Old Point Financial (OPOF) Competitors

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

Which has more risk and volatility, OPOF or AMTB?

Old Point Financial has a beta of -0.22, suggesting that its share price is 122% less volatile than the S&P 500. Comparatively, Amerant Bancorp has a beta of 1.05, suggesting that its share price is 5% more volatile than the S&P 500.

Does the media favor OPOF or AMTB?

In the previous week, Amerant Bancorp had 4 more articles in the media than Old Point Financial. MarketBeat recorded 7 mentions for Amerant Bancorp and 3 mentions for Old Point Financial. Amerant Bancorp's average media sentiment score of 0.98 beat Old Point Financial's score of 0.40 indicating that Amerant 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
Amerant Bancorp	3 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community believe in OPOF or AMTB?

Old Point Financial received 108 more outperform votes than Amerant Bancorp when rated by MarketBeat users. Likewise, 49.42% of users gave Old Point Financial an outperform vote while only 48.09% of users gave Amerant Bancorp an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 171 49.42%	Underperform Votes 175 50.58%
Amerant Bancorp	Outperform Votes 63 48.09%	Underperform Votes 68 51.91%

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

33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 42.1% of Amerant Bancorp shares are held by institutional investors. 21.1% of Old Point Financial shares are held by insiders. Comparatively, 13.5% of Amerant Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Is OPOF or AMTB a better dividend stock?

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.5%. Amerant Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.9%. Old Point Financial pays out 29.8% of its earnings in the form of a dividend. Amerant Bancorp pays out -63.2% 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. Amerant Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do analysts rate OPOF or AMTB?

Amerant Bancorp has a consensus target price of $27.00, suggesting a potential upside of 45.16%. Given Amerant Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Amerant 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
Amerant Bancorp	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60

Is OPOF or AMTB more profitable?

Old Point Financial has a net margin of 11.08% compared to Amerant Bancorp's net margin of -8.38%. Old Point Financial's return on equity of 8.56% beat Amerant Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	11.08%	8.56%	0.66%
Amerant Bancorp	-8.38%	6.36%	0.51%

Which has stronger valuation & earnings, OPOF or AMTB?

Old Point Financial has higher earnings, but lower revenue than Amerant Bancorp. Amerant 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	$61.63M	3.15	$9.51M	$1.88	20.20
Amerant Bancorp	$305.29M	2.55	-$15.75M	-$0.57	-32.63

Summary

Old Point Financial and Amerant Bancorp tied by winning 10 of the 20 factors compared between the two stocks.