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

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Old Point Financial Ratios

OPOF's free cash flow for Q1 2025 was $0.72. For the 2025 fiscal year, OPOF's free cash flow was decreased by $ and operating cash flow was $0.13. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
69.85 0.23 21.51 0.97 0.31
Quick Ratio
69.85 0.23 21.51 0.97 0.31
Cash Ratio
5.30 0.07 1.69 0.42 0.12
Solvency Ratio
<0.01 <0.01 <0.01 0.37 5.86
Operating Cash Flow Ratio
3.92 <0.01 1.54 0.05 >-0.01
Short-Term Operating Cash Flow Coverage
3.92 4.61 1.54 0.00 0.00
Net Current Asset Value
$ -1.05B$ -1.06B$ -1.01B$ 382.14M$ 305.49M
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.07 0.06 0.02 <0.01
Debt-to-Equity Ratio
0.03 0.95 0.77 0.24 0.01
Debt-to-Capital Ratio
0.03 0.49 0.43 0.20 0.01
Long-Term Debt-to-Capital Ratio
0.00 0.48 0.23 0.20 0.01
Financial Leverage Ratio
11.87 13.55 13.73 11.07 10.47
Debt Service Coverage Ratio
0.34 0.50 -0.05 -0.27 -0.06
Interest Coverage Ratio
0.40 0.49 3.26 2.82 1.12
Debt to Market Cap
0.02 1.13 0.30 0.24 0.01
Interest Debt Per Share
5.16 23.87 15.63 6.27 1.27
Net Debt to EBITDA
-1.07 1.82 77.24 -412.91 -543.75
Profitability Margins
Gross Profit Margin
55.92%73.81%93.31%93.24%93.05%
EBIT Margin
14.19%11.29%18.99%-4.54%10.50%
EBITDA Margin
13.36%14.50%1.31%0.67%0.45%
Operating Profit Margin
11.25%11.29%21.11%18.14%12.19%
Pretax Profit Margin
13.01%11.29%18.99%18.14%12.19%
Net Profit Margin
10.52%9.63%16.35%15.72%11.11%
Continuous Operations Profit Margin
10.52%9.63%16.35%15.72%11.11%
Net Income Per EBT
80.87%85.28%86.07%86.69%91.18%
EBT Per EBIT
115.57%100.00%89.95%100.00%100.00%
Return on Assets (ROA)
0.62%0.53%0.67%0.63%0.44%
Return on Equity (ROE)
7.45%7.24%9.22%6.99%4.60%
Return on Capital Employed (ROCE)
0.66%4.24%0.88%1.07%2.53%
Return on Invested Capital (ROIC)
2.86%3.57%2.01%3.33%-1.16%
Return on Tangible Assets
0.62%0.54%0.67%0.63%0.44%
Earnings Yield
4.21%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
2.88 2.68 1.80 1.67 1.44
Asset Turnover
0.06 0.06 0.04 0.04 0.04
Working Capital Turnover Ratio
-0.18 -0.09 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
2.55 2.19 3.46 4.42 -1.66
Free Cash Flow Per Share
2.40 1.98 3.20 4.14 -1.83
CapEx Per Share
0.15 0.21 0.27 0.29 0.18
Free Cash Flow to Operating Cash Flow
0.94 0.90 0.92 0.93 1.11
Dividend Paid and CapEx Coverage Ratio
3.59 2.84 4.40 5.61 -2.52
Capital Expenditure Coverage Ratio
16.75 10.44 12.97 15.31 -9.35
Operating Cash Flow Coverage Ratio
3.92 0.11 0.23 0.79 -6.40
Operating Cash Flow to Sales Ratio
0.16 0.14 0.32 0.43 -0.18
Free Cash Flow Yield
5.95%11.04%11.84%17.69%-9.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
23.69 11.66 15.03 14.50 18.35
Price-to-Sales (P/S) Ratio
2.49 1.12 2.46 2.28 2.04
Price-to-Book (P/B) Ratio
1.74 0.84 1.39 1.01 0.84
Price-to-Free Cash Flow (P/FCF) Ratio
16.75 9.06 8.45 5.65 -10.35
Price-to-Operating Cash Flow Ratio
15.75 8.19 7.80 5.28 -11.45
Price-to-Earnings Growth (PEG) Ratio
-1.79 -0.81 1.27 0.26 -0.58
Price-to-Fair Value
1.74 0.84 1.39 1.01 0.84
Enterprise Value Multiple
17.36 9.56 264.81 -70.95 -92.16
Enterprise Value
191.54M 111.28M 193.31M -25.40M -20.18M
EV to EBITDA
14.28 9.56 264.81 -70.95 -92.16
EV to Sales
2.33 1.39 3.47 -0.47 -0.42
EV to Free Cash Flow
15.63 11.19 11.92 -1.17 2.11
EV to Operating Cash Flow
14.70 10.12 11.01 -1.10 2.34
Tangible Book Value Per Share
22.80 20.88 19.10 249.42 234.44
Shareholders’ Equity Per Share
23.15 21.25 19.47 23.06 22.46
Tax and Other Ratios
Effective Tax Rate
0.19 0.15 0.14 0.13 0.09
Revenue Per Share
16.14 15.98 10.99 10.25 9.30
Net Income Per Share
1.70 1.54 1.80 1.61 1.03
Tax Burden
0.81 0.85 0.86 0.87 0.91
Interest Burden
0.92 1.00 1.00 -3.99 1.16
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.29 0.40 0.50 0.49 0.54
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.31 1.42 1.93 2.75 -1.60
Currency in USD
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