OPOF Quote, Financials, Valuation and Earnings

OptimumBank Holdings has a net margin of 13.61% compared to Old Point Financial's net margin of 36.31%. Old Point Financial's return on equity of 8.82% beat OptimumBank Holdings's return on equity of 15.42%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.55%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.00 which suggests that it could grow by 14.16%. Given that OptimumBank Holdings has higher upside potential than Old Point Financial, analysts believe OptimumBank Holdings is more attractive than Old Point Financial.

Old Point Financial has a beta of -0.328, which suggesting that the stock is 132.789% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.455, suggesting its less volatile than the S&P 500 by 54.491%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.44%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Old Point Financial pays 29.85% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. Old Point Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Point Financial quarterly revenues are $15.9M, which are larger than OptimumBank Holdings quarterly revenues of $10.7M. Old Point Financial's net income of $2.2M is lower than OptimumBank Holdings's net income of $3.9M. Notably, Old Point Financial's price-to-earnings ratio is 19.90x while OptimumBank Holdings's PE ratio is 3.29x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Point Financial is 3.16x versus 1.17x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 13.61% compared to Old Point Financial's net margin of 32.4%. Old Point Financial's return on equity of 8.82% beat Park National's return on equity of 12.97%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.55%. On the other hand Park National has an analysts' consensus of $169.00 which suggests that it could grow by 3.85%. Given that Park National has higher upside potential than Old Point Financial, analysts believe Park National is more attractive than Old Point Financial.

Old Point Financial has a beta of -0.328, which suggesting that the stock is 132.789% less volatile than S&P 500. In comparison Park National has a beta of 0.786, suggesting its less volatile than the S&P 500 by 21.434%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.44%. Park National offers a yield of 2.62% to investors and pays a quarterly dividend of $1.07 per share. Old Point Financial pays 29.85% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Point Financial quarterly revenues are $15.9M, which are smaller than Park National quarterly revenues of $130.1M. Old Point Financial's net income of $2.2M is lower than Park National's net income of $42.2M. Notably, Old Point Financial's price-to-earnings ratio is 19.90x while Park National's PE ratio is 16.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Point Financial is 3.16x versus 5.00x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 13.61% compared to Old Point Financial's net margin of 24.09%. Old Point Financial's return on equity of 8.82% beat Tompkins Financial's return on equity of 10.46%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.55%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 19.66%. Given that Tompkins Financial has higher upside potential than Old Point Financial, analysts believe Tompkins Financial is more attractive than Old Point Financial.

Old Point Financial has a beta of -0.328, which suggesting that the stock is 132.789% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.888, suggesting its less volatile than the S&P 500 by 11.218%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.44%. Tompkins Financial offers a yield of 4.08% to investors and pays a quarterly dividend of $0.62 per share. Old Point Financial pays 29.85% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Point Financial quarterly revenues are $15.9M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. Old Point Financial's net income of $2.2M is lower than Tompkins Financial's net income of $19.7M. Notably, Old Point Financial's price-to-earnings ratio is 19.90x while Tompkins Financial's PE ratio is 11.79x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Point Financial is 3.16x versus 2.84x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

Towne Bank has a net margin of 13.61% compared to Old Point Financial's net margin of 26.34%. Old Point Financial's return on equity of 8.82% beat Towne Bank's return on equity of 8.31%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.55%. On the other hand Towne Bank has an analysts' consensus of $39.00 which suggests that it could grow by 14.94%. Given that Towne Bank has higher upside potential than Old Point Financial, analysts believe Towne Bank is more attractive than Old Point Financial.

Old Point Financial has a beta of -0.328, which suggesting that the stock is 132.789% less volatile than S&P 500. In comparison Towne Bank has a beta of 0.790, suggesting its less volatile than the S&P 500 by 21.035%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.44%. Towne Bank offers a yield of 2.95% to investors and pays a quarterly dividend of $0.25 per share. Old Point Financial pays 29.85% of its earnings as a dividend. Towne Bank pays out 46.38% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Old Point Financial quarterly revenues are $15.9M, which are smaller than Towne Bank quarterly revenues of $192M. Old Point Financial's net income of $2.2M is lower than Towne Bank's net income of $50.6M. Notably, Old Point Financial's price-to-earnings ratio is 19.90x while Towne Bank's PE ratio is 14.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Old Point Financial is 3.16x versus 3.56x for Towne Bank. Usually stocks with elevated PS ratios are considered overvalued.