OLD POINT FINANCIAL CORP
OPOFFinancials · National Commercial Banks · VA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | $85.8M | $80.5M | $61.5M | $57.1M | $54.7M | $54.3M |
| Operating income | — | — | — | — | — | — |
| Net income | $9.5M | $7.7M | $9.1M | $8.4M | $5.4M | $7.9M |
| Total assets | $1.45B | $1.45B | $1.36B | $1.34B | $1.23B | $1.05B |
| Total liabilities | $1.34B | $1.34B | $1.26B | $1.22B | $1.11B | $944.7M |
| Equity | $114.0M | $106.8M | $98.7M | $120.8M | $117.1M | $109.8M |
| EPS (diluted) | $1.88 | $1.54 | $1.80 | $1.61 | $1.03 | $1.51 |
| Shares out. | 5.0M | 5.0M | 5.2M | 5.2M | 5.2M | 5.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- 11.1%
- Return on equity
- 8.3%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.1%
- Debt / equity
- 11.73×
- Book value / share
- $22.61
- Revenue growth (YoY)
- 6.6%
- Net income growth (YoY)
- 23.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Pl Capital Advisors, LlcActivist (13D)Sep 8, 2025
- Fourthstone LlcPassive (13G)Aug 14, 2025
- Old Point Trust & Financial Services N APassive (13G)Feb 14, 2025
- Fj Capital Management LlcPassive (13G)Feb 11, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Ishon John CabotDirector | Sep 1, 2025 | D | 38,788.779 | — |
| Glasser Michael ADirector | Sep 1, 2025 | D | 6,826.87 | — |
| Adams Stephen ConwayDirector | Sep 1, 2025 | D | 17,373 | — |
| Wash Elizabeth SDirector | Sep 1, 2025 | D | 14,679 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Aug 29, 2025 | 143,844 | 3.8 | -10.5% |
| Aug 15, 2025 | 160,680 | 7.2 | +7.7% |
| Jul 31, 2025 | 149,267 | 11.0 | +1.7% |
| Jul 15, 2025 | 146,770 | 6.5 | -15.3% |
| Jun 30, 2025 | 173,393 | 1.9 | +729.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsSep 2, 2025
- Other material eventAug 15, 2025
- Results of operationsJul 30, 2025
- Shareholder vote · Regulation FD disclosureJul 2, 2025
- Other material eventJun 23, 2025
- Regulation FD disclosureMay 27, 2025
- Results of operationsApr 30, 2025
- Entered a material agreement · Director / officer change · Other material eventApr 7, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GSep 12, 2025
- SCHEDULE 13D/ASep 8, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4PRIMARY DOCUMENTSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESSep 3, 2025
Event-driven situations (2)
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