Old Point Finl Financials

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.

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

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

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

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

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.

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.

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

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

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

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

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.

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.

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.

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.

Old Point Finl (OPOF) scores 39 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.