OPOF vs RICK

Comparison between Old Point Financial Corp (OPOF, Company) and RCI Hospitality Holdings Inc (RICK, Company).

OPOF is from the Financial Services sector, while RICK is from the Consumer Cyclical sector.

5-Year PerformanceOPOF has outperformed RICK, delivering a return of +24.8% compared to -14.5%

OPOF vs RICK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPOF(COMPANY)	RICK(COMPANY)
Market Cap	$215M	$214M
Max Drawdown	70.83%	91.60%
Sharpe Ratio	2.52	-0.33
5Y Beta	N/A	1.11
Industry	Banks - Regional	Restaurants
P/E Ratio	24.69	-12.03
Forward P/E	N/A	6.82
PEG Ratio	1.16	N/A
Dividend Yield	N/A	1.11%
5Y Dividends CAGR	3.13%	14.26%
5Y EPS CAGR	2.23%	N/A
Debt to Equity	56.01%	102.27%
Free Cash Flow Yield	5.84%	19.92%
P/S Ratio	2.51	N/A
P/B Ratio	1.82	N/A

Market Cap

Winner

OPOF

$215M

RICK

$214M

Max Drawdown

Winner

OPOF

70.83%

RICK

91.60%

Sharpe Ratio

Winner

OPOF

2.52

RICK

-0.33

5Y Beta

OPOF

N/A

RICK

1.11

Industry

OPOF

Banks - Regional

RICK

Restaurants

P/E Ratio

OPOF

24.69

Winner

RICK

-12.03

Forward P/E

OPOF

N/A

RICK

6.82

PEG Ratio

OPOF

1.16

RICK

N/A

Dividend Yield

OPOF

N/A

RICK

1.11%

5Y Dividends CAGR

OPOF

3.13%

Winner

RICK

14.26%

5Y EPS CAGR

OPOF

2.23%

RICK

N/A

Debt to Equity

Winner

OPOF

56.01%

RICK

102.27%

Free Cash Flow Yield

OPOF

5.84%

Winner

RICK

19.92%

P/S Ratio

OPOF

2.51

RICK

N/A

P/B Ratio

OPOF

1.82

RICK

N/A

OPOF vs RICK - Historical Returns

Returns include dividend reinvestment.

Period	OPOF	RICK
1 month	+5.59%	+13.47%
3 months	+7.29%	+23.75%
6 months	+38.30%	+33.11%
1 year	+128.76%	-20.10%
5 years(CAGR)	+24.78%	-14.45%
10 years(CAGR)	+13.00%	+11.06%
Max(CAGR)	+6.86%	+10.43%

OPOF

+5.59%

Winner

RICK

+13.47%

OPOF

+7.29%

Winner

RICK

+23.75%

Winner

OPOF

+38.30%

RICK

+33.11%

Winner

OPOF

+128.76%

RICK

-20.10%

5Y(CAGR)

Winner

OPOF

+24.78%

RICK

-14.45%

10Y(CAGR)

Winner

OPOF

+13.00%

RICK

+11.06%

Max(CAGR)

OPOF

+6.86%

Winner

RICK

+10.43%

OPOF vs RICK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	OPOF	RICK
2026	N/A	+29.19%
2025	+63.94%	-57.95%
2024	+45.44%	-10.56%
2023	-30.01%	-26.45%
2022	+18.08%	+16.69%
2021	+27.76%	+110.98%
2020	-29.19%	+94.52%
2019	+26.93%	-5.55%
2018	-25.33%	-21.01%
2017	+18.64%	+65.57%
2016	+37.87%	+78.21%
2015	+15.49%	+0.30%
2014	+19.03%	-13.25%
2013	+17.08%	+42.61%
2012	+12.68%	-3.02%
2011	-15.61%	+6.28%
2010	-24.59%	-14.43%
2009	-10.51%	+77.23%
2008	+0.81%	-84.82%
2007	-7.69%	+315.43%
2006	+0.37%	+80.53%
2005	-12.52%	+30.70%
2004	+21.63%	+66.09%
2003	+19.61%	-28.33%
2002	+33.84%	-28.82%
2001	+75.24%	+151.03%
2000	-10.73%	-59.09%
1999	-22.77%	+30.58%

OPOF vs RICK Drawdown Comparison

The maximum drawdown for OPOF was -63.92%, occurring on Mar 18, 2020. Recovery took 1916 trading sessions.

The maximum drawdown for RICK was -91.60%, occurring on Mar 9, 2009. Recovery took 2489 trading sessions.

The current RICK drawdown is -68.24%.

Rank	OPOF	RICK
#1	-63.92% Jul 3, 2017 - Feb 14, 2025	-91.60% Dec 26, 2007 - Nov 13, 2017
#2	-63.90% May 12, 2003 - Dec 2, 2016	-83.33% Mar 8, 2000 - Mar 23, 2006
#3	-38.61% Nov 1, 1999 - Jul 24, 2001	-78.71% Jul 26, 2018 - Dec 17, 2020
#4	-12.50% Sep 6, 2001 - Oct 2, 2001	-78.08% Jan 11, 2023 - Mar 18, 2026
#5	-9.06% Feb 21, 2003 - Mar 17, 2003	-47.54% Jan 6, 2022 - Dec 15, 2022
#6	-9.04% Jul 3, 2002 - Oct 16, 2002	-40.65% Oct 20, 2006 - Feb 1, 2007
#7	-8.50% May 16, 2017 - Jun 28, 2017	-29.83% Nov 18, 1999 - Feb 25, 2000
#8	-7.74% Oct 2, 2001 - Dec 12, 2001	-28.53% Feb 23, 2007 - Sep 7, 2007
#9	-7.41% Jan 2, 2003 - Jan 30, 2003	-27.09% Jun 1, 2021 - Jan 3, 2022
#10	-7.07% Nov 29, 2002 - Dec 31, 2002	-24.32% May 4, 2006 - Jul 28, 2006
#11	-6.60% May 13, 2002 - Jul 3, 2002	-19.24% Nov 2, 2007 - Dec 3, 2007
#12	-6.55% Dec 28, 2001 - Mar 26, 2002	-18.12% Mar 12, 2021 - Apr 29, 2021
#13	-6.36% Dec 7, 2016 - Dec 14, 2016	-17.90% Nov 30, 2017 - Jul 25, 2018
#14	-5.94% Mar 18, 2003 - Mar 25, 2003	-17.49% Jul 28, 2006 - Sep 29, 2006
#15	-5.79% Mar 28, 2003 - May 8, 2003	-16.13% Feb 25, 2000 - Mar 2, 2000

Correlation

Correlation between OPOF and RICK is 0.58 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.58

-101

Dividend Comparison (2000 - 2026)

OPOF vs RICK dividend yield comparison.

Year	OPOF	RICK
2026	0.00%	0.53%
2025	0.67%	1.17%
2024	2.15%	0.45%
2023	3.12%	0.36%
2022	1.93%	0.21%
2021	2.14%	0.21%
2020	2.53%	0.38%
2019	1.75%	0.63%
2018	2.02%	0.54%
2017	1.48%	0.43%
2016	1.60%	0.70%
2015	1.98%	0.00%
2014	1.73%	0.00%
2013	1.72%	0.00%
2012	1.81%	0.00%
2011	1.98%	0.00%
2010	2.07%	0.00%
2009	3.02%	0.00%
2008	3.45%	0.00%
2007	2.99%	0.00%
2006	2.46%	0.00%
2005	2.24%	0.00%
2004	1.78%	0.00%
2003	1.70%	0.00%
2002	1.85%	0.00%
2001	2.14%	0.00%
2000	2.59%	0.00%