Old Point Financial (OPOF) Competitors

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

Does the media prefer EQBK or OPOF?

In the previous week, Old Point Financial had 2 more articles in the media than Equity Bancshares. MarketBeat recorded 4 mentions for Old Point Financial and 2 mentions for Equity Bancshares. Equity Bancshares' average media sentiment score of 1.36 beat Old Point Financial's score of 0.47 indicating that Equity Bancshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Equity Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Point Financial	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer EQBK or OPOF?

Equity Bancshares currently has a consensus target price of $48.00, suggesting a potential upside of 18.89%. Given Equity Bancshares' stronger consensus rating and higher possible upside, research analysts plainly believe Equity Bancshares is more favorable than Old Point Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Equity Bancshares	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60
Old Point Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more volatility & risk, EQBK or OPOF?

Equity Bancshares has a beta of 0.94, meaning that its share price is 6% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500.

Is EQBK or OPOF a better dividend stock?

Equity Bancshares pays an annual dividend of $0.60 per share and has a dividend yield of 1.5%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.9%. Equity Bancshares pays out 15.1% of its earnings in the form of a dividend. Old Point Financial pays out 29.8% 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.

Is EQBK or OPOF more profitable?

Equity Bancshares has a net margin of 18.66% compared to Old Point Financial's net margin of 11.08%. Equity Bancshares' return on equity of 14.64% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Equity Bancshares	18.66%	14.64%	1.31%
Old Point Financial	11.08%	8.56%	0.66%

Do institutionals and insiders have more ownership in EQBK or OPOF?

71.8% of Equity Bancshares shares are owned by institutional investors. Comparatively, 33.4% of Old Point Financial shares are owned by institutional investors. 8.0% of Equity Bancshares shares are owned by insiders. Comparatively, 21.1% of Old Point Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Which has preferable valuation & earnings, EQBK or OPOF?

Equity Bancshares has higher revenue and earnings than Old Point Financial. Equity Bancshares 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
Equity Bancshares	$215.83M	3.28	$62.62M	$3.98	10.14
Old Point Financial	$61.63M	2.47	$9.51M	$1.88	15.97

Does the MarketBeat Community favor EQBK or OPOF?

Old Point Financial received 30 more outperform votes than Equity Bancshares when rated by MarketBeat users. Likewise, 49.57% of users gave Old Point Financial an outperform vote while only 48.45% of users gave Equity Bancshares an outperform vote.

Company	Underperform	Outperform
Equity Bancshares	Outperform Votes 141 48.45%	Underperform Votes 150 51.55%
Old Point Financial	Outperform Votes 171 49.57%	Underperform Votes 174 50.43%

Summary

Equity Bancshares beats Old Point Financial on 14 of the 20 factors compared between the two stocks.