Old Point Financial Annual Income Statement (NASDAQ:OPOF)

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$21.45 $1.08 (5.3%) OPOF stock closing price Oct 20, 2016 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Old Point Financial stock price. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the OPOF stock is bound to reflect the impact of the YoY growth of $0.5M. One also needs to look at Old Point Financial assets, operating expenses and Old Point Financial free cash flow. The profit and loss statement shows revenue of $43.43M for 2015. Revenue has grown by $0.5M YoY for OPOF stock. Old Point Financial revenue for 2015 is $43.43M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Old Point Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)2.37M2.58M3.42M4.23M4.9M7.03M10.31M14.1M16.45M13.29M
Old Point Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense35.15M33.9M33.06M35.8M35.96M40.4M37.4M30.34M27.02M26.38M
Income Before Depreciation Depletion Amortization5.9M6.44M6.11M7.5M7.57M6.08M6.58M14.77M18.03M16.61M
Depreciation Depletion Amortization----------
Non Operating Income-0.95M-0.87M-1.34M-0.77M-1.41M-1.44M-0.68M-0.42M--
Interest Expense1.26M1.26M1.25M1.54M1.81M2.94M4.01M4.9M6.89M6.98M
Old Point Financial Pretax Income
Provision for Income Taxes0.05M0.19M0.34M0.99M1.06M0.14M0.21M2.65M3.16M2.61M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.63M4.11M3.16M4.18M3.29M1.54M1.68M6.79M7.96M7.02M
Extraordinary Items & Discontinued Operations----------
Old Point Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS4.96M4.96M4.96M4.96M4.95M4.93M4.94M-4.95M4.05M
Average Shares used to compute Basic EPS4.96M4.96M4.96M4.96M4.95M4.93M4.91M-4.95M3.99M
Income Before Nonrecurring Items3.63M4.12M3.16M4.19M3.29M1.55M1.68M-7.97M7.02M
Income from Nonrecurring Items----------
Old Point Financial Earnings Per Share Basic Net
Old Point Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.730.830.640.840.660.310.34-1.591.73
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.340.
All figures in USD. M: Millions of USD, B: Billions of USD.

Before investing one should read a report on Old Point Financial stock analysis. It helps to look at the following income statement items:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that OPOF stock has a topline or revenue of $43.43M for 2015 as per this Old Point Financial revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. OPOF stock had a healthy bottom line growth.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Old Point Financial historical stock prices to check how the price has moved with time. .

Old Point Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield