OPOF Valuation

Old Point Financial Corp

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42.100

+0.94(2.284%)1D

Overview
Forecast
Valuation
Earnings

OPOF Relative Valuation

OPOF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OPOF is overvalued; if below, it's undervalued.

Historical Valuation

Old Point Financial Corp (OPOF) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Old Point Financial Corp (OPOF) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：42.10

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

Old Point Financial Corp. (OPOF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Old Point Financial Corp. (OPOF) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Old Point Financial Corp. (OPOF) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Old Point Financial Corp. (OPOF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Old Point Financial Corp. (OPOF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Old Point Financial Corp (OPOF) has a current Price-to-Book (P/B) ratio of 1.79. Compared to its 3-year average P/B ratio of 1.09 , the current P/B ratio is approximately 64.55% higher. Relative to its 5-year average P/B ratio of 1.05, the current P/B ratio is about 70.62% higher. Old Point Financial Corp (OPOF) has a Forward Free Cash Flow (FCF) yield of approximately 6.50%. Compared to its 3-year average FCF yield of 10.46%, the current FCF yield is approximately -37.90% lower. Relative to its 5-year average FCF yield of 8.62% , the current FCF yield is about -24.62% lower.

1.79

P/B

Median3y

1.09

Median5y

1.05

6.50

FCF Yield

Median3y

10.46

Median5y

8.62

Competitors Valuation Multiple

The average P/S ratio for OPOF's competitors is 1.07, providing a benchmark for relative valuation. Old Point Financial Corp Corp (OPOF) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 0.70%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

OPOF.O

Old Point Financial Corp

National Bankshares Inc

Chain Bridge Bancorp Inc

Richmond Mutual Bancorporation Inc

Performance Decomposition

Market capitalization of OPOF increased by 120.91% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.11 to 24.72.

The secondary factor is the Revenue Growth, contributed 0.70%to the performance.

Overall, the performance of OPOF in the past 1 year is driven by P/E Change. Which is more unsustainable.

0.70%

14.01M → 14.11M

Revenue Growth

-51.25%

18.05 → 8.80

Margin Expansion

171.46%

9.11 → 24.72

P/E Change

120.91%