INBK
Price
$22.88
Change
-$0.51 (-2.18%)
Updated
Aug 15 closing price
Capitalization
199.36M
67 days until earnings call
OPOF
Price
$41.40
Change
-$0.49 (-1.17%)
Updated
Aug 15 closing price
Capitalization
211.26M
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INBK vs OPOF

Header iconINBK vs OPOF Comparison
Open Charts INBK vs OPOFBanner chart's image
First Internet Ban
Price$22.88
Change-$0.51 (-2.18%)
Volume$82.95K
Capitalization199.36M
Old Point Financial
Price$41.40
Change-$0.49 (-1.17%)
Volume$28.33K
Capitalization211.26M
INBK vs OPOF Comparison Chart in %
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INBK
Daily Signalchanged days ago
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OPOF
Daily Signalchanged days ago
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INBK vs. OPOF commentary
Aug 16, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is INBK is a Hold and OPOF is a Hold.

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COMPARISON
Comparison
Aug 16, 2025
Stock price -- (INBK: $22.88 vs. OPOF: $41.40)
Brand notoriety: INBK and OPOF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: INBK: 149% vs. OPOF: 81%
Market capitalization -- INBK: $199.36M vs. OPOF: $211.26M
INBK [@Regional Banks] is valued at $199.36M. OPOF’s [@Regional Banks] market capitalization is $211.26M. The market cap for tickers in the [@Regional Banks] industry ranges from $174.7B to $0. The average market capitalization across the [@Regional Banks] industry is $7.97B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

INBK’s FA Score shows that 0 FA rating(s) are green whileOPOF’s FA Score has 2 green FA rating(s).

  • INBK’s FA Score: 0 green, 5 red.
  • OPOF’s FA Score: 2 green, 3 red.
According to our system of comparison, OPOF is a better buy in the long-term than INBK.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

INBK’s TA Score shows that 4 TA indicator(s) are bullish while OPOF’s TA Score has 5 bullish TA indicator(s).

  • INBK’s TA Score: 4 bullish, 6 bearish.
  • OPOF’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, OPOF is a better buy in the short-term than INBK.

Price Growth

INBK (@Regional Banks) experienced а +4.38% price change this week, while OPOF (@Regional Banks) price change was +2.86% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.72%. For the same industry, the average monthly price growth was +2.56%, and the average quarterly price growth was +8.87%.

Reported Earning Dates

INBK is expected to report earnings on Oct 22, 2025.

Industries' Descriptions

@Regional Banks (+1.72% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
OPOF($211M) has a higher market cap than INBK($199M). OPOF has higher P/E ratio than INBK: OPOF (24.21) vs INBK (13.00). OPOF YTD gains are higher at: 60.170 vs. INBK (-36.139). OPOF has more cash in the bank: 15.6M vs. INBK (6.34M). OPOF has less debt than INBK: OPOF (68.1M) vs INBK (500M). INBK has higher revenues than OPOF: INBK (135M) vs OPOF (62.7M).
INBKOPOFINBK / OPOF
Capitalization199M211M94%
EBITDAN/AN/A-
Gain YTD-36.13960.170-60%
P/E Ratio13.0024.2154%
Revenue135M62.7M215%
Total Cash6.34M15.6M41%
Total Debt500M68.1M734%
FUNDAMENTALS RATINGS
INBK vs OPOF: Fundamental Ratings
INBK
OPOF
OUTLOOK RATING
1..100
114
VALUATION
overvalued / fair valued / undervalued
1..100
49
Fair valued
100
Overvalued
PROFIT vs RISK RATING
1..100
8319
SMR RATING
1..100
5356
PRICE GROWTH RATING
1..100
8439
P/E GROWTH RATING
1..100
7611
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

INBK's Valuation (49) in the Regional Banks industry is somewhat better than the same rating for OPOF (100). This means that INBK’s stock grew somewhat faster than OPOF’s over the last 12 months.

OPOF's Profit vs Risk Rating (19) in the Regional Banks industry is somewhat better than the same rating for INBK (83). This means that OPOF’s stock grew somewhat faster than INBK’s over the last 12 months.

INBK's SMR Rating (53) in the Regional Banks industry is in the same range as OPOF (56). This means that INBK’s stock grew similarly to OPOF’s over the last 12 months.

OPOF's Price Growth Rating (39) in the Regional Banks industry is somewhat better than the same rating for INBK (84). This means that OPOF’s stock grew somewhat faster than INBK’s over the last 12 months.

OPOF's P/E Growth Rating (11) in the Regional Banks industry is somewhat better than the same rating for INBK (76). This means that OPOF’s stock grew somewhat faster than INBK’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
INBKOPOF
RSI
ODDS (%)
Bullish Trend 2 days ago
61%
Bearish Trend 2 days ago
61%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
79%
Bearish Trend 2 days ago
47%
Momentum
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
74%
MACD
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
72%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
75%
Bullish Trend 2 days ago
71%
Advances
ODDS (%)
Bullish Trend 4 days ago
69%
Bullish Trend 3 days ago
72%
Declines
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 16 days ago
49%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
62%
Aroon
ODDS (%)
Bearish Trend 2 days ago
78%
Bullish Trend 2 days ago
72%
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INBK
Daily Signalchanged days ago
Gain/Loss if bought
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OPOF
Daily Signalchanged days ago
Gain/Loss if bought
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INBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, INBK has been closely correlated with MCBS. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if INBK jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To INBK
1D Price
Change %
INBK100%
-2.18%
MCBS - INBK
72%
Closely correlated
-1.95%
IBCP - INBK
72%
Closely correlated
-2.50%
UBSI - INBK
71%
Closely correlated
-2.23%
FHB - INBK
70%
Closely correlated
-2.27%
TRMK - INBK
70%
Closely correlated
-1.15%
More

OPOF and

Correlation & Price change

A.I.dvisor tells us that OPOF and FISI have been poorly correlated (+33% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that OPOF and FISI's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPOF
1D Price
Change %
OPOF100%
-1.17%
FISI - OPOF
33%
Poorly correlated
-2.31%
PCB - OPOF
32%
Poorly correlated
-1.43%
BMRC - OPOF
32%
Poorly correlated
-2.37%
OVLY - OPOF
29%
Poorly correlated
-1.11%
INBK - OPOF
27%
Poorly correlated
-2.18%
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