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Zacks Company Profile for Old Point Financial Corporation (OPOF : NSDQ)

• Company Description    Old Point Financial Corporation was incorporated for the purpose of acquiring all the outstanding common stock of The Old Point National Bank of Phoebus. The bank provides a full range of banking and related financial services, including checking, savings, certificates of deposit, and other depository services, commercial, industrial, residential real estate and consumer loan services, safekeeping services. Number of Employees: 262

• Price / Volume Information    Yesterday's Closing Price: $39.93 Daily Weekly Monthly 20 Day Moving Average: 49,937 shares Shares Outstanding: 5.11 (millions) Market Capitalization: $203.84 (millions) Beta: -0.30 52 Week High: $40.95 52 Week Low: $14.36 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.96% -3.31% 12 Week 9.52% -9.98% Year To Date 53.22% 45.99%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 101 EAST QUEEN STREET - HAMPTON,VA 23669 USA ph: 757-728-1200 fax: 757-728-1279 lwright@oldpoint.com http://www.oldpoint.com

• General Corporate Information    Officers Robert F. Shuford - Chief Executive Officer; Chairman; President and D Cathy W. Liles - Chief Financial Officer & Senior Vice President Stephen C. Adams - Director Sarah B. Castleberry - Director Michael A. Glasser - Director Peer Information Old Point Financial Corporation (TSFG) Old Point Financial Corporation (ABCB) Old Point Financial Corporation (CFNL) Old Point Financial Corporation (CPKF) Old Point Financial Corporation (HIB) Old Point Financial Corporation (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 680194107 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 03/01/25 Next Expected EPS Date: 07/24/25 Share - Related Items Shares Outstanding: 5.11 Most Recent Split Date: 10.00 (1.25:1) Beta: -0.30 Market Capitalization: $203.84 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 1.40% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.56 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.29 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.05 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 06/09/2025 - $0.14 Next EPS Report Date: 07/24/25

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 20.69 PEG Ratio: - Price Ratios Price/Book: 1.74 Price/Cash Flow: 15.98 Price / Sales: 2.36 EPS Growth vs. Year Ago Period: 14.71% vs. Previous Quarter: -31.58% Sales Growth vs. Year Ago Period: 2.64% vs. Previous Quarter: -2.22% ROE 03/31/25 - 8.58 12/31/24 - 8.51 09/30/24 - 7.38 ROA 03/31/25 - 0.68 12/31/24 - 0.66 09/30/24 - 0.56 Current Ratio 03/31/25 - 0.90 12/31/24 - 0.90 09/30/24 - 0.92 Quick Ratio 03/31/25 - 0.90 12/31/24 - 0.90 09/30/24 - 0.92 Operating Margin 03/31/25 - 11.34 12/31/24 - 11.08 09/30/24 - 9.47 Net Margin 03/31/25 - 11.52 12/31/24 - 11.08 09/30/24 - 9.47 Pre-Tax Margin 03/31/25 - 14.03 12/31/24 - 13.29 09/30/24 - 11.53 Book Value 03/31/25 - 22.96 12/31/24 - 22.44 09/30/24 - 22.75 Inventory Turnover 03/31/25 - 740.54 12/31/24 - - 09/30/24 - 172.52 Debt-to-Equity 03/31/25 - 0.34 12/31/24 - 0.35 09/30/24 - 0.35 Debt-to-Capital 03/31/25 - 25.44 12/31/24 - 25.98 09/30/24 - 25.73

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