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How to buy Old Point Financial Corporation stock | $19.61

Own Old Point Financial Corporation stock in just a few minutes.

Fact checked

Old Point Financial Corporation is a banks-regional business based in the US. Old Point Financial Corporation shares (OPOF) are listed on the NASDAQ and all prices are listed in US Dollars. Old Point Financial Corporation employs 287 staff and has a trailing 12-month revenue of around USD$47.8 million.

How to buy shares in Old Point Financial Corporation

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Old Point Financial Corporation. Find the stock by name or ticker symbol: OPOF. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Old Point Financial Corporation reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$19.61, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Old Point Financial Corporation, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Old Point Financial Corporation. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Old Point Financial Corporation share price

Use our graph to track the performance of OPOF stocks over time.

Old Point Financial Corporation shares at a glance

Information last updated 2021-01-11.
Latest market closeUSD$19.61
52-week rangeUSD$10.6162 - USD$27.9673
50-day moving average USD$18.5406
200-day moving average USD$16.3214
Wall St. target priceUSD$15
PE ratio 14.9809
Dividend yield USD$0.48 (2.47%)
Earnings per share (TTM) USD$1.309

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Old Point Financial Corporation stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Old Point Financial Corporation price performance over time

Historical closes compared with the close of $19.61 from 2021-01-11

1 week (2021-01-08) 1.08%
1 month (2020-12-15) -1.95%
3 months (2020-10-14) 22.84%
6 months (2020-07-15) 30.73%
1 year (2020-01-15) -30.64%
2 years (2019-01-15) -0.96%
3 years (2018-01-12) 29.98
5 years (2016-01-15) 6.17%

Is Old Point Financial Corporation under- or over-valued?

Valuing Old Point Financial Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Old Point Financial Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Old Point Financial Corporation's P/E ratio

Old Point Financial Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, Old Point Financial Corporation shares trade at around 15x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Old Point Financial Corporation financials

Revenue TTM USD$47.8 million
Operating margin TTM 16.14%
Gross profit TTM USD$47.6 million
Return on assets TTM 0.59%
Return on equity TTM 6.04%
Profit margin 14.27%
Book value $22.38
Market capitalisation USD$102.4 million

TTM: trailing 12 months

Shorting Old Point Financial Corporation shares

There are currently 2,012 Old Point Financial Corporation shares held short by investors – that's known as Old Point Financial Corporation's "short interest". This figure is 50.9% up from 1,333 last month.

There are a few different ways that this level of interest in shorting Old Point Financial Corporation shares can be evaluated.

Old Point Financial Corporation's "short interest ratio" (SIR)

Old Point Financial Corporation's "short interest ratio" (SIR) is the quantity of Old Point Financial Corporation shares currently shorted divided by the average quantity of Old Point Financial Corporation shares traded daily (recently around 2756.1643835616). Old Point Financial Corporation's SIR currently stands at 0.73. In other words for every 100,000 Old Point Financial Corporation shares traded daily on the market, roughly 730 shares are currently held short.

However Old Point Financial Corporation's short interest can also be evaluated against the total number of Old Point Financial Corporation shares, or, against the total number of tradable Old Point Financial Corporation shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Old Point Financial Corporation's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Old Point Financial Corporation shares in existence, roughly 0 shares are currently held short) or 0.0005% of the tradable shares (for every 100,000 tradable Old Point Financial Corporation shares, roughly 1 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Old Point Financial Corporation.

Find out more about how you can short Old Point Financial Corporation stock.

Old Point Financial Corporation share dividends

42%

Dividend payout ratio: 42.16% of net profits

Recently Old Point Financial Corporation has paid out, on average, around 42.16% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.47% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Old Point Financial Corporation shareholders could enjoy a 2.47% return on their shares, in the form of dividend payments. In Old Point Financial Corporation's case, that would currently equate to about $0.48 per share.

While Old Point Financial Corporation's payout ratio might seem fairly standard, it's worth remembering that Old Point Financial Corporation may be investing much of the rest of its net profits in future growth.

Old Point Financial Corporation's most recent dividend payout was on 28 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 1 December 2020 (the "ex-dividend date").

Have Old Point Financial Corporation's shares ever split?

Old Point Financial Corporation's shares were split on a 5:4 basis on 2 October 2007. So if you had owned 4 shares the day before before the split, the next day you'd have owned 5 shares. This wouldn't directly have changed the overall worth of your Old Point Financial Corporation shares – just the quantity. However, indirectly, the new 20% lower share price could have impacted the market appetite for Old Point Financial Corporation shares which in turn could have impacted Old Point Financial Corporation's share price.

Old Point Financial Corporation share price volatility

Over the last 12 months, Old Point Financial Corporation's shares have ranged in value from as little as $10.6162 up to $27.9673. A popular way to gauge a stock's volatility is its "beta".

OPOF.US volatility(beta: 1.01)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Old Point Financial Corporation's is 1.0079. This would suggest that Old Point Financial Corporation's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

Old Point Financial Corporation overview

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. 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 and real estate mortgage loans, such as residential 1-4 family mortgages, commercial real estate loans, second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company provides retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products. As of June 30, 2020, it operated 19 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. The company was founded in 1922 and is headquartered in Hampton, Virginia.

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