Old Point Financial Corporation (OPOF) — Defensive Interval Ratio
Old Point Financial Corporation (OPOF) has a Defensive Interval Ratio of 23561 days as of June 2025. Defensive assets of $214.38 Million (cash $-, short-term investments $214.38 Million, receivables $-) cover 23561 days of daily cash needs of $9.10K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Old Point Financial Corporation Defensive Interval Ratio (2000–2024)
This chart shows how Old Point Financial Corporation's Defensive Interval Ratio has evolved across 25 annual periods from 2000 to 2024. As of June 2025, the ratio stands at 23561 days, meaning defensive assets of $214.38 Million can fund 23561 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of Old Point Financial Corporation.
Annual Defensive Interval Ratio for Old Point Financial Corporation (2000–2024)
The table below presents the year-by-year Defensive Interval Ratio for Old Point Financial Corporation from 2000 to 2024, covering 25 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See OPOF current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 63 days | $218.79 Million | $3.45 Million/day | $- | $218.79 Million | ▲ +4 days |
| 2023 | 60 days | $202.23 Million | $3.38 Million/day | $- | $202.23 Million | ▼ -10 days |
| 2022 | 70 days | $225.52 Million | $3.24 Million/day | $- | $225.52 Million | ▼ -2 days |
| 2021 | 72 days | $234.32 Million | $3.25 Million/day | $- | $234.32 Million | ▲ +3 days |
| 2020 | 69 days | $186.41 Million | $2.72 Million/day | $- | $186.41 Million | ▲ +10 days |
| 2019 | 59 days | $145.72 Million | $2.48 Million/day | $- | $145.72 Million | ▼ -3 days |
| 2018 | 62 days | $148.25 Million | $2.39 Million/day | $- | $148.25 Million | ▼ -8 days |
| 2017 | 70 days | $157.12 Million | $2.24 Million/day | $- | $157.12 Million | ▼ -20 days |
| 2016 | 90 days | $199.37 Million | $2.22 Million/day | $- | $199.37 Million | ▼ -10 days |
| 2015 | 100 days | $214.19 Million | $2.13 Million/day | $- | $214.19 Million | ▲ +33 days |
| 2014 | 67 days | $139.35 Million | $2.08 Million/day | $- | $139.35 Million | ▼ -8 days |
| 2013 | 75 days | $155.64 Million | $2.08 Million/day | $- | $155.64 Million | ▼ -77 days |
| 2012 | 152 days | $329.46 Million | $2.17 Million/day | $- | $329.46 Million | ▲ +33 days |
| 2011 | 119 days | $236.60 Million | $2.00 Million/day | $- | $236.60 Million | ▲ +112 days |
| 2010 | 6 days | $12.83 Million | $2.11 Million/day | $- | $12.83 Million | ▼ -10 days |
| 2009 | 16 days | $34.41 Million | $2.12 Million/day | $- | $34.41 Million | ▲ +16 days |
| 2008 | 0 days | $100.00K | $1.87 Million/day | $- | $100.00K | ▼ -1 days |
| 2007 | 1 days | $1.10 Million | $1.81 Million/day | $- | $1.10 Million | ▼ -104 days |
| 2006 | 105 days | $184.81 Million | $1.77 Million/day | $- | $184.81 Million | ▼ -15 days |
| 2005 | 120 days | $192.94 Million | $1.61 Million/day | $- | $192.94 Million | ▼ -11 days |
| 2004 | 131 days | $201.38 Million | $1.54 Million/day | $- | $201.38 Million | ▲ +121 days |
| 2003 | 10 days | $14.97 Million | $1.45 Million/day | $- | $14.97 Million | ▲ +4 days |
| 2002 | 6 days | $8.71 Million | $1.41 Million/day | $- | $8.71 Million | ▲ +2 days |
| 2001 | 4 days | $5.02 Million | $1.28 Million/day | $- | $5.02 Million | ▼ -1 days |
| 2000 | 5 days | $5.40 Million | $1.18 Million/day | $- | $5.40 Million | — |