Operating profit before amortization: Old Point Financial Corporation (OPOF)

Graphic logo of Old Point Financial Corporation (OPOF)

Old Point Financial (OPOF) consolidated EBITDA reflects the ultra-conservative management of Virginia's oldest bank and its transparent loan portfolio. Resilience to volatility is driven by deep local trust and stable deposits. A mature product line relies on reliable service for private capital. The current metric level is , allowing for a real-time assessment of the business's actual operational efficiency.

OPOF Old Point Financial: Profit before payment of interest, taxes and amortization in the range 07/04/2022 - 11/10/2026

Summary analytical data breakdowns for Old Point Financial Corporation (OPOF)

- market price and analyst price targets:
- company stock exchange capitalization indicators:
Summary company analytics:Old Point Trust - OPOF
Manufactured product of Old Point National Bank

The scaling of Old Point Financial (OPOF) business through payment digitalization is reflected in the dynamics of absolute operating profit, which currently stands at . This indicator measures the actual cash flow from core operations before depreciation and interest, determining the bank's fundamental ability to service debt obligations and confirming solvency resilience during periods of market consolidation.

Competitor analysis for Old Point Financial

Operating profit EBITDA BancFirst Corp. BANF|TFSL - Profit before payment of interest, taxes and amortization|CBU (cbna.com) - Operating profit before amortization|TowneBank Inc. (TOWN) - Profit before payment of interest, taxes and amortization|NBT Bancorp (NBTB) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization First Bancorp Corp|Stock Yards Corp (SYBT) - Operating income before deduction of amortization|Profit before payment of interest, taxes and amortization Dime Community Bancshares (DCOM)|BFC - Profit before interest, taxes and amortization|Profit before payment of interest, taxes and amortization Community Trust Bank CTBI|Burke & Herbert Bank & Trust Company - Profit before payment of interest, taxes and amortization|Southside Bancshares Inc - Operating profit EBITDA|EQBK (Equity Financial) - Operating profit before amortization|CCNE (CNB Financial Corporation) - Operating profit before deduction of amortization|ccbg.com - Income before deduction of interest, taxes and amortization|Profit before payment of interest, taxes and amortization TrustCo Bank|HomeTrust Bancshares - Profit before deduction of interest, taxes, depreciation and amortization|Profit before payment of interest, taxes and amortization Mid Penn Bancorp Inc (MPB)|FSBC - Profit before interest, taxes and amortization|Operating profit EBITDA ORRF (Orrstown Financial Services)|Operating income before deduction of amortization needhambank.com (NBBK)|FCBC - Profit before payment of interest, taxes and amortization|IBCP (Independent Bank Corporation) - Operating profit before amortization|SPFI (South Plains Financial Inc) - Operating profit before deduction of amortization|NPB: Company profit before taxes, interest and amortization|Operating profit before deduction of amortization SMBC|HTBK: Income before deduction of interest, taxes and amortization|Operating profit EBITDA HIFS|HONE: Profit before deduction of interest, taxes, depreciation and amortization|Operating profit EBITDA SHBI (Shore Bancshares Inc)|Operating income before deduction of amortization Third Coast Corp (TCBX)|FMNB - Profit before payment of interest, taxes and amortization|BHB (Bar Harbor Bankshares) - Operating profit before amortization|UNTY: Operating profit EBITDA|Peoples Financial Services Corp. (PFIS) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization Peapack-Gladstone Financial Corp|Operating profit before amortization NFBK (Northfield Corp)|Operating profit EBITDA ACNB|Operating profit before deduction of amortization flushingbank.com FFIC|Operating profit EBITDA BWB (Bridgewater Bank)|Operating income before deduction of amortization Bank7 Corp (BSVN)|ChoiceOne Financial Corp - Operating profit EBITDA|CARE - Operating profit EBITDA|Home Bancorp, Inc. (HBCP) - Profit before payment of interest, taxes and amortization|KRNY (kearnybank.com) - Profit before payment of interest, taxes and amortization|Profit before payment of interest, taxes and amortization First Bank NJ|Profit before interest, taxes and amortization Community West Bancshares Inc CWBC|Profit before payment of interest, taxes and amortization Civista Bancshares Inc (CIVB)|GCBC: Profit before deduction of interest, taxes, depreciation and amortization|Profit before payment of interest, taxes and amortization Bank of Marin Bancorp BMRC|Blue Ridge Bankshares, Inc. (BRBS) - Profit before interest, taxes and amortization|Ponce Financial Group, Inc. - Operating profit EBITDA|Profit before deduction of interest, taxes, depreciation and amortization FMAO|Orange Bank & Trust (OBT) - Profit before payment of interest, taxes and amortization|WTBA (West Bancorporation Corp) - Profit before payment of interest, taxes and amortization|Profit before payment of interest, taxes and amortization Pioneer Bancorp, Inc.|Profit before interest, taxes and amortization unitedbusinessbank.com BCML|Operating profit EBITDA AVBC|Operating profit before deduction of amortization 1st Security Bank FSBW|Operating profit EBITDA CZNC (Citizens & Northern Corp)|Operating profit EBITDA PCB Bancorp Inc. PCB|CBAN - Profit before payment of interest, taxes and amortization|PLBC: Profit before payment of interest, taxes and amortization|FNLC (First National Bank) - Operating profit before deduction of amortization|Northeast Community Bank - Income before deduction of interest, taxes and amortization|JMSB (John Marshall Bancorp, Inc.) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization TSBK|Operating profit EBITDA WSBF|Operating profit EBITDA linkbank.com (LNKB)|Profit before payment of interest, taxes and amortization Parke Bank PKBK|FDBC: Operating profit before amortization|MBCN - Profit before payment of interest, taxes and amortization|CHMG - Operating profit EBITDA|Western New England Bancorp (WNEB) - Profit before payment of interest, taxes and amortization|NWFL - Operating income before deduction of amortization|Profit before payment of interest, taxes and amortization FVCbank|Profit before interest, taxes and amortization FB Bancorp FBLA|Profit before payment of interest, taxes and amortization Oak Valley Bank (OVLY)|Profit before payment of interest, taxes and amortization PVBC (bankprov.com)|Operating profit EBITDA LCNB (LCNB National Bank)|FCCO: Operating profit before amortization|BPRN: Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization HWBK (Hawthorn Bancshares)|franklinfin.com (FRAF) - Profit before payment of interest, taxes and amortization|Profit before deduction of interest, taxes, depreciation and amortization VABK (Virginia National Bankshares Corporation)|Profit before payment of interest, taxes and amortization OP Bancorp, Inc.|Profit before interest, taxes and amortization First Bank Virginia FXNC|Operating profit EBITDA CBNA|Operating income before deduction of amortization investors.bankofclarke.bank|Profit before payment of interest, taxes and amortization Blue Foundry Bank BLFY|FSFG: Operating profit before amortization|ATLO: Operating profit before deduction of amortization|peoplesbanknc.com - Company profit before taxes, interest and amortization|CBFV (CB Financial Services, Inc.) - Operating profit before deduction of amortization|BV Financial Inc. - Income before deduction of interest, taxes and amortization|UBFO (United Security Bancshares, Inc.) - Operating profit EBITDA|MainStreet Bancshares, Inc - Profit before deduction of interest, taxes, depreciation and amortization|Operating profit EBITDA HNVR|Operating income before deduction of amortization ccf.us|Profit before payment of interest, taxes and amortization CF Bankshares CFBK|RMBI: Operating profit before amortization|First Harrison Bank - Operating profit EBITDA|BCBP - Operating profit EBITDA|everettbank.com (ECBK) - Profit before payment of interest, taxes and amortization|Operating profit before amortization EBMT|FNWD (Finward Bancorp Inc.) - Operating profit EBITDA|Operating profit before deduction of amortization Rhinebeck Bancorp, Inc. (RBKB)|Operating profit EBITDA SBFG|Operating income before deduction of amortization myaffinitybank.com|Operating profit EBITDA FGBI (First Guaranty Bancshares, Inc.)|Operating profit EBITDA SR Bancorp Inc. SRBK|BSBK - Profit before payment of interest, taxes and amortization|UNB: Profit before payment of interest, taxes and amortization|Sound Community Bank (SFBC) - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization Magyar Bank Corp (MGYR)|Profit before payment of interest, taxes and amortization Riverview Bancorp, Inc.|lakeshoresavings.com - Profit before deduction of interest, taxes, depreciation and amortization|Profit before payment of interest, taxes and amortization Pathfinder Bancorp (PBHC)|CFSB - Profit before interest, taxes and amortization|Operating profit EBITDA AUBN (Auburn National Bancorporation, Inc.)|IROQ (IF Bancorp) - Profit before deduction of interest, taxes, depreciation and amortization|UBCP - Profit before payment of interest, taxes and amortization|SSBI: Profit before payment of interest, taxes and amortization|Fifth District Savings (FDSB) - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization First US Bancshares Inc. (FUSB)|BOTJ (Bank of the James Financial Group, Inc.) - Operating profit EBITDA|Operating profit before deduction of amortization Central Plains Bancshares, Inc (CPBI)|Operating profit EBITDA BYFC|Operating profit EBITDA northshoretrust.com (NSTS)|Profit before payment of interest, taxes and amortization Catalyst Bancorp CLST|First Seacoast Bancorp, Inc. - Profit before payment of interest, taxes and amortization|ASRV: Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization PBBK (PB Bankshares Corp)|OPHC: Operating profit EBITDA|TCBS (investors.broadstreet.bank) - Profit before payment of interest, taxes and amortization|HFBL (Home Federal Bank) - Operating profit EBITDA|Operating profit EBITDA BayFirst Financial Corp|Profit before payment of interest, taxes and amortization Marathon Bancorp, Inc. (MBBC)|Kentucky First Federal Bancorp, Inc - Operating profit before amortization|Profit before payment of interest, taxes and amortization The Bank of Glen Burnie GLBZ|Operating profit EBITDA Carver Federal Savings Bank CARV|BRKL - Profit before payment of interest, taxes and amortization|Operating income before deduction of amortization Enterprise Bancorp EBTC|ESSA Bancorp Inc. (ESSA) - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization Evans Bank (EVBN)|Profit before payment of interest, taxes and amortization The First Bancshares, Inc.|Profit before payment of interest, taxes and amortization FLIC|Operating profit EBITDA HMNF|htb.com - Operating profit before amortization|Independent Bank Group - Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization MCBC|PWOD - Profit before payment of interest, taxes and amortization|Profit before deduction of interest, taxes, depreciation and amortization SASR|Territorial Bancorp Inc. (TBNK) - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization Village Bank and Trust Financial Corp (VBFC)|WMPN (William Penn Bank) - Operating profit EBITDA|1895 Bancorp (BCOW) - Operating income before deduction of amortization|Profit before payment of interest, taxes and amortization Southern States Bancshares Inc (SSBK)