First Bancorp (NASDAQ:FBNC – Get Free Report) and Old Point Financial (NASDAQ:OPOF – Get Free Report) are both finance companies, but which is the better business? Comparatively, Old Point Financial has a beta of -0.31, indicating that its stock price is 131% less volatile than the S&P 500. Analyst RatingsThis is a breakdown of recent ratings and recommmendations for First Bancorp and Old Point Financial, as provided by MarketBeat. Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio First Bancorp $537.14 million 4.02 $76.21 million $2.34 22.26 Old Point Financial $85.82 million 2.50 $9.51 million $1.70 24.76First Bancorp has higher revenue and earnings than Old Point Financial. Net Margins Return on Equity Return on Assets First Bancorp 17.65% 8.96% 1.09% Old Point Financial 10.12% 8.16% 0.66%SummaryFirst Bancorp beats Old Point Financial on 13 of the 16 factors compared between the two stocks.