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OPOF vs SPY

Comparison between Old Point Financial Corp (OPOF, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceOPOF has outperformed SPY, delivering a return of +24.8% compared to +14.0%

OPOF vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
OPOF
$215M
Winner
SPY
$784B
Expense Ratio
OPOF
N/A
SPY
0.09%
Max Drawdown
OPOF
70.83%
Winner
SPY
56.47%
Sharpe Ratio
Winner
OPOF
2.52
SPY
1.68
5Y Beta
OPOF
N/A
SPY
1.00
Industry
OPOF
Banks - Regional
SPY
N/A
P/E Ratio
Winner
OPOF
24.69
SPY
28.06
Forward P/E
OPOF
N/A
SPY
21.47
PEG Ratio
OPOF
1.16
Winner
SPY
0.36
5Y Dividends CAGR
OPOF
3.13%
Winner
SPY
6.00%
5Y EPS CAGR
OPOF
2.23%
Winner
SPY
25.05%
Debt to Equity
OPOF
56.01%
Winner
SPY
30.60%
Free Cash Flow Yield
OPOF
5.84%
SPY
N/A
P/S Ratio
OPOF
2.51
SPY
N/A
P/B Ratio
OPOF
1.82
SPY
N/A

OPOF vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
OPOF
+5.59%
SPY
+1.35%
3M
OPOF
+7.29%
Winner
SPY
+13.50%
6M
Winner
OPOF
+38.30%
SPY
+11.30%
1Y
Winner
OPOF
+128.76%
SPY
+26.75%
5Y(CAGR)
Winner
OPOF
+24.78%
SPY
+14.01%
10Y(CAGR)
OPOF
+13.00%
Winner
SPY
+15.56%
Max(CAGR)
OPOF
+6.86%
Winner
SPY
+8.52%

OPOF vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearOPOFSPY
2026N/A+9.89%
2025+63.94%+18.00%
2024+45.44%+25.59%
2023-30.01%+26.72%
2022+18.08%-18.64%
2021+27.76%+30.52%
2020-29.19%+17.28%
2019+26.93%+31.09%
2018-25.33%-5.24%
2017+18.64%+20.78%
2016+37.87%+13.59%
2015+15.49%+1.31%
2014+19.03%+14.56%
2013+17.08%+29.00%
2012+12.68%+14.17%
2011-15.61%+0.85%
2010-24.59%+13.14%
2009-10.51%+22.67%
2008+0.81%-36.25%
2007-7.69%+5.32%
2006+0.37%+13.85%
2005-12.52%+5.32%
2004+21.63%+10.75%
2003+19.61%+24.18%
2002+33.84%-22.42%
2001+75.24%-10.13%
2000-10.73%-8.84%
1999-22.77%+8.61%

OPOF vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SPY drawdown is -1.44%.

RankOPOFSPY
#1-63.92%
Jul 3, 2017 - Feb 14, 2025		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-63.90%
May 12, 2003 - Dec 2, 2016		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-38.61%
Nov 1, 1999 - Jul 24, 2001		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-12.50%
Sep 6, 2001 - Oct 2, 2001		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-9.06%
Feb 21, 2003 - Mar 17, 2003		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-9.04%
Jul 3, 2002 - Oct 16, 2002		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-8.50%
May 16, 2017 - Jun 28, 2017		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-7.74%
Oct 2, 2001 - Dec 12, 2001		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-7.41%
Jan 2, 2003 - Jan 30, 2003		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-7.07%
Nov 29, 2002 - Dec 31, 2002		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-6.60%
May 13, 2002 - Jul 3, 2002		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-6.55%
Dec 28, 2001 - Mar 26, 2002		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-6.36%
Dec 7, 2016 - Dec 14, 2016		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-5.94%
Mar 18, 2003 - Mar 25, 2003		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-5.79%
Mar 28, 2003 - May 8, 2003		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between OPOF and SPY is 0.71 which considered as a strong positive correlation - the stocks tend to move together.

0.71
-101

Dividend Comparison (1999 - 2026)

OPOF vs SPY dividend yield comparison.

YearOPOFSPY
20260.00%0.50%
20250.67%1.07%
20242.15%1.21%
20233.12%1.40%
20221.93%1.65%
20212.14%1.20%
20202.53%1.52%
20191.75%1.75%
20182.02%2.04%
20171.48%1.80%
20161.60%2.03%
20151.98%2.06%
20141.73%1.87%
20131.72%1.81%
20121.81%2.18%
20111.98%2.05%
20102.07%1.80%
20093.02%1.95%
20083.45%3.02%
20072.99%1.85%
20062.46%1.73%
20052.24%1.73%
20041.78%1.82%
20031.70%1.47%
20021.85%1.70%
20012.14%1.25%
20002.59%1.15%
19990.00%0.24%

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