GICS Sector : Financial Services
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 for individual and commercial customers in Virginia.The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits.It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services.
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TowneBank and Old Point Financial Corporation Announce Expected Closing Date and Election Deadline for Merger
Aug -14
Old Point (OPOF) Q2 EPS Falls 52%
Aug -01
Old Point Releases Second Quarter 2025 Results
Jul -30
Old Point Announces Shareholder Approval for Merger
Jul -02
Old Point Financial Corporation Announces Quarterly Dividend
May -27
OPOF Q1 Earnings Rise Y/Y on NIM Gains, Deposit Growth, Stock up 2%
May -06
Old Point Releases First Quarter 2025 Results
Apr -30
The Zacks Analyst Blog T-Mobile, Salesforce, Alibaba and Old Point Financial
Apr -14
Growing demand for community banking services, increasing adoption of digital banking platforms, and a strong loan portfolio are expected to drive Old Point National Bank's growth.
Consolidated financial statements drive growth through accurate financial reporting, enabling informed investment decisions. Eliminations from Old Point Financial Corporation facilitate this process, fostering transparency and credibility, ultimately contributing to a forecasted CAGR of 4.5%.
Old Point Financial Corporation's growth is driven by increasing demand for financial services, expansion of digital banking, and strategic partnerships. The bank's focus on community development and small business lending also contributes to its growth.
Growing demand for personalized financial planning, increasing wealth among individuals and families, and the need for businesses to optimize their financial resources drive the growth of the wealth management segment.
Old Point Financial Corporation offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.
The company provides business banking services, including commercial loans, cash management, and treasury management solutions, to help businesses grow and succeed.
Old Point Financial Corporation offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.
The company provides wealth management services, including investment management, financial planning, and retirement planning, to help individuals and families achieve their long-term financial goals.
Old Point Financial Corporation offers a range of insurance products, including life insurance, disability insurance, and long-term care insurance, to help individuals and families protect their assets and loved ones.
Old Point Financial Corporation operates in a highly competitive market with many substitutes, but its strong brand recognition and customer loyalty help to mitigate this threat.
Old Point Financial Corporation's customers have significant bargaining power due to the availability of alternative financial institutions and online banking services.
Old Point Financial Corporation has a diverse supplier base, which reduces the bargaining power of individual suppliers, and the company's strong financial position also gives it negotiating power.
While there are barriers to entry in the financial services industry, new entrants can still disrupt the market, but Old Point Financial Corporation's established brand and customer base provide some protection.
The financial services industry is highly competitive, with many established players and new entrants vying for market share, which increases the intensity of rivalry for Old Point Financial Corporation.
| Value | |
|---|---|
| Debt Weight | 48.84% |
| Debt Cost | 5.31% |
| Equity Weight | 51.16% |
| Equity Cost | 5.31% |
| WACC | 5.31% |
| Leverage | 95.45% |
Value: 5.6
Growth: 6.3
Quality: 7.9
Yield: 1.0
Momentum: 9.0
Volatility: 7.3
1-Year Total Return ->
Value: 5.6
Growth: 5.9
Quality: 8.0
Yield: 1.0
Momentum: 8.5
Volatility: 8.0
1-Year Total Return ->
Value: 7.0
Growth: 3.6
Quality: 4.0
Yield: 3.0
Momentum: 9.5
Volatility: 5.3
1-Year Total Return ->
Value: 9.4
Growth: 5.6
Quality: 4.0
Yield: 5.0
Momentum: 1.5
Volatility: 6.0
1-Year Total Return ->
Value: 3.7
Growth: 5.4
Quality: 5.9
Yield: 3.0
Momentum: 5.0
Volatility: 7.3
1-Year Total Return ->
Value: 4.8
Growth: 1.9
Quality: 4.1
Yield: 4.0
Momentum: 8.5
Volatility: 2.7
1-Year Total Return ->