Old Point Financial (OPOF) Competitors

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

Is OPOF or EMCF more profitable?

Emclaire Financial has a net margin of 25.57% compared to Old Point Financial's net margin of 9.47%. Emclaire Financial's return on equity of 12.79% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	9.47%	7.38%	0.56%
Emclaire Financial	25.57%	12.79%	0.98%

Which has preferable earnings & valuation, OPOF or EMCF?

Emclaire Financial has lower revenue, but higher earnings than Old Point Financial. Emclaire Financial 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	$80.50M	1.29	$7.73M	$1.60	12.76
Emclaire Financial	$41.17M	2.10	$10.17M	$3.68	8.59

Is OPOF or EMCF a better dividend stock?

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 2.7%. Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.9%. Old Point Financial pays out 35.0% of its earnings in the form of a dividend. Emclaire Financial pays out 33.7% 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. Emclaire Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do institutionals & insiders have more ownership in OPOF or EMCF?

33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 8.6% of Emclaire Financial shares are held by institutional investors. 21.1% of Old Point Financial shares are held by insiders. Comparatively, 15.5% of Emclaire Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Which has more volatility & risk, OPOF or EMCF?

Old Point Financial has a beta of 0.29, suggesting that its share price is 71% less volatile than the S&P 500. Comparatively, Emclaire Financial has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500.

Does the media prefer OPOF or EMCF?

In the previous week, Old Point Financial had 2 more articles in the media than Emclaire Financial. MarketBeat recorded 2 mentions for Old Point Financial and 0 mentions for Emclaire Financial. Old Point Financial's average media sentiment score of 0.00 equaled Emclaire Financial'saverage media sentiment score.

Company	Overall Sentiment
Old Point Financial	Neutral
Emclaire Financial	Neutral

Does the MarketBeat Community favor OPOF or EMCF?

Old Point Financial received 40 more outperform votes than Emclaire Financial when rated by MarketBeat users. However, 70.65% of users gave Emclaire Financial an outperform vote while only 51.67% of users gave Old Point Financial an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 170 51.67%	Underperform Votes 159 48.33%
Emclaire Financial	Outperform Votes 130 70.65%	Underperform Votes 54 29.35%

Summary

Emclaire Financial beats Old Point Financial on 9 of the 16 factors compared between the two stocks.