See more : Conduit Holdings Limited (CRE.L) Income Statement Analysis – Financial Results
Complete financial analysis of Old Point Financial Corporation (OPOF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Old Point Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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Old Point Financial Corporation (OPOF)
About Old Point Financial Corporation
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 59.47M | 55.72M | 53.68M | 48.50M | 47.90M | 46.56M | 43.43M | 40.33M | 39.80M | 39.08M | 37.92M | 41.77M | 41.73M | 43.55M | 39.97M | 40.22M | 38.16M | 36.02M | 34.53M | 33.81M | 30.99M | 29.30M | 25.49M | 22.62M | 21.01M | 5.56M | 4.87M | 4.74M | 4.67M | 4.19M | 4.27M | 6.35M |
| Cost of Revenue | -3.02M | 3.73M | 3.63M | 3.37M | 2.65M | 2.49M | 2.77M | 2.36M | 1.62M | 2.04M | 0.00 | 0.00 | 0.00 | 1.83M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 62.49M | 51.99M | 50.05M | 45.13M | 45.24M | 44.07M | 40.66M | 37.97M | 38.18M | 37.04M | 37.92M | 41.77M | 41.73M | 41.72M | 39.97M | 40.22M | 38.16M | 36.02M | 34.53M | 33.81M | 30.99M | 29.30M | 25.49M | 22.62M | 21.01M | 5.56M | 4.87M | 4.74M | 4.67M | 4.19M | 4.27M | 6.35M |
| Gross Profit Ratio | 105.08% | 93.31% | 93.24% | 93.05% | 94.46% | 94.66% | 93.63% | 94.16% | 95.94% | 94.78% | 100.00% | 100.00% | 100.00% | 95.81% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 31.43M | 28.05M | 26.08M | 26.17M | 24.82M | 24.03M | 25.49M | 21.31M | 22.67M | 22.20M | 21.36M | 22.46M | 23.43M | 23.41M | 22.53M | 17.04M | 15.93M | 15.19M | 14.38M | 13.20M | 12.11M | 11.08M | 10.12M | 9.34M | 8.68M | 7.80M | 7.67M | 7.41M | 7.18M | 7.05M | 6.81M | 5.95M |
| Selling & Marketing | 13.11M | 473.00K | 370.00K | 381.00K | 552.00K | 611.00K | 575.00K | 612.00K | 584.00K | 822.00K | 809.00K | 758.00K | 1.36M | 1.49M | 1.42M | 773.00K | 724.00K | 775.00K | 748.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 44.54M | 28.05M | 26.08M | 26.17M | 24.82M | 24.03M | 25.49M | 21.31M | 22.67M | 22.20M | 21.36M | 22.46M | 24.78M | 24.90M | 23.94M | 17.81M | 16.66M | 15.97M | 15.13M | 13.20M | 12.11M | 11.08M | 10.12M | 9.34M | 8.68M | 7.80M | 7.67M | 7.41M | 7.18M | 7.05M | 6.81M | 5.95M |
| Other Expenses | 0.00 | -13.03M | -70.02M | -68.76M | -63.77M | -62.56M | -8.33M | -7.91M | 0.00 | 0.00 | -59.06M | -63.72M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -46.67M | -23.06M | -19.11M | -12.01M | -8.91M | -9.79M | 5.52M | 3.67M | 2.71M | 822.00K | 297.00K | -454.00K | -193.00K |
| Operating Expenses | 44.54M | 43.58M | -43.94M | -42.59M | -38.96M | -35.99M | 30.02M | 26.87M | 28.23M | 28.07M | -37.70M | -41.26M | 448.00K | 654.00K | 619.00K | 773.00K | 724.00K | 775.00K | 748.00K | -33.47M | -10.95M | -8.04M | -1.89M | 425.00K | -1.11M | 13.31M | 11.34M | 10.11M | 8.00M | 7.35M | 6.35M | 5.76M |
| Cost & Expenses | 44.54M | 47.31M | -43.94M | -42.59M | -38.96M | -35.99M | 32.78M | 29.23M | 29.84M | 30.11M | -37.70M | -41.26M | 448.00K | 2.48M | 619.00K | 773.00K | 724.00K | 775.00K | 748.00K | -33.47M | -10.95M | -8.04M | -1.89M | 425.00K | -1.11M | 13.31M | 11.34M | 10.11M | 8.00M | 7.35M | 6.35M | 5.76M |
| Interest Income | 66.30M | 47.96M | 42.18M | 39.88M | 40.02M | 37.97M | 32.78M | 29.71M | 30.16M | 30.16M | 29.73M | 32.48M | 36.19M | 40.84M | 41.26M | 46.50M | 49.02M | 44.89M | 36.49M | 33.64M | 33.17M | 34.11M | 35.11M | 33.64M | 29.48M | 27.81M | 25.24M | 23.38M | 21.53M | 19.23M | 19.11M | 20.99M |
| Interest Expense | 18.43M | 3.61M | 3.46M | 5.29M | 6.42M | 4.97M | 3.01M | 2.57M | 3.63M | 3.85M | 4.68M | 5.77M | 6.72M | 9.98M | 14.32M | 19.01M | 23.35M | 20.28M | 12.32M | 9.25M | 9.64M | 11.96M | 16.16M | 16.71M | 13.86M | 12.70M | 10.68M | 10.09M | 9.53M | 7.63M | 7.74M | 10.00M |
| Depreciation & Amortization | 2.58M | 2.42M | 2.44M | 2.53M | 2.54M | 2.47M | 2.74M | 2.73M | 2.54M | 2.28M | 1.95M | 1.88M | 1.82M | 1.94M | 1.85M | 1.77M | 1.69M | 1.54M | 1.39M | 1.30M | 1.37M | 1.44M | 1.48M | 1.38M | 1.25M | 990.00K | 941.00K | 883.00K | 768.00K | 884.00K | 919.00K | 704.00K |
| EBITDA | 0.00 | 730.00K | 358.00K | 219.00K | 235.00K | 151.00K | 151.00K | 597.00K | 453.00K | 180.00K | 214.00K | 0.00 | 6.17M | 3.64M | 7.19M | 11.21M | 12.82M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 25.46% | 22.68% | 17.39% | 23.97% | 27.14% | 12.96% | 22.95% | 24.78% | 26.71% | 26.75% | 30.74% | 30.87% | 31.27% | 45.21% | 75.13% | 94.80% | 87.31% | 68.36% | 66.07% | 69.08% | 77.48% | 98.36% | 107.96% | 100.67% | 357.18% | 351.93% | 332.14% | 287.75% | 296.58% | 270.22% | 201.78% |
| Operating Income | 14.93M | 11.76M | 9.74M | 5.91M | 8.94M | 10.17M | 151.00K | 597.00K | 453.00K | 180.00K | 214.00K | 506.00K | 325.00K | 449.00K | 401.00K | 236.00K | 486.00K | 539.00K | 522.00K | 346.00K | 20.04M | 21.26M | 23.60M | 23.05M | 19.90M | 18.87M | 16.21M | 14.85M | 12.67M | 11.53M | 10.63M | 12.11M |
| Operating Income Ratio | 25.10% | 21.11% | 18.14% | 12.19% | 18.67% | 21.84% | 0.35% | 1.48% | 1.14% | 0.46% | 0.56% | 1.21% | 0.78% | 1.03% | 1.00% | 0.59% | 1.27% | 1.50% | 1.51% | 1.02% | 64.66% | 72.57% | 92.57% | 101.88% | 94.73% | 339.38% | 332.62% | 313.49% | 271.31% | 275.47% | 248.71% | 190.70% |
| Total Other Income/Expenses | -5.87M | -5.11M | 9.38M | -5.43M | 8.71M | -4.92M | -2.74M | -4.37M | -4.80M | -4.12M | -4.63M | 4.68M | -2.14M | -2.39M | -5.70M | -2.00M | -2.17M | 0.00 | 0.00 | 0.00 | -9.64M | -11.96M | -16.16M | -16.71M | -13.86M | -12.70M | -10.68M | -10.09M | -9.53M | -7.63M | -7.74M | -10.00M |
| Income Before Tax | 9.06M | 10.58M | 9.74M | 5.91M | 8.94M | 5.20M | -126.00K | 3.75M | 3.69M | 4.31M | 3.51M | 5.18M | 4.35M | 1.70M | 1.89M | 9.44M | 11.14M | 9.63M | 9.90M | 11.79M | 10.40M | 9.31M | 7.44M | 6.34M | 6.04M | 6.17M | 5.53M | 4.75M | 3.14M | 3.91M | 2.88M | 2.11M |
| Income Before Tax Ratio | 15.24% | 18.99% | 18.14% | 12.19% | 18.67% | 11.16% | -0.29% | 9.30% | 9.27% | 11.03% | 9.26% | 12.41% | 10.43% | 3.89% | 4.74% | 23.48% | 29.18% | 26.75% | 28.66% | 34.87% | 33.54% | 31.77% | 29.20% | 28.03% | 28.74% | 111.01% | 113.48% | 100.38% | 67.22% | 93.36% | 67.46% | 33.28% |
| Income Tax Expense | 1.33M | 1.47M | 1.30M | 521.00K | 1.08M | 279.00K | -97.00K | 82.00K | 54.00K | 196.00K | 348.00K | 995.00K | 1.06M | 149.00K | 211.00K | 2.65M | 3.17M | 2.61M | 2.63M | 3.21M | 2.57M | 2.26M | 1.73M | 1.21M | 1.22M | 1.54M | 1.44M | 1.31M | 797.00K | 1.14M | 667.00K | 376.00K |
| Net Income | 7.73M | 9.11M | 8.44M | 5.39M | 7.86M | 4.92M | -29.00K | 3.67M | 3.63M | 4.12M | 3.16M | 4.19M | 3.29M | 1.55M | 1.68M | 6.79M | 7.97M | 7.02M | 7.27M | 8.58M | 7.83M | 7.05M | 5.71M | 5.13M | 4.82M | 4.64M | 4.09M | 3.45M | 2.34M | 2.77M | 2.22M | 1.74M |
| Net Income Ratio | 13.00% | 16.35% | 15.72% | 11.11% | 16.41% | 10.57% | -0.07% | 9.10% | 9.13% | 10.53% | 8.34% | 10.03% | 7.88% | 3.55% | 4.21% | 16.88% | 20.88% | 19.50% | 21.05% | 25.38% | 25.25% | 24.07% | 22.40% | 22.69% | 22.95% | 83.37% | 83.91% | 72.74% | 50.15% | 66.23% | 51.85% | 27.36% |
| EPS | 1.54 | 1.80 | 1.61 | 1.03 | 1.51 | 0.96 | -0.01 | 0.77 | 0.73 | 0.83 | 0.64 | 0.84 | 0.66 | 0.31 | 0.34 | 1.39 | 1.61 | 1.41 | 1.45 | 1.72 | 1.58 | 1.44 | 1.18 | 1.06 | 1.00 | 0.96 | 0.85 | 1.45 | 0.98 | 1.17 | 0.94 | 0.75 |
| EPS Diluted | 1.54 | 1.80 | 1.61 | 1.03 | 1.51 | 0.96 | -0.01 | 0.77 | 0.73 | 0.83 | 0.64 | 0.84 | 0.66 | 0.31 | 0.34 | 1.38 | 1.59 | 1.39 | 1.42 | 1.68 | 1.54 | 1.42 | 1.17 | 1.06 | 0.99 | 0.95 | 0.85 | 1.45 | 0.98 | 1.17 | 0.94 | 0.75 |
| Weighted Avg Shares Out | 5.03M | 5.07M | 5.24M | 5.22M | 5.20M | 5.14M | 4.99M | 4.96M | 4.96M | 4.96M | 4.96M | 4.96M | 4.95M | 4.93M | 4.91M | 4.90M | 4.96M | 4.99M | 5.02M | 5.00M | 4.95M | 4.89M | 4.86M | 4.86M | 4.84M | 4.82M | 4.80M | 2.39M | 2.39M | 2.36M | 2.34M | 2.31M |
| Weighted Avg Shares Out (Dil) | 5.03M | 5.07M | 5.24M | 5.22M | 5.20M | 5.14M | 4.99M | 4.96M | 4.96M | 4.96M | 4.96M | 4.96M | 4.95M | 4.93M | 4.94M | 4.94M | 5.00M | 5.06M | 5.12M | 5.11M | 5.10M | 4.99M | 4.90M | 4.94M | 4.85M | 4.87M | 4.83M | 2.39M | 2.39M | 2.36M | 2.34M | 2.31M |
£1bn schools plan to help children after lockdown - updates
Welcome to today's live coverage of the COVID-19 coronavirus pandemic. In this morning's lead story, Prime Minister Boris Johnson outlines £1bn plan to help pupils catch up after lockdown. Scroll down for latest pandemic news and updates.
U-turns, blunders & missed targets dominate Govt’s pandemic response
The London Economic | It's not pretty...the Government has missed targets, u-turned and backtracked during the coronavirus crisis Politics
Failed test-and-trace app cost more than £11m, Government figures show
The Government spent more than £11million on its now defunct contact tracing app, it has emerged. Contracts worth £11,297,811 were awarded to 11 private firms to help develop the NHSX app before it was ditched in favour of alternative technology,...
Government spent millions on tracing app contracts, figures show
The London Economic | Official records show contracts awarded to firms to help develop the now abandoned NHSX-built app were worth £11,297,811. News
Well done, Matt Hancock. You could not have cocked things up any more
More than one political career will be killed off by the pandemic, but that of the Health Secretary is closest to 63,000 freshly-dug graves
Best reactions after another Govt u-turn...this time on tracing apps
The London Economic | We have lost count of the number of Government u-turns but the reactions to each one are genius.| News
Government spent more than £11m on tracing app contracts, figures show - Evening Telegraph
The Government awarded contracts worth more than £11 million to companies to help develop its contact tracing app before its U-turn to work with Apple and Google, figures indicate.
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Five times tech did not go as planned for the Government
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Source: https://incomestatements.info
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