OPOF Quote, Financials, Valuation and Earnings

Evans Bancorp has a net margin of 13.61% compared to Old Point Financial's net margin of 20.42%. Old Point Financial's return on equity of 8.82% beat Evans Bancorp's return on equity of 6.65%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.97%. On the other hand Evans Bancorp has an analysts' consensus of $45.50 which suggests that it could grow by 15.1%. Given that Evans Bancorp has higher upside potential than Old Point Financial, analysts believe Evans Bancorp 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 Evans Bancorp has a beta of 0.708, suggesting its less volatile than the S&P 500 by 29.224%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.42%. Evans Bancorp offers a yield of 3.34% to investors and pays a quarterly dividend of $0.66 per share. Old Point Financial pays 29.85% of its earnings as a dividend. Evans Bancorp pays out 60.97% 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 Evans Bancorp quarterly revenues of $18.3M. Old Point Financial's net income of $2.2M is lower than Evans Bancorp's net income of $3.7M. Notably, Old Point Financial's price-to-earnings ratio is 20.12x while Evans Bancorp's PE ratio is 18.39x. 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 3.19x versus 3.16x for Evans Bancorp. 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 -61.97%. On the other hand Park National has an analysts' consensus of $169.00 which suggests that it could grow by 7.21%. 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 1.42%. Park National offers a yield of 2.7% 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 20.12x while Park National's PE ratio is 16.18x. 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 3.19x versus 4.85x 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 -61.97%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 18.14%. 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 1.42%. Tompkins Financial offers a yield of 4.01% 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 20.12x while Tompkins Financial's PE ratio is 11.94x. 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 3.19x versus 2.87x 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 23.46%. Old Point Financial's return on equity of 8.82% beat Towne Bank's return on equity of 7.68%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -61.97%. On the other hand Towne Bank has an analysts' consensus of $39.00 which suggests that it could grow by 16.56%. 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 1.42%. Towne Bank offers a yield of 2.99% 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 $175.9M. Old Point Financial's net income of $2.2M is lower than Towne Bank's net income of $41.3M. Notably, Old Point Financial's price-to-earnings ratio is 20.12x while Towne Bank's PE ratio is 15.56x. 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 3.19x versus 3.63x for Towne Bank. Usually stocks with elevated PS ratios are considered overvalued.