Old Point Financial Corporation (OPOF) — Cash Flow Quality Index
Old Point Financial Corporation (OPOF) has a Cash Flow Quality Index of 1.34x as of June 2025. Operating cash flow of $1.66 Million exceeds net income of $1.24 Million, indicating high earnings quality where cash backs reported profits. Explore cash flow to debt ratio of Old Point Financial Corporation to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Old Point Financial Corporation Cash Flow Quality Index (1992–2024)
Historical Cash Flow Quality Index for Old Point Financial Corporation across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Old Point Financial Corporation (OPOF) cash flow conversion.
Annual Cash Flow Quality Index for Old Point Financial Corporation (1992–2024)
Year-by-year earnings quality comparison for Old Point Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.54x | $14.64 Million | $9.51 Million | ▲ +8.3% |
| 2023 | 1.42x | $11.00 Million | $7.73 Million | ▼ -26.2% |
| 2022 | 1.93x | $17.57 Million | $9.11 Million | ▼ -29.8% |
| 2021 | 2.75x | $23.18 Million | $8.44 Million | ▲ +271.4% |
| 2020 | -1.60x | $-8.63 Million | $5.39 Million | ▼ -201.8% |
| 2019 | 1.57x | $12.37 Million | $7.86 Million | ▼ -36.3% |
| 2018 | 2.47x | $12.15 Million | $4.92 Million | ▲ +8.4% |
| 2016 | 2.28x | $8.65 Million | $3.80 Million | ▲ +5.7% |
| 2015 | 2.16x | $7.83 Million | $3.63 Million | ▼ -11.6% |
| 2014 | 2.44x | $10.04 Million | $4.12 Million | ▼ -9.5% |
| 2013 | 2.69x | $8.52 Million | $3.16 Million | ▲ +15.3% |
| 2012 | 2.33x | $9.78 Million | $4.19 Million | ▼ -18.2% |
| 2011 | 2.85x | $9.39 Million | $3.29 Million | ▲ +55.9% |
| 2010 | 1.83x | $2.83 Million | $1.55 Million | ▲ +205.4% |
| 2009 | -1.74x | $-2.92 Million | $1.68 Million | ▼ -248.4% |
| 2008 | 1.17x | $7.95 Million | $6.79 Million | ▲ +15.1% |
| 2007 | 1.02x | $8.11 Million | $7.97 Million | ▼ -21.1% |
| 2006 | 1.29x | $9.05 Million | $7.02 Million | ▲ +2.1% |
| 2005 | 1.26x | $9.18 Million | $7.27 Million | ▲ +17.2% |
| 2004 | 1.08x | $9.24 Million | $8.58 Million | ▲ +7.0% |
| 2003 | 1.01x | $7.88 Million | $7.83 Million | ▲ +68.7% |
| 2002 | 0.60x | $4.21 Million | $7.05 Million | ▼ -58.6% |
| 2001 | 1.44x | $8.22 Million | $5.71 Million | ▲ +18.5% |
| 2000 | 1.22x | $6.24 Million | $5.13 Million | ▼ -16.4% |
| 1999 | 1.45x | $7.01 Million | $4.82 Million | ▲ +24.1% |
| 1998 | 1.17x | $5.43 Million | $4.64 Million | ▼ -12.3% |
| 1997 | 1.34x | $5.46 Million | $4.09 Million | ▼ -24.7% |
| 1996 | 1.77x | $6.11 Million | $3.44 Million | ▼ -5.4% |
| 1995 | 1.87x | $4.39 Million | $2.34 Million | ▲ +18.0% |
| 1994 | 1.59x | $4.40 Million | $2.77 Million | ▲ +22.2% |
| 1993 | 1.30x | $2.88 Million | $2.21 Million | ▲ +29.5% |
| 1992 | 1.00x | $1.74 Million | $1.74 Million | — |