Old Point Financial (OPOF) Competitors

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

Which has better earnings and valuation, OPOF or NBN?

Northeast Bancorp has higher revenue and earnings than Old Point Financial. Northeast 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	2.48	$9.51M	$1.70	24.54
Northeast Bancorp	$351M	2.53	$83.44M	$10.08	10.74

Is OPOF or NBN more profitable?

Northeast Bancorp has a net margin of 23.77% compared to Old Point Financial's net margin of 10.12%. Northeast Bancorp's return on equity of 19.19% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	10.12%	8.16%	0.66%
Northeast Bancorp	23.77%	19.19%	2.04%

Do analysts prefer OPOF or NBN?

Northeast Bancorp has a consensus price target of $97.50, indicating a potential downside of 9.96%. Given Northeast Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Northeast 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
Northeast Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

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

33.4% of Old Point Financial shares are owned by institutional investors. 21.1% of Old Point Financial shares are owned by insiders. Comparatively, 14.2% of Northeast Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Which has more volatility & risk, OPOF or NBN?

Old Point Financial has a beta of -0.32, suggesting that its share price is 132% less volatile than the S&P 500. Comparatively, Northeast Bancorp has a beta of 0.58, suggesting that its share price is 42% less volatile than the S&P 500.

Does the media refer more to OPOF or NBN?

In the previous week, Old Point Financial and Old Point Financial both had 1 articles in the media. Northeast Bancorp's average media sentiment score of 1.62 beat Old Point Financial's score of 0.00 indicating that Northeast 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)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Northeast 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

Is OPOF or NBN a better dividend stock?

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.3%. Northeast Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. Old Point Financial pays out 32.9% of its earnings in the form of a dividend. Northeast Bancorp pays out 0.4% 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.

Summary

Northeast Bancorp beats Old Point Financial on 13 of the 17 factors compared between the two stocks.