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Old Point Financial Corp. (OPOF)
NASDAQ:OPOF
US Market

Old Point Financial (OPOF) Ratios

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Old Point Financial Ratios

OPOF's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, OPOF's free cash flow was decreased by $ and operating cash flow was $0.60. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
17.68 12.20 21.51 0.97 0.31
Quick Ratio
17.68 12.20 21.51 0.97 0.31
Cash Ratio
17.68 12.12 1.69 0.42 0.12
Solvency Ratio
>-0.01 <0.01 <0.01 0.37 5.86
Operating Cash Flow Ratio
0.00 1.70 1.54 0.05 >-0.01
Short-Term Operating Cash Flow Coverage
0.00 0.00 1.54 0.00 0.00
Net Current Asset Value
$ -1.20B$ -1.26B$ -1.01B$ 382.14M$ 305.49M
Leverage Ratios
Debt-to-Assets Ratio
0.05 0.07 0.06 0.02 <0.01
Debt-to-Equity Ratio
0.61 0.93 0.77 0.24 0.01
Debt-to-Capital Ratio
0.38 0.48 0.43 0.20 0.01
Long-Term Debt-to-Capital Ratio
0.38 0.48 0.23 0.20 0.01
Financial Leverage Ratio
12.73 13.55 13.73 11.07 10.47
Debt Service Coverage Ratio
0.00 -0.07 -0.05 -0.27 -0.06
Interest Coverage Ratio
0.00 0.81 3.26 2.82 1.12
Debt to Market Cap
0.53 1.10 0.30 0.24 0.01
Interest Debt Per Share
13.78 23.39 15.63 6.27 1.27
Net Debt to EBITDA
-138.28 0.00 77.24 -412.91 -543.75
Profitability Margins
Gross Profit Margin
100.00%100.00%93.31%93.24%93.05%
EBIT Margin
0.00%-4.33%18.99%-4.54%10.50%
EBITDA Margin
0.83%0.00%1.31%0.67%0.45%
Operating Profit Margin
27.59%25.10%21.11%18.14%12.19%
Pretax Profit Margin
18.72%15.24%18.99%18.14%12.19%
Net Profit Margin
15.61%13.00%16.35%15.72%11.11%
Continuous Operations Profit Margin
15.61%13.00%16.35%15.72%11.11%
Net Income Per EBT
83.37%85.28%86.07%86.69%91.18%
EBT Per EBIT
67.86%60.71%89.95%100.00%100.00%
Return on Assets (ROA)
0.66%0.53%0.67%0.63%0.44%
Return on Equity (ROE)
8.34%7.24%9.22%6.99%4.60%
Return on Capital Employed (ROCE)
1.17%1.04%0.88%1.07%2.53%
Return on Invested Capital (ROIC)
0.97%0.89%2.01%3.33%-1.16%
Return on Tangible Assets
0.66%0.54%0.67%0.63%0.44%
Earnings Yield
7.20%8.58%6.65%6.89%5.45%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
2.02 1.91 1.80 1.67 1.44
Asset Turnover
0.04 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
0.60 0.39 0.51 -0.15 -0.08
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 2.19 3.46 4.42 -1.66
Free Cash Flow Per Share
0.00 1.98 3.20 4.14 -1.83
CapEx Per Share
0.00 0.21 0.27 0.29 0.18
Free Cash Flow to Operating Cash Flow
0.00 0.90 0.92 0.93 1.11
Dividend Paid and CapEx Coverage Ratio
0.00 2.84 4.40 5.61 -2.52
Capital Expenditure Coverage Ratio
0.00 10.44 12.97 15.31 -9.35
Operating Cash Flow Coverage Ratio
0.00 0.11 0.23 0.79 -6.40
Operating Cash Flow to Sales Ratio
0.00 0.18 0.32 0.43 -0.18
Free Cash Flow Yield
0.00%11.04%11.84%17.69%-9.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.88 11.66 15.03 14.50 18.35
Price-to-Sales (P/S) Ratio
2.17 1.51 2.46 2.28 2.04
Price-to-Book (P/B) Ratio
1.16 0.84 1.39 1.01 0.84
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 9.06 8.45 5.65 -10.35
Price-to-Operating Cash Flow Ratio
0.00 8.19 7.80 5.28 -11.45
Price-to-Earnings Growth (PEG) Ratio
0.63 -0.81 1.27 0.26 -0.58
Price-to-Fair Value
1.16 0.84 1.39 1.01 0.84
Enterprise Value Multiple
121.55 0.00 264.81 -70.95 -92.16
Enterprise Value
EV to EBITDA
121.55 0.00 264.81 -70.95 -92.16
EV to Sales
1.01 1.87 3.47 -0.47 -0.42
EV to Free Cash Flow
0.00 11.16 11.92 -1.17 2.11
EV to Operating Cash Flow
0.00 10.09 11.01 -1.10 2.34
Tangible Book Value Per Share
22.15 20.88 19.10 249.42 234.44
Shareholders’ Equity Per Share
22.50 21.25 19.47 23.06 22.46
Tax and Other Ratios
Effective Tax Rate
0.17 0.15 0.14 0.13 0.09
Revenue Per Share
12.03 11.84 10.99 10.25 9.30
Net Income Per Share
1.88 1.54 1.80 1.61 1.03
Tax Burden
0.83 0.85 0.86 0.87 0.91
Interest Burden
0.00 -3.52 1.00 -3.99 1.16
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.14 0.53 0.50 0.49 0.54
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 1.42 1.93 2.75 -1.60
Currency in USD
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