Old Point Financial Corporation

OPOFNASDAQFinancial Services

$42.10

+$0.94(+2.28%)

Market Cap$214802620

P/E Ratio—

52W High$42.68

52W Low$17.02

Avg Volume39K

Open$42.10

Beta-0.30

Free Cash Flow Financials Revenue

Old Point Financial Corporation (OPOF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

OPOF · free cash flow · updated Jun 9, 2026

Core FCF metrics

OPOF · FCF · TTM · margin & CAGR

Free cash flow was $13.2M for FY2024 (fiscal year ending 2024-12-31), up 33.1% year-over-year The FCF margin was 15.4%. Five-year CAGR stands at +4.6%.

FY2024 Free Cash Flow$13.2M▲ +33.1% YoY

Trailing 12M (TTM)$14.0Mtrailing 4 quarters sum

FCF Margin15.4%$13.2M ÷ revenue

3-Year CAGR-15.2%FY2021 → FY2024

5-Year CAGR+4.6%FY2019 → FY2024

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

OPOF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2024Latest$14.6M(1M)$13.2M▲ +33.1%15.4%

FY2023$11.0M(1M)$9.9M▼ 38.7%12.4%

FY2022$17.6M(1M)$16.2M▼ 25.2%27.1%

FY2021$23.2M(2M)$21.7M▲ +326.6%37.9%

FY2020−$8.6M(1M)−$9.6M▼ 190.3%-17.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

OPOF · P/FCF · FCF yield · FCF per share

Old Point Financial Corporation (OPOF) trades at a FCF yield of 3.51% and a price-to-free-cash-flow ratio of 15.3x. FCF per share stands at $2.76, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

3.51%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.76

TTM FCF ÷ Shares Outstanding

Price / FCF

x15.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x35.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2024 · 2024-12-31

Cash flow statement summary

OPOF · cash flow statement · operating / investing / financing

For FY2024, Old Point Financial Corporation generated $14.6M in operating cash flow and spent 1M in capital expenditures, yielding $13.2M in free cash flow.

Operating Activities

+$14.6M

Cash from core business operations

2024-12-31

Investing Activities

+$50.7M

CapEx, acquisitions & investments

2024-12-31

Financing Activities

−$6.1M

Buybacks, dividends & debt

2024-12-31

FCF FormulaOperating CF ($14.6M) − |CapEx| (1M) = FCF ($13.2M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

OPOF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Old Point Financial CorporationYOU

OPOF

$13.2M+33.1%15.4%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Old Point Financial Corporation (OPOF) reported free cash flow of $13.2M for FY2024 (fiscal year ending 2024-12-31), up 33.1% year-over-year. The FCF margin was 15.4%.

Based on available data, Old Point Financial Corporation has maintained positive free cash flow for at least 13 fiscal year(s). FCF peaked at $21.7M in FY2021. The 5-year CAGR stands at +4.6%.

Old Point Financial Corporation's FCF yield is 3.51% and price-to-FCF ratio is 15.3x for FY2024, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

OPOF free cash flow · 8 questions

Old Point Financial Corporation free cash flow was $13.2M for FY2024, up 33.1% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $14.0M.

OPOF free cash flowOPOF FCFOPOF FCF 2024OPOF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Old Point Financial Corporation · Old Point Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026