OPOF_OUT_1 [2025-04-03 08:32:32 -0400] 2018 Bytes | 566 tokens | Cum: 566 tkns (7.07% of 8k)
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We need a winner today and it's already 8:32:31 AM on Thu Apr 03, 2025 -0400 ... So let's find out if Old Point Financial (OPOF) is going up or if it's going nowhere fast. So, I pulled together a bunch of data for you to look over real fast. It's at 37.96 up from 29.91. Is there something here we can get excited about? Help me analyze.

--- COMPANY PROFILE ---
Company: Old Point Financial (OPOF)
IPO: IPO date unknown
Shares Outstanding: 5,080,000
Industry: NATIONAL COMMERCIAL BANKS
Exchange: XNAS

Here's the first list of news for Old Point Financial:

C1 - Today 07:00AM - TowneBank and Old Point Financial Corporation Announce Agreement to Merge
C2 - Feb-19-25 04:30PM - Old Point Financial Corporation Announces Quarterly Dividend
C3 - Jan-30-25 04:40PM - Old Point Financial: Q4 Earnings Snapshot
C4 - Jan-30-25 04:40PM 04:15PM - Old Point Releases Fourth Quarter and Full Year 2024 Results
C5 - Nov-20-24 04:15PM - Old Point Financial Corporation Announces Quarterly Dividend
C6 - Nov-08-24 04:22PM - OLD POINT ANNOUNCES APPOINTMENT OF CATHY W. LILES AS CHIEF FINANCIAL OFFICER
C7 - Oct-24-24 04:32PM - Old Point Financial: Q3 Earnings Snapshot
C8 - Oct-24-24 04:32PM 04:15PM - Old Point Releases Third Quarter 2024 Results

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on Old Point Financial (OPOF)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

OPOF_OUT_3 [2025-04-03 08:32:36 -0400] 1111 Bytes | 290 tokens | Cum: 858 tkns (10.72% of 8k)
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Showing C1 (chunk 1 of 22): C1:
**TowneBank and Old Point Financial Corporation Announce Agreement to Merge**
Date: Today 07:00AM
Source: (GlobeNewswire)
URL: https://finance.yahoo.com/news/townebank-old-point-financial-corporation-110000382.html

SUFFOLK, Va. and HAMPTON, Va., April 03, 2025 (GLOBE NEWSWIRE) -- Hampton Roads based TowneBank (NASDAQ: TOWN) and Old Point Financial Corporation (NASDAQCM: OPOF) (“Old Point”), the parent company of The Old Point National Bank of Phoebus (“OPNB”), today announced the signing of a definitive agreement and plan of merger pursuant to which TowneBank will acquire Old Point and OPNB. The proposed transaction will enhance TowneBank’s position in the Hampton Roads MSA with the addition of a high-quality core deposit franchise.

Pro forma for TowneBank’s recently closed acquisition of Village Bank and Trust Financial Corp. and the proposed acquisition of Old Point, the combined

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

OPOF_OUT_5 [2025-04-03 08:32:37 -0400] 958 Bytes | 266 tokens | Cum: 1222 tkns (15.28% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-04-03T11:00:00Z - TowneBank and Old Point Financial Corporation Announce Agreement to Merge...
A2 - 2025-04-03T11:25:24Z - TowneBank and Old Point Financial Corporation Announce Agreement to Merge...
A3 - 2025-04-03T11:01:27Z - TowneBank and Old Point Financial Corporation Announce Agreement to Merge...
A4 - 2025-04-03T11:18:44Z - TowneBank and Old Point Financial Corporation Announce Agreement to Merge | Taiwan News | Apr. 3, 20...
A5 - 2025-04-03T11:00:00Z - TowneBank and Old Point Financial Corporation Announce Agreement to Merge - Towne Bank (NASDAQ:TOWN)...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

OPOF_OUT_7 [2025-04-03 08:32:41 -0400] 1099 Bytes | 302 tokens | Cum: 1526 tkns (19.07% of 8k)
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Showing A1 (chunk 1 of 22): A1:
**TowneBank and Old Point Financial Corporation Announce Agreement to Merge**Date: 2025-04-03Source: {'uri': 'forextv.com', 'dataType': 'news', 'title': 'ForexTV'}URL: https://forextv.com/townebank-and-old-point-financial-corporation-announce-agreement-to-merge/SUFFOLK, Va. and HAMPTON, Va., April 03, 2025 (GLOBE NEWSWIRE) -- Hampton Roads based TowneBank (NASDAQ: TOWN) and Old Point Financial Corporation (NASDAQCM: OPOF) ("Old Point"), the parent company of The Old Point National Bank of Phoebus ("OPNB"), today announced the signing of a definitive agreement and plan of merger pursuant to which TowneBank will acquire Old Point and OPNB. The proposed transaction will enhance TowneBank's position in the Hampton Roads MSA with the addition of a high-quality core deposit franchise.

Pro forma for TowneBank's recently closed acquisition of Village Bank and Trust Financial Corp. and the p

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

OPOF_OUT_9 [2025-04-03 08:32:41 -0400] 526 Bytes | 162 tokens | Cum: 1772 tkns (22.15% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2025-02-19T21:30:00Z - Old Point Financial Corporation Announces Quarterly Dividend
B2 - 2022-09-17T13:25:00Z - What Happened This Week: FedEx, The ‘Merge’ And Some Mighty Big Losers
B3 - 2022-05-25T13:03:07Z - Insiders Buy More Than $13M Of 3 Stocks

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

OPOF_OUT_11 [2025-04-03 08:32:44 -0400] 448 Bytes | 141 tokens | Cum: 1915 tkns (23.94% of 8k)
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Showing B2 (chunk 1 of 1): B2:
**What Happened This Week: FedEx, The ‘Merge’ And Some Mighty Big Losers**Date: Unknown DateSource: Unknown SourceURL: https://www.investing.com/analysis/what-happened-this-week-fedex-the-merge-and-some-mighty-big-losers-200629949No Content

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

OPOF_OUT_13 [2025-04-03 08:32:45 -0400] 812 Bytes | 212 tokens | Cum: 2189 tkns (27.36% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-04-03 8-K Item 9.01 Fin Stmnts and Exhibits.

(d) Exhibits.

Exhibit 99.1 Joint Press Release, dated April 3, 2025. Exhibit 99.2 Investor Presentation of TowneBank, dated April 3, 2025. Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

Cau...

S2 - 2025-03-31 10-K Item 7. Mgts Discussion and Analysis of Fin Cond and Results of Oper

##TABLE_END

The following discussion is intended to assist readers in understanding and evaluating the financial condition, changes in financial condition and the results of operation...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

OPOF_OUT_15 [2025-04-03 08:32:53 -0400] 1098 Bytes | 263 tokens | Cum: 2454 tkns (30.68% of 8k)
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Showing S1 (chunk 1 of 6): S1:
Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit 99.1 Joint Press Release, dated April 3, 2025. Exhibit 99.2 Investor Presentation of TowneBank, dated April 3, 2025. Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

Cautionary Note Regarding Forward-Looking Statements

This communication contains certain forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical facts, but instead represent only the beliefs, expectations, or opinions of TowneBank and Old Point and their respective management teams regarding future events, many of which, by their nature, are inherently uncertain and beyond the control of TowneBank and Old Point. Forward-looking statements may be identified by the use of such words as: believe, expect, anticipate, intend, plan,

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

OPOF_OUT_17 [2025-04-03 08:32:58 -0400] 1098 Bytes | 232 tokens | Cum: 2861 tkns (35.76% of 8k)
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Showing S1 (chunk 2 of 6): estimate, or words of similar meaning, or future or conditional terms, such as will, would, should, could, may, likely, probably, or possibly. These statements may address issues that involve significant risks, uncertainties, estimates, and assumptions made by management, including statements about (i) the benefits of the transaction, including future financial and operating results, cost savings, enhancement to revenue and accretion to reported earnings that may be realized from the transaction and (ii) TowneBanks and Old Points plans, objectives, expectations and intentions and other statements contained in this communication that are not historical facts. In addition, these forward-looking statements are subject to various risks, uncertainties, estimates and assumptions with respect to future business strategies and decisions that are subject to change and difficult to predict with r

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

OPOF_OUT_19 [2025-04-03 08:33:08 -0400] 6112 Bytes | 1823 tokens | Cum: 4784 tkns (59.80% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+-------------------+----------------------+------------------------+-----------------------+
| Volume: 8,060 | Perf Month: -2.03% | Option/Short: No / Yes | Sales Y/Y TTM: 6.90% |
+-------------------+----------------------+------------------------+-----------------------+
| Avg Volume: 7.31K | Perf Quarter: 16.43% | Short Float: 0.20% | ROE: 8.61% |
+-------------------+----------------------+------------------------+-----------------------+
| Rel Volume: 1.11 | Index: - | Short Ratio: 1.23 | ROI: 6.59% |
+-------------------+----------------------+------------------------+-----------------------+
| RSI (14): 60.14 | Market Cap: 152.67M | Short Interest: 0.01M | Sales Surprise: 0.30% |
+-------------------+----------------------+------------------------+-----------------------+
| ATR (14): 0.35 | Shs Outstand: 5.01M | Beta: -0.28 | EPS Surprise: 3.13% |
+-------------------+----------------------+------------------------+-----------------------+
| SMA20: -0.49% | Shs Float: 4.39M | Sales Q/Q: 1.03% | P/E: 15.94 |
+-------------------+----------------------+------------------------+-----------------------+
| SMA50: 5.62% | Inst Own: 32.49% | Sales past 5Y: 10.20% | Earnings: - |
+-------------------+----------------------+------------------------+-----------------------+
| SMA200: 37.93% | Insider Own: 14.02% | Employees: 260 | |
+-------------------+----------------------+------------------------+-----------------------+
| Perf Week: 0.03% | Insider Trans: 0.00% | Debt/Eq: 0.65 | |
+-------------------+----------------------+------------------------+-----------------------+

The next section covers any insider trading.
If this section may be blank due to no recent filings.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by ADAMS STEPHEN CONWAY (Unknown Title) on 2025-02-06
- Common Stock: 19.9565 shares at $29.89 (D)
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by GLASSER MICHAEL A (Unknown Title) on 2025-02-06
- Common Stock: 15.8186 shares at $24.92 (D)
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by Castleberry Sarah B (Unknown Title) on 2025-02-06
- Common Stock: 55.8668 shares at $24.92 (D)
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by Wash Elizabeth S (Unknown Title) on 2025-03-03
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by THACKER CLARK REBEKAH ELLEN (Unknown Title) on 2025-03-03
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by ISHON JOHN CABOT (Unknown Title) on 2025-03-03
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by LANGLEY TOM B (Unknown Title) on 2025-02-06
- Common Stock: 55.8668 shares at $24.92 (D)
- Common Stock: 600 shares at $0 (D) Footnote: Award of time-based restricted stock subject to one year vesting period.

Inside Trans: OLD POINT FINANCIAL CORP (OPOF) by SHUFORD ROBERT F JR (President/CEO) on 2025-03-03
- Common Stock: 2444 shares at $0 (D) Footnote: Award of time-based restricted stock subject to a vesting schedule.

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 85616000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': 8111000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 29.91
Average Volume: 10681.82
30-Day High: 30.68
30-Day Low: 29.9

[Detailed Financials: Q3 2024]
- Total Assets: $1,478,009,000.0
- Total Liabilities: $1,362,552,000.0
- Total Equity: $115,457,000.0
- Current Assets: $1,478,009,000.0
- Current Liabilities: $1,362,552,000.0

[Income Statement: Q3 2024]
- Revenue: $21,992,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): 0.47

[Cash Flow Statement: Q3 2024]
- Net Cash Flow: $84,110,000.0

[Detailed Financials: Q2 2024]
- Total Assets: $1,423,354,000.0
- Total Liabilities: $1,313,358,000.0
- Total Equity: $109,996,000.0
- Current Assets: $1,423,354,000.0
- Current Liabilities: $-109,996,000.0

[Income Statement: Q2 2024]
- Revenue: $21,589,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): 0.5

[Cash Flow Statement: Q2 2024]
- Net Cash Flow: $-2,613,000.0
==== END OF FINANCIAL REPORT ====

You are now requested to make a summary analysis.
Save explaining why you didn't have enough information for the final survey.

Now, complete this report with the following:

1) Brief Summary: explain your findings in succinct wording.
2) MARKET_SCORE: If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
3) PRICE_TARGET: If you think the high today will be 50% higher, add to the price.
Eg., If the current price is $5.00, add 50%. Thus, PRICE_TARGET[$7.50] -- It should be at or above the current price.
4) Provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-12 words headline for news story, distilled from summary]

1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

OPOF_OUT_21 [2025-04-03 08:33:12 -0400] 676 Bytes | 167 tokens | Cum: 5184 tkns (64.80% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings (10-K, 10-Q, 8-K) Financials, risk disclosures, and business changes
-> X3 <- More SEC Insider Trading (Form 3, 4, 5) Direct buys/sells from executives and institutions
-> X4 <- Broader sector & market news
-> X5 <- Your past analysis on similar companies (specify metrics)
-> X6 <- More financial metrics
-> X7 <- Your past analysis on this exact company
-> X8 <- Something altogether different (explain...)

OPOF_IN_23 [2025-04-03 08:33:12 -0400] 126 Bytes | 29 tokens | Cum: 5296 tkns (66.20% of 8k)
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====================================
[2025-04-03 08:33:12] # Analysis Completed
Elapsed Time: 41.58 seconds