What is Old Point Finl's earnings per share (EPS)?

Old Point Finl (OPOF) reported diluted earnings per share of $1.88 for fiscal year 2024. This represents a 22.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Old Point Finl Financials

OPOF

Source SEC Filings (10-K/10-Q) Updated Jun 30, 2025 Currency USD FYE December

This page shows Old Point Finl (OPOF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 34/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Old Point Finl's revenue grew 6.6% year-over-year to $85.8M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

Old Point Finl has elevated debt relative to equity (D/E of 11.73), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Old Point Finl has a free cash flow margin of 15.4%, earning a moderate score of 64/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Old Point Finl's ROE of 8.3% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 7.2% the prior year.

Piotroski F-Score Neutral

5/9

Old Point Finl passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.54x

For every $1 of reported earnings, Old Point Finl generates $1.54 in operating cash flow ($14.6M OCF vs $9.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$85.8M

YoY+6.6%

5Y CAGR+9.6%

10Y CAGR+7.2%

Old Point Finl generated $85.8M in revenue in fiscal year 2024. This represents an increase of 6.6% from the prior year.

EBITDA

N/A

Net Income

$9.5M

YoY+23.0%

5Y CAGR+3.9%

10Y CAGR+8.7%

Old Point Finl reported $9.5M in net income in fiscal year 2024. This represents an increase of 23.0% from the prior year.

EPS (Diluted)

$1.88

YoY+22.1%

5Y CAGR+4.5%

10Y CAGR+8.5%

Old Point Finl earned $1.88 per diluted share (EPS) in fiscal year 2024. This represents an increase of 22.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$13.2M

YoY+33.1%

5Y CAGR+4.6%

10Y CAGR+7.8%

Old Point Finl generated $13.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 33.1% from the prior year.

Cash & Debt

$140.0M

YoY+73.3%

5Y CAGR+9.3%

10Y CAGR+16.2%

Old Point Finl held $140.0M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.56

YoY+0.0%

5Y CAGR+3.1%

10Y CAGR+8.0%

Old Point Finl paid $0.56 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.8%

5Y CAGR-0.5%

10Y CAGR+0.2%

Old Point Finl had 5M shares outstanding in fiscal year 2024. This represents an increase of 0.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.1%

YoY+1.5pp

5Y CAGR-3.4pp

10Y CAGR+1.5pp

Old Point Finl's net profit margin was 11.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.5 percentage points from the prior year.

Return on Equity

8.3%

YoY+1.1pp

5Y CAGR+1.2pp

10Y CAGR+3.7pp

Old Point Finl's ROE was 8.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.4M

YoY+34.0%

5Y CAGR-4.6%

10Y CAGR-9.4%

Old Point Finl invested $1.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 34.0% from the prior year.

OPOF Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$85.8M+6.6%	$80.5M+30.8%	$61.5M+7.7%	$57.1M+4.4%	$54.7M+0.7%	$54.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$24.2M+31.3%	$18.4M+411.2%	$3.6M+4.3%	$3.5M-34.7%	$5.3M-17.6%	$6.4M
Income Tax	$1.9M+42.2%	$1.3M-9.5%	$1.5M+13.7%	$1.3M+148.8%	$521K-51.8%	$1.1M
Net Income	$9.5M+23.0%	$7.7M-15.1%	$9.1M+7.9%	$8.4M+56.6%	$5.4M-31.4%	$7.9M
EPS (Diluted)	$1.88+22.1%	$1.54-14.4%	$1.80+11.8%	$1.61+56.3%	$1.03-31.8%	$1.51

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$20.8M-1.5%	$21.1M-2.2%	$21.6M-1.6%	$22.0M+1.9%	$21.6M+4.8%	$20.6M-3.8%	$21.4M+3.7%	$20.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.4M+1.9%	$5.3M-13.7%	$6.1M-1.2%	$6.2M+3.5%	$6.0M+2.7%	$5.8M-3.8%	$6.1M+5.4%	$5.8M
Income Tax	$354K-33.6%	$533K+21.7%	$438K-39.5%	$724K+53.1%	$473K+80.5%	$262K-13.0%	$301K+88.1%	$160K
Net Income	$1.2M-42.4%	$2.2M-25.1%	$2.9M+20.9%	$2.4M-5.8%	$2.5M+47.3%	$1.7M+15.8%	$1.5M+8.9%	$1.4M
EPS (Diluted)	$0.24-42.9%	$0.42	N/A	$0.47-6.0%	$0.50+47.1%	$0.34	N/A	$0.27

OPOF Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.5B+0.3%	$1.4B+6.7%	$1.4B+1.3%	$1.3B+9.1%	$1.2B+16.3%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$140.0M+73.3%	$80.8M+283.6%	$21.1M-88.8%	$187.9M+56.0%	$120.4M+34.0%	$89.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M
Total Liabilities	$1.3B-0.2%	$1.3B+6.6%	$1.3B+3.2%	$1.2B+9.8%	$1.1B+17.4%	$944.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$114.0M+6.7%	$106.8M+8.1%	$98.7M-18.3%	$120.8M+3.1%	$117.1M+6.7%	$109.8M
Retained Earnings	$88.5M+7.6%	$82.3M+5.3%	$78.1M+9.0%	$71.7M+8.8%	$65.9M+4.6%	$63.0M

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$1.4B-3.3%	$1.5B0.0%	$1.5B-1.9%	$1.5B+3.8%	$1.4B-1.5%	$1.4B-0.1%	$1.4B0.0%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$100.7M-25.9%	$135.9M-3.0%	$140.0M-20.8%	$176.9M+90.7%	$92.7M-0.6%	$93.3M+15.5%	$80.8M+1.6%	$79.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M
Total Liabilities	$1.3B-3.7%	$1.3B-0.2%	$1.3B-1.9%	$1.4B+3.7%	$1.3B-1.8%	$1.3B-0.1%	$1.3B-0.6%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$118.1M+0.8%	$117.2M+2.8%	$114.0M-1.3%	$115.5M+5.0%	$110.0M+2.2%	$107.6M+0.8%	$106.8M+7.3%	$99.5M
Retained Earnings	$90.5M+0.6%	$89.9M+1.6%	$88.5M+2.5%	$86.3M+1.6%	$85.0M+2.1%	$83.3M+1.2%	$82.3M+1.2%	$81.3M

OPOF Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$14.6M+33.2%	$11.0M-37.4%	$17.6M-24.2%	$23.2M+368.4%	-$8.6M-169.8%	$12.4M
Capital Expenditures	$1.4M+34.0%	$1.1M-22.2%	$1.4M-10.6%	$1.5M+63.9%	$924K-48.1%	$1.8M
Free Cash Flow	$13.2M+33.1%	$9.9M-38.7%	$16.2M-25.2%	$21.7M+326.6%	-$9.6M-190.3%	$10.6M
Investing Cash Flow	$50.7M+256.8%	-$32.3M+84.9%	-$213.4M-251.5%	-$60.7M+50.3%	-$122.2M-519.6%	$29.1M
Financing Cash Flow	-$6.1M-107.5%	$81.1M+198.0%	$27.2M-74.1%	$105.0M-34.9%	$161.4M+2526.5%	$6.1M
Dividends Paid	$2.8M+0.7%	$2.8M+6.7%	$2.6M+0.8%	$2.6M+4.6%	$2.5M+0.4%	$2.5M
Share Buybacks	N/A	$0-100.0%	$6.7M+4336.7%	$150K	$0	N/A

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$1.7M-23.1%	$2.2M-35.1%	$3.3M-49.2%	$6.6M+586.0%	$958K-74.6%	$3.8M+25.8%	$3.0M+2.6%	$2.9M
Capital Expenditures	$157K-5.4%	$166K+123.6%	-$704K-529.3%	$164K-85.8%	$1.2M+44.2%	$799K+375.6%	$168K-57.8%	$398K
Free Cash Flow	$1.5M-24.6%	$2.0M-24.1%	$2.6M-58.9%	$6.4M+3403.1%	-$194K-106.5%	$3.0M+5.0%	$2.8M+12.1%	$2.5M
Investing Cash Flow	$12.5M+381.1%	-$4.5M+67.6%	-$13.8M-144.2%	$31.2M+64.4%	$19.0M+32.9%	$14.3M+180.9%	$5.1M-67.4%	$15.6M
Financing Cash Flow	-$49.4M-2565.5%	-$1.9M+93.0%	-$26.4M-156.9%	$46.3M+305.5%	-$22.5M-544.4%	-$3.5M+48.7%	-$6.8M-235.2%	$5.0M
Dividends Paid	$714K-0.1%	$715K+0.6%	$711K0.0%	$711K0.0%	$711K+0.9%	$705K-0.1%	$706K0.0%	$706K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0

OPOF Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.1%+1.5pp	9.6%-5.2pp	14.8%+0.0pp	14.8%+4.9pp	9.8%-4.6pp	14.5%
Return on Equity	8.3%+1.1pp	7.2%-2.0pp	9.2%+2.2pp	7.0%+2.4pp	4.6%-2.6pp	7.2%
Return on Assets	0.7%+0.1pp	0.5%-0.1pp	0.7%+0.0pp	0.6%+0.2pp	0.4%-0.3pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.73-0.8	12.55-0.2	12.73+2.7	10.08+0.6	9.47+0.9	8.61
FCF Margin	15.4%+3.1pp	12.3%-14.0pp	26.3%-11.6pp	37.9%+55.4pp	-17.5%-37.0pp	19.5%

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.0%-4.2pp	10.2%-3.1pp	13.3%+2.5pp	10.8%-0.9pp	11.7%+3.4pp	8.3%+1.4pp	6.9%+0.3pp	6.6%
Return on Equity	1.1%-0.8pp	1.8%-0.7pp	2.5%+0.5pp	2.1%-0.2pp	2.3%+0.7pp	1.6%+0.2pp	1.4%+0.0pp	1.4%
Return on Assets	0.1%-0.1pp	0.1%-0.1pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.1%+0.0pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.87-0.5	11.38-0.3	11.73-0.1	11.80-0.1	11.94-0.5	12.43-0.1	12.55-1.0	13.54
FCF Margin	7.2%-2.2pp	9.4%-2.7pp	12.2%-17.0pp	29.1%+30.0pp	-0.9%-15.4pp	14.5%+1.2pp	13.2%+1.0pp	12.2%

Similar Companies

Virginia Natl Bankshares Corp VABK

$209.3M

$245.6M

$209.3M

$239.1M

$343.1M

Frequently Asked Questions

What is Old Point Finl's annual revenue?

Old Point Finl (OPOF) reported $85.8M in total revenue for fiscal year 2024. This represents a 6.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Old Point Finl's revenue growing?

Old Point Finl (OPOF) revenue grew by 6.6% year-over-year, from $80.5M to $85.8M in fiscal year 2024.

Is Old Point Finl profitable?

Yes, Old Point Finl (OPOF) reported a net income of $9.5M in fiscal year 2024, with a net profit margin of 11.1%.

What is Old Point Finl's net profit margin?

Old Point Finl (OPOF) had a net profit margin of 11.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Old Point Finl pay dividends?

Yes, Old Point Finl (OPOF) paid $0.56 per share in dividends during fiscal year 2024.

What is Old Point Finl's return on equity (ROE)?

Old Point Finl (OPOF) has a return on equity of 8.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Old Point Finl's free cash flow?

Old Point Finl (OPOF) generated $13.2M in free cash flow during fiscal year 2024. This represents a 33.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Old Point Finl's operating cash flow?

Old Point Finl (OPOF) generated $14.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Old Point Finl's total assets?

Old Point Finl (OPOF) had $1.5B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Old Point Finl's capital expenditures?

Old Point Finl (OPOF) invested $1.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Old Point Finl have outstanding?

Old Point Finl (OPOF) had 5M shares outstanding as of fiscal year 2024.

What is Old Point Finl's debt-to-equity ratio?

Old Point Finl (OPOF) had a debt-to-equity ratio of 11.73 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Old Point Finl's return on assets (ROA)?

Old Point Finl (OPOF) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Old Point Finl's Piotroski F-Score?

Old Point Finl (OPOF) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Old Point Finl's earnings high quality?

Old Point Finl (OPOF) has an earnings quality ratio of 1.54x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Old Point Finl?

Old Point Finl (OPOF) scores 34 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.