Old Point Financial (OPOF) Competitors

Old Point Financial (NASDAQ:OPOF) and Unity Bancorp (NASDAQ:UNTY) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, community ranking, institutional ownership, profitability and media sentiment.

Does the MarketBeat Community believe in OPOF or UNTY?

Old Point Financial received 1 more outperform votes than Unity Bancorp when rated by MarketBeat users. However, 64.50% of users gave Unity Bancorp an outperform vote while only 50.00% of users gave Old Point Financial an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 170 50.00%	Underperform Votes 170 50.00%
Unity Bancorp	Outperform Votes 169 64.50%	Underperform Votes 93 35.50%

Which has preferable earnings and valuation, OPOF or UNTY?

Unity Bancorp has higher revenue and earnings than Old Point Financial. Unity Bancorp is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$85.82M	1.76	$9.51M	$1.88	15.85
Unity Bancorp	$164.21M	2.87	$41.45M	$4.06	11.61

Do insiders and institutionals hold more shares of OPOF or UNTY?

33.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are owned by institutional investors. 21.1% of Old Point Financial shares are owned by insiders. Comparatively, 28.9% of Unity Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Is OPOF or UNTY more profitable?

Unity Bancorp has a net margin of 25.24% compared to Old Point Financial's net margin of 11.08%. Unity Bancorp's return on equity of 15.08% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	11.08%	8.56%	0.66%
Unity Bancorp	25.24%	15.08%	1.59%

Which has more volatility and risk, OPOF or UNTY?

Old Point Financial has a beta of 0.26, suggesting that its share price is 74% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 1.03, suggesting that its share price is 3% more volatile than the S&P 500.

Does the media favor OPOF or UNTY?

In the previous week, Old Point Financial had 2 more articles in the media than Unity Bancorp. MarketBeat recorded 3 mentions for Old Point Financial and 1 mentions for Unity Bancorp. Unity Bancorp's average media sentiment score of 1.95 beat Old Point Financial's score of 0.44 indicating that Unity Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Old Point Financial	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Unity Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Do analysts prefer OPOF or UNTY?

Unity Bancorp has a consensus target price of $54.50, suggesting a potential upside of 15.61%. Given Unity Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Unity Bancorp is more favorable than Old Point Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is OPOF or UNTY a better dividend stock?

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.9%. Unity Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.1%. Old Point Financial pays out 29.8% of its earnings in the form of a dividend. Unity Bancorp pays out 12.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Unity Bancorp has increased its dividend for 11 consecutive years.

Summary

Unity Bancorp beats Old Point Financial on 17 of the 21 factors compared between the two stocks.