Analyzing Burke & Herbert Financial Services (NASDAQ:BHRB) & Old Point Financial (NASDAQ:OPOF)

Old Point Financial (NASDAQ:OPOF) and Burke & Herbert Financial Services (NASDAQ:BHRB) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, valuation, risk, earnings and profitability.

Earnings & Valuation

This table compares Old Point Financial and Burke & Herbert Financial Services’ top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$80.50 million	0.95	$7.73 million	$1.26	11.91
Burke & Herbert Financial Services	$164.85 million	4.35	$22.69 million	N/A	N/A

Burke & Herbert Financial Services has higher revenue and earnings than Old Point Financial.

Analyst Ratings

This is a summary of current ratings and recommmendations for Old Point Financial and Burke & Herbert Financial Services, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	N/A
Burke & Herbert Financial Services	0	0	0	0	N/A

Institutional & Insider Ownership

33.4% of Old Point Financial shares are owned by institutional investors. 21.1% of Old Point Financial shares are owned by insiders. Comparatively, 9.7% of Burke & Herbert Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Old Point Financial and Burke & Herbert Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	7.71%	6.11%	0.44%
Burke & Herbert Financial Services	12.04%	6.82%	0.56%

Summary

Burke & Herbert Financial Services beats Old Point Financial on 6 of the 8 factors compared between the two stocks.

About Old Point Financial

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans. In addition, it offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products, wealth management, and cash management services. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.

About Burke & Herbert Financial Services

Burke & Herbert Financial Services Corp. operates as the bank holding company for Burke & Herbert Bank & Trust Company that provides various community banking products and services in Virginia and Maryland. It offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides loans, such as commercial real estate, single family residential, owner-occupied commercial real estate, residential mortgage, acquisition, construction and development, commercial and industrial, and consumer non-real estate and other loans. In addition, it offers treasury and cash management services; and online and mobile banking, and wealth and trust services. The company was founded in 1852 and is headquartered in Alexandria, Virginia.