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Upturn AI SWOT - About
OPOF 
Old Point Financial Corporation (OPOF)
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Upturn Advisory Summary
04/01/2025: OPOF (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 12.1% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 152.10M USD | Price to earnings Ratio 15.93 | 1Y Target Price 15 |
Price to earnings Ratio 15.93 | 1Y Target Price 15 | ||
Volume (30-day avg) 10084 | Beta 0.18 | 52 Weeks Range 13.12 - 30.93 | Updated Date 04/1/2025 |
52 Weeks Range 13.12 - 30.93 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.87% | Basic EPS (TTM) 1.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-31 | When After Market | Estimate - | Actual 0.5672 |
Profitability
Profit Margin 15.61% | Operating Margin (TTM) 21.54% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 8.61% |
Valuation
Trailing PE 15.93 | Forward PE - | Enterprise Value 85817624 | Price to Sales(TTM) 2.5 |
Enterprise Value 85817624 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 5078320 | Shares Floating 2903782 |
Shares Outstanding 5078320 | Shares Floating 2903782 | ||
Percent Insiders 23.54 | Percent Institutions 36.4 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Old Point Financial Corporation
Company Overview
History and Background
Old Point Financial Corporation was founded in 1923 in Phoebus, Virginia. It has grown organically and through acquisitions, becoming a community bank focused on serving the Hampton Roads region of Virginia.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and treasury management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Robert F. Shuford, Jr. serves as the President and CEO. The company operates with a traditional corporate structure, with a board of directors and executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include commercial real estate loans, business term loans, and lines of credit. Market share data is difficult to pinpoint exactly for Old Point specifically due to the regional nature of its business but based on total asset market share within the state of Virginia it would be less than 1%. Competitors include larger regional and national banks such as Truist, Bank of America, and Wells Fargo, as well as other community banks in the Hampton Roads area.
- Mortgages: Offers residential mortgage loans. Market share, similar to commercial loans, is challenging to pinpoint precisely. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions, as well as other community banks.
- Deposit Accounts: Offerings include checking, savings, and money market accounts for consumers and businesses. The company does not break out the revenue specifically for this product. Competitors include digital banks such as Ally Bank and Capital One 360 as well as brick and mortar Banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Consolidation within the industry is also a notable trend.
Positioning
Old Point Financial Corporation is positioned as a community bank focused on building relationships with local customers and businesses. Its competitive advantage lies in its personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in the Hampton Roads region is estimated to be in the billions of dollars. Old Point Financial Corporation's position within this TAM is relatively small, but it has opportunities to grow its market share through strategic initiatives and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger competitors
- Dependence on local economy
- Lower technology investment compared to some competitors
Opportunities
- Expanding into new markets within Virginia
- Acquiring smaller community banks
- Investing in digital banking technologies
- Increasing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Hampton Roads region
- Rising interest rates
- Increased regulatory burdens
Competitors and Market Share
Key Competitors
- Truist (TFC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
Old Point Financial Corporation faces significant competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it needs to invest in technology and expand its market reach to remain competitive.
Major Acquisitions
Citizens National Bank
- Year: 2016
- Acquisition Price (USD millions): 13.8
- Strategic Rationale: Expanded Old Point's presence into the Middle Peninsula region.
Growth Trajectory and Initiatives
Historical Growth: Old Point Financial Corporation's historical growth has been steady, driven by organic growth and acquisitions.
Future Projections: Analyst estimates for future growth will vary. Look for estimates on revenue, earnings, and loan growth.
Recent Initiatives: Recent initiatives should be monitored to assess their impact on the company's growth prospects. These might include new branch openings, digital banking enhancements, or acquisition strategies.
Summary
Old Point Financial Corporation is a community bank with deep roots in the Hampton Roads region. Its strengths include a strong local brand and established customer relationships. However, it faces competition from larger banks and fintech companies and should seek expansion opportunities and technology investment. The company's long history and focus on community relationships position it well, but its limited scale requires strategic growth initiatives.
Similar Companies
- FFWM
- LCNB
- WTFC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate. Actual financial results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Point Financial Corporation
Exchange NASDAQ | Headquaters Hampton, VA, United States | ||
IPO Launch date 1999-01-11 | Chairman, CEO & President Mr. Robert F. Shuford Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.oldpoint.com |
Full time employees - | Website https://www.oldpoint.com | ||
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. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans. In addition, it offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products, wealth management, and cash management services. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.
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