Old Point Financial Corp. (OPOF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

LCNB Corp.

Richmond Mutual Bancorporation, Inc.

Northeast Community Bancorp, Inc.

National Bankshares, Inc.

The First Bancorp, Inc. (Maine)

Landmark Bancorp, Inc. (Kansas)

Old Point Financial Corp.

The First of Long Island Corp.

Evans Bancorp, Inc.

Community West Bancshares

Why is Old Point Financial Corp. ?

High Profitability with a Net Interest Margin of 5.50%

Strong Long Term Fundamental Strength with a 7.49% CAGR growth in Net Profits

The company has declared Positive results for the last 3 consecutive quarters

OPERATING CASH FLOW(Y) Highest at USD 13.74 MM
GROSS NPA (%)(Q) Lowest at 0.1%
DIVIDEND PAYOUT RATIO(Y) Highest at 57.52%

With ROA of 0.54%, it has a fair valuation with a 1.72 Price to Book Value

Over the past year, while the stock has generated a return of 123.34%, its profits have risen by 59.8% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 39.72%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 123.34% in the last 1 year, much higher than market (S&P 500) returns of 17.72%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Old Point Financial Corp. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Old Point Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Old Point Financial Corp.

123.34%

4.78

38.54%

S&P 500

13.22%

0.89

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.37%

EBIT Growth (5y)

11.48%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

29.83%

Pledged Shares

Institutional Holding

39.72%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.72

EV to EBIT

13.18

EV to EBITDA

10.52

EV to Capital Employed

2.81

EV to Sales

1.80

PEG Ratio

0.34

Dividend Yield

1.05%

ROCE (Latest)

21.32%

ROE (Latest)

8.67%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 13.74 MM

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Highest at 57.52%

-6What is not working for the Company

OPERATING PROFIT(Q)

Lowest at USD 2.57 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 14.64 %

PRE-TAX PROFIT(Q)

Lowest at USD 2.57 MM

NET PROFIT(Q)

Lowest at USD 2 MM

EPS(Q)

Lowest at USD 0.24

Here's what is working for Old Point Financial Corp.

Non Performing Loans (%)

Lowest at 0.1%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 13.74 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 57.52%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 13.29%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Old Point Financial Corp.

Operating Profit

Lowest at USD 2.57 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 14.64 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 2.57 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Net Profit

At USD 2 MM has Fallen at -21.19%

over average net sales of the previous four periods of USD 2.54 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.24

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)