OPOF Quote, Financials, Valuation and Earnings

Evans Bancorp has a net margin of 18.59% compared to Old Point Financial's net margin of 20.42%. Old Point Financial's return on equity of 8.58% beat Evans Bancorp's return on equity of 6.65%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -58.59%. On the other hand Evans Bancorp has an analysts' consensus of $45.50 which suggests that it could grow by 29.26%. 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 -0.220, which suggesting that the stock is 121.983% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.745, suggesting its less volatile than the S&P 500 by 25.462%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.55%. Evans Bancorp offers a yield of 3.75% 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 $15.5M, which are smaller than Evans Bancorp quarterly revenues of $18.3M. Old Point Financial's net income of $2.9M is lower than Evans Bancorp's net income of $3.7M. Notably, Old Point Financial's price-to-earnings ratio is 19.27x while Evans Bancorp's PE ratio is 16.37x. 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 2.98x versus 2.82x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 18.59% compared to Old Point Financial's net margin of 28.72%. Old Point Financial's return on equity of 8.58% beat Park National's return on equity of 12.67%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -58.59%. On the other hand Park National has an analysts' consensus of $170.00 which suggests that it could grow by 18.89%. 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 -0.220, which suggesting that the stock is 121.983% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.76%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.55%. Park National offers a yield of 2.97% 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 $15.5M, which are smaller than Park National quarterly revenues of $134.5M. Old Point Financial's net income of $2.9M is lower than Park National's net income of $38.6M. Notably, Old Point Financial's price-to-earnings ratio is 19.27x while Park National's PE ratio is 15.36x. 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 2.98x versus 4.46x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 18.59% compared to Old Point Financial's net margin of 25.81%. Old Point Financial's return on equity of 8.58% beat Tompkins Financial's return on equity of 10.27%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -58.59%. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 35.28%. 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 -0.220, which suggesting that the stock is 121.983% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.748, suggesting its less volatile than the S&P 500 by 25.208%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.55%. Tompkins Financial offers a yield of 4.35% 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 $15.5M, which are smaller than Tompkins Financial quarterly revenues of $76.2M. Old Point Financial's net income of $2.9M is lower than Tompkins Financial's net income of $19.7M. Notably, Old Point Financial's price-to-earnings ratio is 19.27x while Tompkins Financial's PE ratio is 11.42x. 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 2.98x versus 2.73x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

Towne Bank has a net margin of 18.59% compared to Old Point Financial's net margin of 23.46%. Old Point Financial's return on equity of 8.58% beat Towne Bank's return on equity of 7.68%.

Old Point Financial has a consensus price target of --, signalling downside risk potential of -58.59%. On the other hand Towne Bank has an analysts' consensus of $39.25 which suggests that it could grow by 29.03%. 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 -0.220, which suggesting that the stock is 121.983% less volatile than S&P 500. In comparison Towne Bank has a beta of 0.794, suggesting its less volatile than the S&P 500 by 20.621%.

Old Point Financial has a quarterly dividend of $0.14 per share corresponding to a yield of 1.55%. Towne Bank offers a yield of 3.29% 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 $15.5M, which are smaller than Towne Bank quarterly revenues of $175.9M. Old Point Financial's net income of $2.9M is lower than Towne Bank's net income of $41.3M. Notably, Old Point Financial's price-to-earnings ratio is 19.27x while Towne Bank's PE ratio is 14.15x. 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 2.98x versus 3.30x for Towne Bank. Usually stocks with elevated PS ratios are considered overvalued.