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

FY2024 annual

Revenue $85.8M +6.6% YoY

Net Income $9.5M +23.0% YoY

EPS (Diluted) $1.88 +22.1% YoY

Free Cash Flow $13.2M +33.1% YoY

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

Old Point Finl (OPOF) reported $85.8M in revenue for fiscal year 2024, up 6.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI OPOF FY2024 2026-08-15

Old Point’s thin asset returns become workable shareholder earnings through heavy balance-sheet leverage and disciplined cash retention.

From FY2023 to FY2024, assets were essentially flat near $1.45B while net income rose to $9.5M. Operating cash flow also climbed to $14.6M, indicating more earnings were being extracted from an existing balance sheet, and it coincided with slightly lower liabilities and higher equity rather than added leverage.

Only $1.4M of capex sat against $14.6M of operating cash flow in FY2024, so physical reinvestment did not consume much of the year’s cash generation. The narrow gap between operating cash flow and free cash flow also suggests cash conversion was broadly real, and since FY2021 capex has stayed small enough that funding movements matter more than branch or equipment spending.

FY2024 return on assets was only 0.7%, but return on equity reached 8.3%. That spread is the signature of a liability-funded balance sheet, and leverage eased from 12.5x in FY2023 to 11.7x in FY2024, so the stronger equity return was not achieved by simply layering on more balance-sheet risk.

Financial Health Signals

Financial Health Score 28/100

Scored as: Banks peer group

Scored against banks for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Old Point Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Old Point Finl, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/6

Old Point Finl passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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

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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.

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%

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.

EBITDA

Not reported for fiscal year 2024.

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 as of fiscal year 2024; long-term debt is not reported for that period.

Dividends Per Share

$0.56

YoY0.0%

5Y CAGR+3.1%

Old Point Finl paid $0.56 per share in dividends in fiscal year 2024. That is unchanged from the prior year.

Shares Outstanding

YoY+0.8%

5Y CAGR-0.5%

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

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2024.

Operating Margin

Not reported for fiscal year 2024.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2024.

Share Buybacks

Not reported for fiscal year 2024.

OPOF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OPOF annual income statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Revenue	$85.6M	$85.8M+6.6%	$80.5M+30.8%	$61.5M+7.7%	$57.1M+4.4%	$54.7M+0.7%	$54.3M+5.4%	$51.5M+11.4%	$46.2M+6.8%	$43.3M-0.3%	$43.4M+1.2%	$42.9M+0.8%	$42.6M-10.4%	$47.5M-1.9%	$48.4M+18.5%	$40.9M
SG&A Expenses	$29.9M	$30.0M-1.3%	$30.4M+12.5%	$27.1M+6.7%	$25.4M-0.6%	$25.5M+6.2%	$24.0M+6.4%	$22.6M+8.2%	$20.9M+5.0%	$19.9M-4.2%	$20.7M+4.3%	$19.9M+4.1%	$19.1M-6.1%	$20.3M+6.3%	$19.1M+4.6%	$18.3M
Interest Expense	$23.0M	$24.2M+31.3%	$18.4M+411.2%	$3.6M+4.3%	$3.5M-34.7%	$5.3M-17.6%	$6.4M+29.2%	$5.0M+65.0%	$3.0M+17.0%	$2.6M-29.1%	$3.6M-5.6%	$3.8M-17.8%	$4.7M-18.9%	$5.8M-14.0%	$6.7M-32.7%	$10.0M
Income Tax	$2.0M	$1.9M+42.2%	$1.3M-9.5%	$1.5M+13.7%	$1.3M+148.8%	$521K-51.8%	$1.1M+287.1%	$279K+387.6%	-$97K-160.6%	$160K+196.3%	$54K-72.4%	$196K-43.7%	$348K-65.0%	$995K-6.4%	$1.1M+613.4%	$149K
Net Income	$8.7M	$9.5M+23.0%	$7.7M-15.1%	$9.1M+7.9%	$8.4M+56.6%	$5.4M-31.4%	$7.9M+59.8%	$4.9M+17062.1%	-$29K-100.8%	$3.8M+4.5%	$3.6M-11.7%	$4.1M+30.1%	$3.2M-24.5%	$4.2M+27.3%	$3.3M+112.7%	$1.5M
EPS (Diluted)	—	$1.88+22.1%	$1.54-14.4%	$1.80+11.8%	$1.61+56.3%	$1.03-31.8%	$1.51+57.3%	$0.96	-$0.01	$0.77+5.5%	$0.73-12.0%	$0.83+29.7%	$0.64-23.8%	$0.84+27.3%	$0.66+112.9%	$0.31

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
SG&A Expenses	$7.5M+2.1%	$7.3M-3.9%	$7.6M+3.5%	$7.4M+2.6%	$7.2M-8.1%	$7.8M+8.9%	$7.2M-8.1%	$7.8M
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

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2024 through Q2 FY2025, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

OPOF Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OPOF annual balance sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Total Assets	$1.5B+0.3%	$1.4B+6.7%	$1.4B+1.3%	$1.3B+9.1%	$1.2B+16.3%	$1.1B+1.6%	$1.0B+5.7%	$981.8M+8.7%	$903.0M+0.7%	$896.8M+2.3%	$876.3M+1.4%	$864.3M-4.8%	$907.5M+6.8%	$849.5M-4.2%	$886.8M
Cash & Equivalents	$140.0M+73.3%	$80.8M+283.6%	$21.1M-88.8%	$187.9M+56.0%	$120.4M+34.0%	$89.9M+351.2%	$19.9M+48.4%	$13.4M-38.7%	$21.9M-34.7%	$33.5M+7.8%	$31.1M+163.4%	$11.8M-26.2%	$16.0M+67.8%	$9.5M-33.0%	$14.2M
Goodwill	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M0.0%	$1.6M+165.7%	$621K	$0	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.3B-0.2%	$1.3B+6.6%	$1.3B+3.2%	$1.2B+9.8%	$1.1B+17.4%	$944.7M+0.9%	$936.2M+5.7%	$885.4M+9.5%	$809.0M+0.7%	$803.6M+2.0%	$787.8M+0.5%	$783.5M-4.2%	$818.2M+7.1%	$763.6M-5.2%	$805.9M
Total Equity	$114.0M+6.7%	$106.8M+8.1%	$98.7M-18.3%	$120.8M+3.1%	$117.1M+6.7%	$109.8M+7.6%	$102.0M+5.8%	$96.4M+2.6%	$94.0M+0.9%	$93.2M+5.3%	$88.5M+9.6%	$80.8M-9.6%	$89.3M+4.0%	$85.9M+6.1%	$81.0M
Retained Earnings	$88.5M+7.6%	$82.3M+5.3%	$78.1M+9.0%	$71.7M+8.8%	$65.9M+4.6%	$63.0M+9.3%	$57.6M+5.2%	$54.7M-3.9%	$57.0M+3.3%	$55.2M+3.7%	$53.2M+5.6%	$50.4M+4.3%	$48.3M+7.1%	$45.1M+5.4%	$42.8M

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
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
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
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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

OPOF Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OPOF annual cash flow statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Operating Cash Flow	$13.7M	$14.6M+33.2%	$11.0M-37.4%	$17.6M-24.2%	$23.2M+368.4%	-$8.6M-169.8%	$12.4M+1.8%	$12.2M+28.8%	$9.4M+9.1%	$8.7M+10.5%	$7.8M-21.9%	$10.0M+17.8%	$8.5M-12.9%	$9.8M+4.1%	$9.4M+231.5%	$2.8M
Capital Expenditures	-$217K	$1.4M+34.0%	$1.1M-22.2%	$1.4M-10.6%	$1.5M+63.9%	$924K-48.1%	$1.8M+272.8%	$478K-22.8%	$619K-30.5%	$891K-49.3%	$1.8M-53.9%	$3.8M-65.0%	$10.9M+162.4%	$4.1M+68.3%	$2.5M+112.6%	$1.2M
Free Cash Flow	$12.5M	$13.2M+33.1%	$9.9M-38.7%	$16.2M-25.2%	$21.7M+326.6%	-$9.6M-190.3%	$10.6M-9.3%	$11.7M+32.4%	$8.8M+13.6%	$7.8M+27.7%	$6.1M-2.4%	$6.2M+363.3%	-$2.4M-142.0%	$5.6M-18.8%	$6.9M+313.9%	$1.7M
Investing Cash Flow	$25.5M	$50.7M+256.8%	-$32.3M+84.9%	-$213.4M-251.5%	-$60.7M+50.3%	-$122.2M-519.6%	$29.1M+142.2%	$12.0M+112.2%	-$98.4M-316.2%	-$23.6M-53.4%	-$15.4M	N/A	$15.6M+134.7%	-$45.0M-249.8%	$30.0M+145.2%	$12.3M
Financing Cash Flow	-$31.3M	-$6.1M-107.5%	$81.1M+198.0%	$27.2M-74.1%	$105.0M-34.9%	$161.4M+2526.5%	$6.1M+69.6%	$3.6M-95.3%	$77.5M+1913.8%	$3.8M-65.8%	$11.3M	N/A	-$35.1M-166.7%	$52.7M+222.5%	-$43.0M-25.4%	-$34.3M
Dividends Paid	$2.9M	$2.8M+0.7%	$2.8M+6.7%	$2.6M+0.8%	$2.6M+4.6%	$2.5M+0.4%	$2.5M+10.3%	$2.3M+2.9%	$2.2M+10.8%	$2.0M+17.6%	$1.7M+30.8%	$1.3M+18.0%	$1.1M+10.2%	$991K0.0%	$991K-19.6%	$1.2M
Share Buybacks	N/A	N/A	$0-100.0%	$6.7M+4336.7%	$150K	$0	N/A	$0-100.0%	$157K	$0	$0	N/A	$0	$0	$0-100.0%	$41K

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-76.4%	-$704K+329.3%	$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

Margins and returns are percentages; the remaining ratios are unitless multiples.

OPOF annual financial ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Net Margin	11.1%+1.5pp	9.6%-5.2pp	14.8%0.0pp	14.8%+4.9pp	9.8%-4.6pp	14.5%+4.9pp	9.6%+9.6pp	-0.1%-8.8pp	8.8%+0.4pp	8.4%-1.2pp	9.6%+2.2pp	7.4%-1.4pp	8.8%+2.0pp	6.8%+3.0pp	3.8%
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%+2.3pp	4.8%+4.9pp	0.0%-4.1pp	4.0%+0.1pp	3.9%-0.8pp	4.7%+0.7pp	3.9%-0.8pp	4.7%+0.9pp	3.8%+1.9pp	1.9%
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%+0.3pp	0.5%+0.5pp	0.0%-0.4pp	0.4%0.0pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.1pp	0.5%+0.1pp	0.4%+0.2pp	0.2%
Debt-to-Equity	11.73-0.8x	12.55-0.2x	12.73+2.7x	10.08+0.6x	9.47+0.9x	8.61-0.6x	9.180.0x	9.19+0.6x	8.610.0x	8.62-0.3x	8.90-0.8x	9.70+0.5x	9.16+0.3x	8.89-1.1x	9.96
FCF Margin	15.4%+3.1pp	12.3%-14.0pp	26.3%-11.6pp	37.9%+55.4pp	-17.5%-37.0pp	19.5%-3.2pp	22.7%+3.6pp	19.1%+1.1pp	17.9%+3.9pp	14.0%-0.5pp	14.5%+20.1pp	-5.5%-17.4pp	11.8%-2.5pp	14.3%+10.2pp	4.1%

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
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%
Debt-to-Equity	10.87-0.5x	11.38-0.3x	11.73-0.1x	11.80-0.1x	11.94-0.5x	12.43-0.1x	12.55-1.0x	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%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Old Point Finl Ranks

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 28 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.