Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Old Point Financial Corporation (OPOF)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$36.48 - $87.60$54.04
Multi-Stage$27.21 - $29.72$28.45
Blended Fair Value$41.24
Current Price$39.25
Upside5.08%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.60%8.21%0.560.550.520.520.490.490.440.430.390.33
YoY Growth--0.75%6.70%0.76%4.59%0.36%10.34%2.91%10.84%17.62%30.80%
Dividend Yield--1.86%3.22%2.18%2.10%2.09%3.24%2.11%1.64%1.29%1.78%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)8.66
(-) Cash Dividends Paid (M)2.85
(=) Cash Retained (M)5.81
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1.731.080.65
Cash Retained (M)5.815.815.81
(-) Cash Required (M)-1.73-1.08-0.65
(=) Excess Retained (M)4.084.735.16
(/) Shares Outstanding (M)5.095.095.09
(=) Excess Retained per Share0.800.931.01
LTM Dividend per Share0.560.560.56
(+) Excess Retained per Share0.800.931.01
(=) Adjusted Dividend1.361.491.57
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.17%6.17%7.17%
Fair Value$36.48$54.04$87.60
Upside / Downside-7.06%37.69%123.18%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)8.669.209.7610.3711.0111.6912.04
Payout Ratio32.91%44.33%55.75%67.17%78.58%90.00%92.50%
Projected Dividends (M)2.854.085.446.968.6510.5211.13

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.17%6.17%7.17%
Year 1 PV (M)3.703.743.77
Year 2 PV (M)4.494.574.66
Year 3 PV (M)5.215.365.52
Year 4 PV (M)5.886.116.34
Year 5 PV (M)6.496.807.13
PV of Terminal Value (M)112.67118.13123.80
Equity Value (M)138.44144.71151.21
Shares Outstanding (M)5.095.095.09
Fair Value$27.21$28.45$29.72
Upside / Downside-30.67%-27.53%-24.27%

High-Yield Dividend Screener

« Prev Page 26 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
ODFLOld Dominion Freight Line, Inc.0.69%$1.1022.00%
RRBIRed River Bancshares, Inc.0.69%$0.487.90%
SSDSimpson Manufacturing Co., Inc.0.69%$1.1413.76%
WCCWESCO International, Inc.0.69%$1.7513.38%
ALGAlamo Group Inc.0.68%$1.1511.96%
CBKCommercial Bancgroup, Inc. Common Stock0.68%$0.166.13%
IRMDIRadimed Corporation0.68%$0.6539.59%
UNFUniFirst Corporation0.68%$1.3216.37%
WTSWatts Water Technologies, Inc.0.68%$1.9019.65%
0HF3.LCencora0.67%$2.2528.12%
AITApplied Industrial Technologies, Inc.0.67%$1.7516.64%
CLMBClimb Global Solutions, Inc.0.67%$0.6814.50%
ASTHAstrana Health, Inc.0.66%$0.1786.52%
AVGOBroadcom Inc.0.66%$2.2848.18%
ENSEnerSys0.66%$0.9911.20%
HLIOHelios Technologies, Inc.0.66%$0.3635.50%
ICFIICF International, Inc.0.66%$0.5610.52%
VMCVulcan Materials Company0.66%$1.9322.82%
AAMEAtlantic American Corporation0.65%$0.027.99%
AMATApplied Materials, Inc.0.65%$1.7319.78%
CRMSalesforce, Inc.0.65%$1.6421.86%
GHCGraham Holdings Company0.65%$7.064.22%
LFACLF Capital Acquisition Corp. II0.65%$0.0724.33%
BSYBentley Systems, Incorporated0.64%$0.2530.41%
EHCEncompass Health Corporation0.64%$0.6812.77%
LADLithia Motors, Inc.0.64%$2.136.25%
PRBMParabellum Acquisition Corp.0.64%$0.065.11%
VRSNVeriSign, Inc.0.64%$1.5417.77%
AWIArmstrong World Industries, Inc.0.63%$1.2417.71%
ESQEsquire Financial Holdings, Inc.0.63%$0.6411.29%
SGISomnigroup International Inc0.63%$0.5637.60%
ULSUL Solutions Inc.0.63%$0.5130.38%
VMIValmont Industries, Inc.0.63%$2.5821.97%
ARCBArcBest Corporation0.62%$0.4811.39%
VVisa Inc.0.62%$2.1323.10%
LSXMAThe Liberty SiriusXM Group0.61%$0.141.73%
0J1R.LHCA Healthcare, Inc.0.60%$2.8110.70%
MPWRMonolithic Power Systems, Inc.0.60%$5.6614.34%
RXNZurn Water Solutions Corporation0.60%$0.3924.10%
0I47.LCostco Wholesale Corporation0.59%$5.0527.04%
DJCODaily Journal Corporation0.59%$2.954.20%
DRSLeonardo DRS, Inc.0.59%$0.2020.75%
FCNCAFirst Citizens BancShares, Inc.0.59%$12.697.01%
AMEAMETEK, Inc.0.58%$1.2019.00%
KLACKLA Corporation0.57%$7.2622.67%
SXIStandex International Corporation0.57%$1.2729.15%
RDVTRed Violet, Inc.0.56%$0.2937.32%
0IRE.LFortive Corporation0.55%$0.3016.72%
AIMCAltra Industrial Motion Corp.0.55%$0.3417.56%
BWXTBWX Technologies, Inc.0.55%$1.0029.87%