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 superior stock? We will compare the two businesses based on the strength of their profitability, community ranking, risk, institutional ownership, valuation, media sentiment, earnings, analyst recommendations and dividends.

Does the MarketBeat Community prefer OPOF or UNTY?

Old Point Financial received 3 more outperform votes than Unity Bancorp when rated by MarketBeat users. However, 64.23% of users gave Unity Bancorp an outperform vote while only 51.05% of users gave Old Point Financial an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 170 51.05%	Underperform Votes 163 48.95%
Unity Bancorp	Outperform Votes 167 64.23%	Underperform Votes 93 35.77%

Do insiders & institutionals believe in OPOF or UNTY?

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

Is OPOF or UNTY more profitable?

Unity Bancorp has a net margin of 24.46% compared to Old Point Financial's net margin of 9.47%. Unity Bancorp's return on equity of 14.63% 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%
Unity Bancorp	24.46%	14.63%	1.53%

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 2.3%. Unity Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.2%. Old Point Financial pays out 35.0% of its earnings in the form of a dividend. Unity Bancorp pays out 13.4% 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. Unity Bancorp has raised its dividend for 11 consecutive years.

Which has stronger valuation & earnings, 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	$61.47M	2.06	$7.73M	$1.60	15.55
Unity Bancorp	$103.92M	4.22	$39.71M	$3.89	11.29

Does the media refer more to OPOF or UNTY?

In the previous week, Unity Bancorp had 3 more articles in the media than Old Point Financial. MarketBeat recorded 5 mentions for Unity Bancorp and 2 mentions for Old Point Financial. Unity Bancorp's average media sentiment score of 0.93 beat Old Point Financial's score of 0.35 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)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Unity Bancorp	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, OPOF or UNTY?

Old Point Financial has a beta of 0.29, meaning that its stock price is 71% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 1.03, meaning that its stock price is 3% more volatile than the S&P 500.

Do analysts prefer OPOF or UNTY?

Unity Bancorp has a consensus price target of $47.50, suggesting a potential upside of 8.15%. Given Unity Bancorp's stronger consensus rating and higher probable 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

Summary

Unity Bancorp beats Old Point Financial on 18 of the 21 factors compared between the two stocks.