Start with its own history
At 24.62×, OPOF is 29.1% above its 9-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · OPOFBanks - RegionalUpdated Nov 4, 2026
Old Point Financial Corporation P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
24.62×
29.1% abovethe 9-observation annual average
Share price42.1
÷Earnings per share1.71
Price and EPS in quote currency. Calculation details
Investors are paying 24.62 for every 1 of reported earnings per share.
P/E over time
2015 – 2024
Annual P/ESelected-period average 19.07×
3-year average13.50×3 positive annual observations
5-year average14.69×5 positive annual observations
10-year average19.07×9 positive annual observations
Peer median · TTM12.17×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2024 | 13.86× | +19.1% |
| Dec 31, 2023 | 11.64× | -22.4% |
| Dec 31, 2022 | 15.00× | +3.3% |
| Dec 31, 2021 | 14.52× | -21.1% |
| Dec 31, 2020 | 18.41× | +1.1% |
| Dec 31, 2019 | 18.21× | -19.9% |
| Dec 31, 2018 | 22.74× | N/M |
| Dec 31, 2017 | N/M | N/M |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2016 | 33.78× | +43.7% |
| Dec 31, 2015 | 23.51× | +30.1% |
| Dec 31, 2014 | 18.07× | -9.8% |
| Dec 31, 2013 | 20.03× | +52.3% |
| Dec 31, 2012 | 13.15× | -14.0% |
| Dec 31, 2011 | 15.30× | -60.6% |
| Dec 31, 2010 | 38.87× | -15.0% |
| Dec 31, 2009 | 45.74× | +232.3% |
| Dec 31, 2008 | 13.76× | +8.9% |
| Dec 31, 2007 | 12.64× | -21.6% |
| Dec 31, 2006 | 16.11× | -1.0% |
| Dec 31, 2005 | 16.28× | +0.7% |
| Dec 31, 2004 | 16.16× | +0.5% |
| Dec 31, 2003 | 16.08× | +17.9% |
| Dec 31, 2002 | 13.63× | +4.0% |
| Dec 31, 2001 | 13.11× | +53.2% |
| Dec 31, 2000 | 8.56× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How OPOF compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 OPOF This stockOld Point Financial Corporation | 24.62× |
 CALBCalifornia BanCorp | 9.72× |
 ESSAESSA Bancorp, Inc. | 11.58× |
 EVBNEvans Bancorp, Inc. | 18.39× |
 PWODPenns Woods Bancorp, Inc. | 12.77× |
 CVLYCodorus Valley Bancorp, Inc. | 9.25× |
 FFNWFirst Financial Northwest, Inc. | 188.00× |
 CVCYCentral Valley Community Bancorp | 13.26× |
 LMSTLimestone Bancorp, Inc. | 9.76× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does OPOF’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 12.17×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take OPOF into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("OPOF", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 42.1 ÷ EPS 1.71 = 24.62×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 4, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
OPOF P/E ratio: common questions
The essentials behind the numbers.
Old Point Financial Corporation's current P/E is 24.62× based on the quote data last updated Nov 4, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.