Old Point Financial
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
18.0723.4133.79-5.12K22.8118.1718.3514.5015.0311.6515.7418.17
Price/Sales ratio
1.902.133.073.412.412.982.032.282.451.511.552.98
Price/Book Value ratio
0.840.911.321.541.101.300.841.011.380.841.101.10
Price/Cash Flow ratio
7.4110.8614.3215.739.2311.54-11.455.287.798.198.8111.54
Price/Free Cash Flow ratio
11.9414.0015.9716.839.6113.49-10.345.658.449.068.9113.49
Price/Earnings Growth ratio
0.60-1.946.1650.81-0.000.31-0.570.251.27-0.801.05-0.00
Dividend Yield
1.73%1.98%1.59%1.48%2.01%1.74%2.53%2.14%1.92%3.12%2.22%2.01%
Profitability Indicator Ratios
Gross Profit Margin
94.78%95.94%94.16%93.62%94.65%94.46%93.05%93.23%93.30%105.08%89.15%94.46%
Operating Profit Margin
0.46%1.13%1.48%0.34%21.83%18.66%12.18%18.13%21.11%25.10%27.98%21.83%
Pretax Profit Margin
11.03%9.26%9.30%-0.29%11.16%18.66%12.18%18.13%18.99%15.24%12.01%11.16%
Net Profit Margin
10.53%9.13%9.09%-0.06%10.56%16.41%11.11%15.72%16.34%12.99%9.87%16.41%
Effective Tax Rate
4.54%1.46%2.18%76.98%5.36%12.08%8.81%13.31%13.92%14.71%17.83%5.36%
Return on Assets
0.46%0.40%0.40%-0.00%0.47%0.74%0.43%0.63%0.67%0.53%0.54%0.47%
Return On Equity
4.65%3.90%3.90%-0.03%4.82%7.16%4.60%6.98%9.22%7.23%7.37%4.82%
Return on Capital Employed
0.02%0.05%0.28%0.05%3.83%3.82%2.53%1.06%0.87%1.03%1.55%3.82%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/A0.020.03N/AN/AN/AN/AN/A0.03
Quick Ratio
278.0277.650.321.071.100.280.300.9621.51N/AN/A0.28
Cash ratio
52.0610.830.030.010.050.100.120.411.69N/AN/A0.10
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.030.02N/A0.060.060.030.000.020.030.020.040.04
Debt Equity Ratio
0.330.26N/A0.700.610.350.010.240.410.270.600.60
Long-term Debt to Capitalization
0.250.21N/A0.410.380.260.010.190.230.210.370.37
Total Debt to Capitalization
0.250.21N/A0.410.380.260.010.190.290.210.370.37
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A0.04N/AN/AN/A1.19N/A
Cash Flow to Debt Ratio
0.330.31N/A0.130.190.31-6.390.780.420.370.200.19
Company Equity Multiplier
9.909.629.6110.1910.179.6010.4611.0713.7213.5412.8010.17
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.250.190.210.210.260.25-0.170.430.310.180.170.25
Free Cash Flow / Operating Cash Flow Ratio
0.620.770.890.930.960.851.100.930.920.900.980.96
Cash Flow Coverage Ratio
0.330.31N/A0.130.190.31-6.390.780.420.370.200.19
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A1.54N/AN/AN/A
Dividend Payout Ratio
31.31%46.39%54.04%-7579.31%45.98%31.75%46.48%31.04%28.98%36.44%34.92%34.92%