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OPOF Old Point Financial

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17.150
-0.100-0.58%

Trading Sep 17 13:52 ET

87.05MMarket Cap12.16P/E (TTM)

Old Point Financial Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

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(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

(FY)Dec 31, 2022

(Q4)Dec 31, 2022

(Q3)Sep 30, 2022

Total revenue

1.37%15.59M

-9.07%14.76M

9.95%61.85M

6.90%15.33M

-0.19%14.91M

11.25%15.38M

23.43%16.23M

4.80%56.25M

8.15%14.34M

10.78%14.94M

Net interest income

0.16%12.04M

-10.21%11.45M

7.94%47.87M

-8.66%11.76M

-1.72%11.34M

16.62%12.02M

32.46%12.75M

14.53%44.35M

33.57%12.88M

17.05%11.54M

-Net interest income

10.90%18.04M

14.60%17.29M

38.25%66.3M

26.61%17.84M

38.64%17.11M

46.94%16.27M

44.29%15.09M

13.69%47.96M

33.10%14.09M

14.25%12.34M

-Interest income from loans and lease

6.04%15.04M

11.53%14.54M

35.97%56.3M

20.70%14.77M

36.22%14.31M

49.58%14.19M

42.00%13.04M

9.22%41.41M

29.43%12.23M

8.40%10.51M

-Interest income from deposits

1,068.82%1.09M

1,148.44%799K

245.65%2.07M

1,549.23%1.07M

232.54%838K

-55.29%93K

-12.33%64K

160.00%598K

-2.99%65K

270.59%252K

-Interest income from securities

-4.09%1.9M

-1.97%1.94M

33.15%7.9M

11.35%1.99M

24.09%1.95M

44.18%1.98M

64.94%1.98M

46.89%5.93M

67.98%1.79M

51.01%1.57M

-Total interest expense

41.29%6M

149.70%5.84M

411.15%18.43M

401.73%6.08M

623.09%5.76M

456.02%4.25M

180.91%2.34M

4.25%3.61M

28.28%1.21M

-15.12%797K

-Interest expense for deposit

68.54%5.04M

242.85%4.77M

545.28%13.87M

625.84%4.97M

883.88%4.52M

538.46%2.99M

159.03%1.39M

-25.36%2.15M

5.38%685K

-32.89%459K

-Interest expense for long term debt and capital securities

-23.29%965K

17.65%1.07M

225.88%4.52M

119.72%1.1M

322.71%1.25M

326.44%1.26M

209.15%912K

154.96%1.39M

71.92%502K

17.06%295K

Non interest income

5.72%3.55M

-4.90%3.32M

17.45%13.98M

143.85%3.57M

5.04%3.57M

-4.50%3.36M

-1.19%3.49M

-20.41%11.9M

-59.56%1.46M

-6.27%3.4M

-Total premiums earned

4.25%270K

4.33%265K

14.19%1.04M

2.34%262K

15.86%263K

32.82%259K

9.96%254K

-10.36%909K

-34.19%256K

16.41%227K

-Fees and commissions

1.04%3.12M

-7.29%2.85M

1.98%12.29M

6.02%3.1M

1.65%3.03M

0.26%3.09M

0.20%3.07M

-10.86%12.05M

-5.74%2.92M

-10.01%2.98M

-Other non interest income

-14.55%141K

-8.51%86K

-26.99%533K

-11.20%111K

1.24%163K

-27.31%165K

-56.68%94K

103.91%730K

7.76%125K

56.31%161K

-Gain loss on sale of assets

75.11%-58K

--22K

89.14%-203K

--0

--30K

---233K

--0

---1.87M

--0

-Dividend income

-2.53%77K

42.42%94K

274.71%326K

234.48%97K

180.00%84K

464.29%79K

371.43%66K

24.29%87K

123.08%29K

87.50%30K

Credit losses provision

27.70%-261K

78.72%-80K

-52.46%-2.6M

-114.69%-1.36M

-25.62%-505K

36.67%-361K

-272.28%-376K

-114.86%-1.71M

-122.89%-633K

-11.67%-402K

Non interest expense

-6.26%12.32M

4.40%12.7M

10.41%50.41M

-0.62%12.21M

11.38%12.88M

18.55%13.15M

13.58%12.17M

5.81%45.66M

10.42%12.29M

5.83%11.57M

Occupancy and equipment

9.40%1.37M

-1.84%1.17M

3.58%4.89M

-2.76%1.2M

4.81%1.24M

9.80%1.26M

2.93%1.2M

0.55%4.72M

4.05%1.23M

-0.08%1.18M

Professional expense and contract services expense

-10.05%680K

-13.08%585K

-0.34%2.66M

-20.98%599K

-1.70%636K

18.50%756K

6.83%673K

6.03%2.67M

3.69%758K

3.52%647K

Selling and administrative expenses

-11.64%7.36M

5.86%8.04M

12.07%31.43M

-0.11%7.42M

14.69%8.09M

21.00%8.33M

13.63%7.6M

7.54%28.05M

12.79%7.42M

5.05%7.05M

-General and administrative expense

-11.64%7.36M

5.86%8.04M

12.07%31.43M

-0.11%7.42M

14.69%8.09M

21.00%8.33M

13.63%7.6M

7.54%28.05M

12.79%7.42M

5.05%7.05M

Other non-interest expense

3.74%2.91M

7.40%2.9M

11.81%11.42M

4.35%3M

8.72%2.92M

15.72%2.8M

20.89%2.7M

3.67%10.22M

9.19%2.87M

11.51%2.68M

Income from associates and other participating interests

Special income (charges)

-86.98%220K

-98.82%20K

200K

1.69M

Less:Other special charges

----

86.98%-220K

---20K

----

---200K

----

---1.69M

----

Other non-operating income (expenses)

Income before tax

45.16%3M

-46.37%1.98M

-14.35%9.06M

-42.71%1.78M

-48.74%1.52M

-4.30%2.07M

57.83%3.69M

8.69%10.58M

68.23%3.11M

35.32%2.97M

Income tax

77.82%473K

-56.84%262K

-9.50%1.33M

-36.09%301K

-62.53%160K

-1.12%266K

97.72%607K

13.73%1.47M

172.25%471K

49.30%427K

Earnings from equity interest net of tax

Net income

40.34%2.53M

-44.31%1.72M

-15.13%7.73M

-43.89%1.48M

-46.42%1.36M

-4.76%1.8M

51.80%3.08M

7.91%9.11M

57.51%2.64M

33.23%2.54M

Net Income continuous operations

40.34%2.53M

-44.31%1.72M

-15.13%7.73M

-43.89%1.48M

-46.42%1.36M

-4.76%1.8M

51.80%3.08M

7.91%9.11M

57.51%2.64M

33.23%2.54M

Minority interest income

Net income attributable to the parent company

40.34%2.53M

-44.31%1.72M

-15.13%7.73M

-43.89%1.48M

-46.42%1.36M

-4.76%1.8M

51.80%3.08M

7.91%9.11M

57.51%2.64M

33.23%2.54M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

40.34%2.53M

-44.31%1.72M

-15.13%7.73M

-43.89%1.48M

-46.42%1.36M

-4.76%1.8M

51.80%3.08M

7.91%9.11M

57.51%2.64M

33.23%2.54M

Basic earnings per share

38.89%0.5

-45.16%0.34

-14.44%1.54

-45.28%0.29

-47.06%0.27

-2.70%0.36

58.97%0.62

11.80%1.8

65.63%0.53

41.67%0.51

Diluted earnings per share

38.89%0.5

-45.16%0.34

-14.44%1.54

-45.28%0.29

-47.06%0.27

-2.70%0.36

58.97%0.62

11.80%1.8

65.63%0.53

41.67%0.51

Dividend per share

0.00%0.14

7.69%0.56

7.69%0.14

4.00%0.52

0.00%0.13

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023	(FY)Dec 31, 2022	(Q4)Dec 31, 2022	(Q3)Sep 30, 2022
Total revenue	1.37%15.59M	-9.07%14.76M	9.95%61.85M	6.90%15.33M	-0.19%14.91M	11.25%15.38M	23.43%16.23M	4.80%56.25M	8.15%14.34M	10.78%14.94M
Net interest income	0.16%12.04M	-10.21%11.45M	7.94%47.87M	-8.66%11.76M	-1.72%11.34M	16.62%12.02M	32.46%12.75M	14.53%44.35M	33.57%12.88M	17.05%11.54M
-Net interest income	10.90%18.04M	14.60%17.29M	38.25%66.3M	26.61%17.84M	38.64%17.11M	46.94%16.27M	44.29%15.09M	13.69%47.96M	33.10%14.09M	14.25%12.34M
-Interest income from loans and lease	6.04%15.04M	11.53%14.54M	35.97%56.3M	20.70%14.77M	36.22%14.31M	49.58%14.19M	42.00%13.04M	9.22%41.41M	29.43%12.23M	8.40%10.51M
-Interest income from deposits	1,068.82%1.09M	1,148.44%799K	245.65%2.07M	1,549.23%1.07M	232.54%838K	-55.29%93K	-12.33%64K	160.00%598K	-2.99%65K	270.59%252K
-Interest income from securities	-4.09%1.9M	-1.97%1.94M	33.15%7.9M	11.35%1.99M	24.09%1.95M	44.18%1.98M	64.94%1.98M	46.89%5.93M	67.98%1.79M	51.01%1.57M
-Total interest expense	41.29%6M	149.70%5.84M	411.15%18.43M	401.73%6.08M	623.09%5.76M	456.02%4.25M	180.91%2.34M	4.25%3.61M	28.28%1.21M	-15.12%797K
-Interest expense for deposit	68.54%5.04M	242.85%4.77M	545.28%13.87M	625.84%4.97M	883.88%4.52M	538.46%2.99M	159.03%1.39M	-25.36%2.15M	5.38%685K	-32.89%459K
-Interest expense for long term debt and capital securities	-23.29%965K	17.65%1.07M	225.88%4.52M	119.72%1.1M	322.71%1.25M	326.44%1.26M	209.15%912K	154.96%1.39M	71.92%502K	17.06%295K
Non interest income	5.72%3.55M	-4.90%3.32M	17.45%13.98M	143.85%3.57M	5.04%3.57M	-4.50%3.36M	-1.19%3.49M	-20.41%11.9M	-59.56%1.46M	-6.27%3.4M
-Total premiums earned	4.25%270K	4.33%265K	14.19%1.04M	2.34%262K	15.86%263K	32.82%259K	9.96%254K	-10.36%909K	-34.19%256K	16.41%227K
-Fees and commissions	1.04%3.12M	-7.29%2.85M	1.98%12.29M	6.02%3.1M	1.65%3.03M	0.26%3.09M	0.20%3.07M	-10.86%12.05M	-5.74%2.92M	-10.01%2.98M
-Other non interest income	-14.55%141K	-8.51%86K	-26.99%533K	-11.20%111K	1.24%163K	-27.31%165K	-56.68%94K	103.91%730K	7.76%125K	56.31%161K
-Gain loss on sale of assets	75.11%-58K	--22K	89.14%-203K	--0	--30K	---233K	--0	---1.87M	---1.87M	--0
-Dividend income	-2.53%77K	42.42%94K	274.71%326K	234.48%97K	180.00%84K	464.29%79K	371.43%66K	24.29%87K	123.08%29K	87.50%30K
Credit losses provision	27.70%-261K	78.72%-80K	-52.46%-2.6M	-114.69%-1.36M	-25.62%-505K	36.67%-361K	-272.28%-376K	-114.86%-1.71M	-122.89%-633K	-11.67%-402K
Non interest expense	-6.26%12.32M	4.40%12.7M	10.41%50.41M	-0.62%12.21M	11.38%12.88M	18.55%13.15M	13.58%12.17M	5.81%45.66M	10.42%12.29M	5.83%11.57M
Occupancy and equipment	9.40%1.37M	-1.84%1.17M	3.58%4.89M	-2.76%1.2M	4.81%1.24M	9.80%1.26M	2.93%1.2M	0.55%4.72M	4.05%1.23M	-0.08%1.18M
Professional expense and contract services expense	-10.05%680K	-13.08%585K	-0.34%2.66M	-20.98%599K	-1.70%636K	18.50%756K	6.83%673K	6.03%2.67M	3.69%758K	3.52%647K
Selling and administrative expenses	-11.64%7.36M	5.86%8.04M	12.07%31.43M	-0.11%7.42M	14.69%8.09M	21.00%8.33M	13.63%7.6M	7.54%28.05M	12.79%7.42M	5.05%7.05M
-General and administrative expense	-11.64%7.36M	5.86%8.04M	12.07%31.43M	-0.11%7.42M	14.69%8.09M	21.00%8.33M	13.63%7.6M	7.54%28.05M	12.79%7.42M	5.05%7.05M
Other non-interest expense	3.74%2.91M	7.40%2.9M	11.81%11.42M	4.35%3M	8.72%2.92M	15.72%2.8M	20.89%2.7M	3.67%10.22M	9.19%2.87M	11.51%2.68M
Income from associates and other participating interests
Special income (charges)	0		-86.98%220K	-98.82%20K	0	200K		1.69M	1.69M	0
Less:Other special charges	----	----	86.98%-220K	---20K	----	---200K	----	---1.69M	----	----
Other non-operating income (expenses)
Income before tax	45.16%3M	-46.37%1.98M	-14.35%9.06M	-42.71%1.78M	-48.74%1.52M	-4.30%2.07M	57.83%3.69M	8.69%10.58M	68.23%3.11M	35.32%2.97M
Income tax	77.82%473K	-56.84%262K	-9.50%1.33M	-36.09%301K	-62.53%160K	-1.12%266K	97.72%607K	13.73%1.47M	172.25%471K	49.30%427K
Earnings from equity interest net of tax
Net income	40.34%2.53M	-44.31%1.72M	-15.13%7.73M	-43.89%1.48M	-46.42%1.36M	-4.76%1.8M	51.80%3.08M	7.91%9.11M	57.51%2.64M	33.23%2.54M
Net Income continuous operations	40.34%2.53M	-44.31%1.72M	-15.13%7.73M	-43.89%1.48M	-46.42%1.36M	-4.76%1.8M	51.80%3.08M	7.91%9.11M	57.51%2.64M	33.23%2.54M
Minority interest income
Net income attributable to the parent company	40.34%2.53M	-44.31%1.72M	-15.13%7.73M	-43.89%1.48M	-46.42%1.36M	-4.76%1.8M	51.80%3.08M	7.91%9.11M	57.51%2.64M	33.23%2.54M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	40.34%2.53M	-44.31%1.72M	-15.13%7.73M	-43.89%1.48M	-46.42%1.36M	-4.76%1.8M	51.80%3.08M	7.91%9.11M	57.51%2.64M	33.23%2.54M
Basic earnings per share	38.89%0.5	-45.16%0.34	-14.44%1.54	-45.28%0.29	-47.06%0.27	-2.70%0.36	58.97%0.62	11.80%1.8	65.63%0.53	41.67%0.51
Diluted earnings per share	38.89%0.5	-45.16%0.34	-14.44%1.54	-45.28%0.29	-47.06%0.27	-2.70%0.36	58.97%0.62	11.80%1.8	65.63%0.53	41.67%0.51
Dividend per share	0.00%0.14	0.00%0.14	7.69%0.56	7.69%0.14	7.69%0.14	7.69%0.14	7.69%0.14	4.00%0.52	0.00%0.13	0.00%0.13
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	--	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--

Analysis

Analyst Rating

No Data

Price Target

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Heat List

Overall

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