Is Old Point Stock a Good Investment?
Old Point Investment Advice | OPOF |
- Examine Old Point's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Old Point's leadership team and their track record. Good management can help Old Point navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Old Point's business and its evolving consumer preferences.
- Compare Old Point's performance and market position to its competitors. Analyze how Old Point is positioned in terms of product offerings, innovation, and market share.
- Check if Old Point pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Old Point's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Old Point Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Old Point Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Old Point Stock
Researching Old Point's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 19.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.8. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Old Point Financial last dividend was issued on the 9th of June 2025. The entity had 5:4 split on the 2nd of October 2007.
To determine if Old Point is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Old Point's research are outlined below:
| About 19.0% of the company outstanding shares are owned by corporate insiders | |
| On 30th of June 2025 Old Point paid $ 0.14 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Old Point Financial Raised to Hold at Wall Street Zen |
Old Point Quarterly Gross Profit |
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Old Point uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Old Point Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Old Point's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View |
Know Old Point's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Old Point is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Old Point Financial backward and forwards among themselves. Old Point's institutional investor refers to the entity that pools money to purchase Old Point's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Bridgeway Capital Management, Llc | 2025-03-31 | 19.6 K | Empowered Funds, Llc | 2025-03-31 | 19.5 K | Northern Trust Corp | 2025-03-31 | 18.6 K | Morgan Stanley - Brokerage Accounts | 2025-03-31 | 13.8 K | Jane Street Group Llc | 2025-03-31 | 13.1 K | State Street Corp | 2025-03-31 | 12.3 K | Goldman Sachs Group Inc | 2025-03-31 | 11.3 K | Ubs Group Ag | 2025-03-31 | 9.4 K | Hrt Financial Llc | 2025-03-31 | 7.6 K | Pl Capital Advisors, Llc | 2025-03-31 | 720.9 K | Fourthstone Llc | 2025-03-31 | 319.7 K |
Old Point's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 210.43 M.Market Cap |
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Old Point's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.06 | 0.08 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.08 |
Determining Old Point's profitability involves analyzing its financial statements and using various financial metrics to determine if Old Point is a good buy. For example, gross profit margin measures Old Point's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Old Point's profitability and make more informed investment decisions.
Evaluate Old Point's management efficiency
The Old Point's current Return On Tangible Assets is estimated to increase to 0.01. The Old Point's current Return On Capital Employed is estimated to increase to 0.08. At this time, Old Point's Intangible Assets are most likely to increase significantly in the upcoming years. The Old Point's current Return On Tangible Assets is estimated to increase to 0.01, while Non Current Assets Total are projected to decrease to roughly 704.6 M. Old Point's management efficiency ratios could be used to measure how well Old Point manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 22.50 | 12.44 | |
| Tangible Book Value Per Share | 22.15 | 12.41 | |
| Enterprise Value Over EBITDA | 4.77 | 4.53 | |
| Price Book Value Ratio | 1.16 | 1.36 | |
| Enterprise Value Multiple | 4.77 | 4.53 | |
| Price Fair Value | 1.16 | 1.36 | |
| Enterprise Value | 66.4 M | 80.1 M |
The management team at Old Point has a track record of steering the company towards sustained growth. Evaluating their strategies helps in understanding the stock's long-term potential.
Basic technical analysis of Old Stock
As of the 19th of July, Old Point holds the Risk Adjusted Performance of 0.1253, coefficient of variation of 756.18, and Semi Deviation of 0.8883. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Old Point, as well as the relationship between them. Please check Old Point Financial treynor ratio, and the relationship between the standard deviation and downside variance to decide if Old Point Financial is priced some-what accurately, providing market reflects its current price of 41.22 per share. Given that Old Point has jensen alpha of 0.0963, we recommend you to check out Old Point Financial's recent market performance to make sure the company can sustain itself at a future point.Old Point's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Old Point insiders, such as employees or executives, is commonly permitted as long as it does not rely on Old Point's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Old Point insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Old Point's Outstanding Corporate Bonds
Old Point issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Old Point Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Old bonds can be classified according to their maturity, which is the date when Old Point Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
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| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
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| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand Old Point's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Old Point's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1253 | |||
| Market Risk Adjusted Performance | 0.4306 | |||
| Mean Deviation | 0.8682 | |||
| Semi Deviation | 0.8883 | |||
| Downside Deviation | 1.03 | |||
| Coefficient Of Variation | 756.18 | |||
| Standard Deviation | 1.13 | |||
| Variance | 1.28 | |||
| Information Ratio | 0.0079 | |||
| Jensen Alpha | 0.0963 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0087 | |||
| Treynor Ratio | 0.4206 | |||
| Maximum Drawdown | 5.7 | |||
| Value At Risk | (1.68) | |||
| Potential Upside | 2.32 | |||
| Downside Variance | 1.06 | |||
| Semi Variance | 0.7891 | |||
| Expected Short fall | (1.01) | |||
| Skewness | (0.06) | |||
| Kurtosis | 0.6626 |
| Risk Adjusted Performance | 0.1253 | |||
| Market Risk Adjusted Performance | 0.4306 | |||
| Mean Deviation | 0.8682 | |||
| Semi Deviation | 0.8883 | |||
| Downside Deviation | 1.03 | |||
| Coefficient Of Variation | 756.18 | |||
| Standard Deviation | 1.13 | |||
| Variance | 1.28 | |||
| Information Ratio | 0.0079 | |||
| Jensen Alpha | 0.0963 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0087 | |||
| Treynor Ratio | 0.4206 | |||
| Maximum Drawdown | 5.7 | |||
| Value At Risk | (1.68) | |||
| Potential Upside | 2.32 | |||
| Downside Variance | 1.06 | |||
| Semi Variance | 0.7891 | |||
| Expected Short fall | (1.01) | |||
| Skewness | (0.06) | |||
| Kurtosis | 0.6626 |
Consider Old Point's intraday indicators
Old Point intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Old Point stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Old Point Corporate Filings
8K | 2nd of July 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 27th of May 2025 Other Reports | ViewVerify | |
| 16th of May 2025 Other Reports | ViewVerify | |
10Q | 14th of May 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
Old Stock media impact
There is far too much social signal, news, headlines, and media speculation about Old Point that are available to investors today. This information is accessible both publicly - through Old Point's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of Old-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of Old Point news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Old Point relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Old Point's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Old Point alpha.
Old Point Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Old Point can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Old Point Corporate Executives
Elected by the shareholders, the Old Point's board of directors comprises two types of representatives: Old Point inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Old. The board's role is to monitor Old Point's management team and ensure that shareholders' interests are well served. Old Point's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Old Point's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Cathy CAP | Senior CFO | Profile | |
| Paul Pickett | Senior CFO | Profile | |
| Elizabeth Beale | Interim CFO | Profile |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Old Point Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons. You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Old Point. If investors know Old will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Old Point listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.235 | Dividend Share 0.56 | Earnings Share 1.96 | Revenue Per Share | Quarterly Revenue Growth 0.031 |
The market value of Old Point Financial is measured differently than its book value, which is the value of Old that is recorded on the company's balance sheet. Investors also form their own opinion of Old Point's value that differs from its market value or its book value, called intrinsic value, which is Old Point's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Old Point's market value can be influenced by many factors that don't directly affect Old Point's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Old Point's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Old Point is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Old Point's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.