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Old Point Financial Corporation operates as the holding company for The Old Point National Bank of Phoebus, which provides consumer, mortgage, and business banking services to individual and business customers. It accepts various deposit products, including checking accounts, demand deposits, savings deposits, time deposits, interest-bearing transaction accounts, and money market deposit accounts. The company also provides commercial loans, real estate construction and mortgage loans, tax-exempt loans, consumer loans, and installment loans, as well as cash management services. In addition, Old Point Financial Corporation, through its trust subsidiary, Old Point Trust and Financial Services, N.A., offers wealth management services, including retirement planning, estate planning, financial planning, trust accounts, tax services, and investment management services for individuals and businesses. As of March 31, 2008, it had 20 branch offices serving the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. The company was founded in 1922 and is headquartered in Hampton, Virginia.

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Key Statistics

Closing Price	11.07
Volume	5132
Volume Avg	2603
52 Week High	12.10
52 Week Low	9.00
PE	16.67
PE (group average)	27
EPS Year	0.66
EPS change Q/Q	-1000%
EPS change Q/Q Yr ago	-1000%
EPS change Q/Q next Q est	-58.82%
EPS change Y/Y	100%
REV change Q/Q	-5.43%
REV change Q/Q Yr ago	-10.95%
EPS next Q est	0.17
EPS next Y est	0.00
Divident Annual	0.20
Dividend Yield	1.81%