • OCF YoY4.45%C
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

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    News
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    TowneBank Announces Completion of Old Point Financial Corporation Merger | TOWN Stock News

    TowneBank has completed its merger with Old Point Financial Corporation, enhancing its position in the Hampton Roads area. The merger, effective September 1, 2025, includes Old Point National Bank merging into TowneBank, with locations operating as "Old Point National Bank, a Division of TowneBank" until February 2026. Former Old Point CEO Robert F. Shuford, Jr. will serve as a senior executive vice president and chairman of the TowneBank Peninsula board starting January 1, 2026. TowneBank, founded in 1999, operates over 50 banking offices and has total assets of $18.26 billion as of June 30, 2025.

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    Old Point Financial | 10-Q: FY2025 Q2 EPS: USD 0.24

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    Old Point Financial (NASDAQ:OPOF) Lowered to "Sell" Rating by Wall Street Zen

    Wall Street Zen downgraded Old Point Financial (NASDAQ:OPOF) from a "hold" to a "sell" rating in a recent report. The stock opened at $39.87, with a 52-week range of $17.02 to $41.61. The company reported $0.43 EPS and $15.43 million in revenue for the last quarter. Hedge funds own 33.43% of the stock, with several institutions recently increasing their positions. Despite the downgrade, analysts have identified five other stocks as better investment options than Old Point Financial.

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    Old Point Financial | 8-K: FY2025 Q2 EPS: USD 0.24

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    Old Point Financial Q2 2025 Net Income Drops to $1.2M, EPS Falls to $0.24

    Old Point Financial Corporation reported a Q2 2025 net income of $1.2 million and EPS of $0.24, down from $2.2 million and $0.42 in Q1 2025, and $2.5 million and $0.50 in Q2 2024. For the first half of 2025, net income was $3.4 million, compared to $4.2 million in 2024. Adjusted operating earnings were $2.2 million, or $0.43 per share. The company also announced a merger with TowneBank, aiming for enhanced growth and shareholder value.

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