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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.63
OFG's Cash to Debt is ranked higher than
58% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. OFG: 3.63 )
Ranked among companies with meaningful Cash to Debt only.
OFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.31 Max: 3.63
Current: 3.63
0.04
3.63
Equity to Asset 0.14
OFG's Equity to Asset is ranked higher than
81% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OFG: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
OFG' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.14
Current: 0.14
0.04
0.14
Interest Coverage 1.49
OFG's Interest Coverage is ranked lower than
53% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. OFG: 1.49 )
Ranked among companies with meaningful Interest Coverage only.
OFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.23 Max: 1.59
Current: 1.49
0.03
1.59
F-Score: 5
M-Score: 2.18
WACC vs ROIC
13.27%
8.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 23.26
OFG's Operating margin (%) is ranked lower than
68% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. OFG: 23.26 )
Ranked among companies with meaningful Operating margin (%) only.
OFG' s Operating margin (%) Range Over the Past 10 Years
Min: -5.15  Med: 20.7 Max: 36.84
Current: 23.26
-5.15
36.84
Net-margin (%) 16.16
OFG's Net-margin (%) is ranked lower than
70% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. OFG: 16.16 )
Ranked among companies with meaningful Net-margin (%) only.
OFG' s Net-margin (%) Range Over the Past 10 Years
Min: -0.64  Med: 18.83 Max: 35.5
Current: 16.16
-0.64
35.5
ROE (%) 4.97
OFG's ROE (%) is ranked lower than
75% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. OFG: 4.97 )
Ranked among companies with meaningful ROE (%) only.
OFG' s ROE (%) Range Over the Past 10 Years
Min: -3.43  Med: 5.56 Max: 10.48
Current: 4.97
-3.43
10.48
ROA (%) 0.88
OFG's ROA (%) is ranked lower than
51% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OFG: 0.88 )
Ranked among companies with meaningful ROA (%) only.
OFG' s ROA (%) Range Over the Past 10 Years
Min: -0.03  Med: 0.47 Max: 1.13
Current: 0.88
-0.03
1.13
Revenue Growth (3Y)(%) -3.80
OFG's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. OFG: -3.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.8  Med: 4.5 Max: 34.6
Current: -3.8
-20.8
34.6
EBITDA Growth (3Y)(%) -4.80
OFG's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. OFG: -4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.3  Med: 3.45 Max: 137.7
Current: -4.8
-66.3
137.7
EPS Growth (3Y)(%) -15.90
OFG's EPS Growth (3Y)(%) is ranked lower than
87% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. OFG: -15.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40  Med: -3.35 Max: 134.5
Current: -15.9
-40
134.5
GuruFocus has detected 4 Warning Signs with OFG Bancorp $OFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OFG's 10-Y Financials

Financials (Next Earnings Date: 2017-04-21)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

OFG Guru Trades in Q1 2016

Paul Tudor Jones 14,000 sh (New)
Arnold Schneider 781,498 sh (New)
Jim Simons Sold Out
Richard Snow 2,333,439 sh (-5.98%)
» More
Q2 2016

OFG Guru Trades in Q2 2016

Arnold Schneider 980,471 sh (+25.46%)
Paul Tudor Jones Sold Out
Richard Snow 1,716,937 sh (-26.42%)
» More
Q3 2016

OFG Guru Trades in Q3 2016

Arnold Schneider 862,362 sh (-12.05%)
Richard Snow 1,321,595 sh (-23.03%)
» More
Q4 2016

OFG Guru Trades in Q4 2016

Paul Tudor Jones 24,800 sh (New)
Jim Simons 289,953 sh (New)
Richard Snow 1,242,774 sh (-5.96%)
Arnold Schneider 732,024 sh (-15.11%)
» More
» Details

Insider Trades

Latest Guru Trades with OFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of OFG Bancorp

SymbolPriceYieldDescription
OFGIP1198.127.17
OFGPRB24.007.297.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD24.277.34NonCum Perp Pfd Shs Series D
OFGPRA23.957.447.125% NonCumulative Monthly Income Preferred Stock, Series A

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110 
Compare:NAS:QCRH, NAS:PEBO, NAS:PCBK, NAS:HBNC, NAS:THFF, NAS:CACB, NAS:GNBC, NAS:LION, NAS:PGC, NAS:MBWM, NAS:TSC, NAS:FFWM, NAS:MSBI, NAS:PSTB, NAS:HTBK, NAS:XBKS, NAS:FBNC, NAS:CAC, NAS:OKSB, NYSE:FSB » details
Traded in other countries:OFP.Germany,
OFG Bancorp through its subsidiaries provides commercial, consumer & mortgage lending, leasing, auto loans, financial planning, insurance sales, money management & investment banking, brokerage services; & corporate & individual trust services.

OFG Bancorp is a publicly-owned financial holding company incorporated on June 14, 1996 under the laws of the Commonwealth of Puerto Rico, providing a full range of banking and financial services through its subsidiaries. The Company provides financial services to its clients through a complete range of banking and financial solutions, including mortgage, commercial and consumer lending; checking and savings accounts; financial planning, insurance, asset management, and investment brokerage; and corporate and individual trust and retirement services. The Company has three reportable segments: Banking, Financial Services, and Treasury. The Company's subsidiary, is a full-service Puerto Rico commercial bank with its office located in San Juan, Puerto Rico. It has 55 branches throughout Puerto Rico and was incorporated in 1964 as a federal mutual savings and loan association. Banking activities include the Bank's branches and mortgage banking activities with traditional retail banking products such as deposits and mortgage, commercial, and consumer loans. The Bank's lending activities are mainly with consumers located in Puerto Rico. The Bank's loan transactions include a number of industries and activities, all of which are encompassed within three main categories: mortgage, commercial, and consumer. The Company's mortgage banking activities are conducted through a division of the Bank, and also through Oriental Mortgage Financial services activities are generated by such businesses as securities brokerage, fiduciary services, insurance, and pension administration. The Company offers securities brokerage services covering various investment alternatives such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. It also offers separately managed accounts and mutual fund asset allocation programs sponsored by unaffiliated professional asset managers. Oriental Insurance Inc. is a Puerto Rico corporation and the Company's subsidiary engaged in insurance agency services. It was established by the Company to take advantage of the cross-marketing opportunities provided by financial modernization legislation. Caribbean Pension Consultants, Inc., a Florida corporation, is the Company's subsidiary engaged in the administration of retirement plans in the U.S., Puerto Rico, and the Caribbean. Treasury activities encompass all of the Company's treasury-related functions. Its investment portfolio consists of mortgage-backed securities, obligations of U.S. Government sponsored agencies, PuertoRico Government and agency obligations, structured credit investments, and money market instruments. The Company encounters intense competition in attracting and retaining deposits and in its consumer and commercial lending activities. The competition in originating loans and attracting assets comes principally from other U.S., Puerto Rico and foreign banks, investment advisors, broker/dealers, mortga

Top Ranked Articles about OFG Bancorp

Arnold Schneider's Best-Performing Stocks Guru's 1st-quarter purchases with the highest returns
Arnold Schneider is president, chief investment officer and principal of Schneider Capital Management Corp. He manages a portfolio composed of 71 stocks with a total value of $511 million. During the first quarter of 2016, the guru increased several stakes, and the following are the ones with the highest performances. Read more...
Richard Snow Trims 2 Stakes in May Guru reduces holdings in Carbo Ceramics, OFG Bancorp
Richard Snow (Trades, Portfolio), founder, president and CIO of Snow Capital Management LP, reduced his stakes in two companies in May – Carbo Ceramics Inc. (NYSE:CRR) and OFG Bancorp (NYSE:OFG). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 13.19
OFG's P/E(ttm) is ranked higher than
55% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. OFG: 13.19 )
Ranked among companies with meaningful P/E(ttm) only.
OFG' s P/E(ttm) Range Over the Past 10 Years
Min: 0.89  Med: 14.52 Max: 1299
Current: 13.19
0.89
1299
PE(NRI) 13.19
OFG's PE(NRI) is ranked higher than
56% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. OFG: 13.19 )
Ranked among companies with meaningful PE(NRI) only.
OFG' s PE(NRI) Range Over the Past 10 Years
Min: 0.89  Med: 14.52 Max: 1299
Current: 13.19
0.89
1299
Price/Owner Earnings (ttm) 11.55
OFG's Price/Owner Earnings (ttm) is ranked higher than
63% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. OFG: 11.55 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OFG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.72  Med: 12.7 Max: 130.71
Current: 11.55
1.72
130.71
P/B 0.79
OFG's P/B is ranked higher than
74% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. OFG: 0.79 )
Ranked among companies with meaningful P/B only.
OFG' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.94 Max: 2.69
Current: 0.79
0.11
2.69
P/S 1.88
OFG's P/S is ranked higher than
78% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. OFG: 1.88 )
Ranked among companies with meaningful P/S only.
OFG' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 2.68 Max: 13.32
Current: 1.88
0.23
13.32
PFCF 15.97
OFG's PFCF is ranked lower than
54% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. OFG: 15.97 )
Ranked among companies with meaningful PFCF only.
OFG' s PFCF Range Over the Past 10 Years
Min: 2.92  Med: 5.86 Max: 100.41
Current: 15.97
2.92
100.41
POCF 14.68
OFG's POCF is ranked lower than
56% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. OFG: 14.68 )
Ranked among companies with meaningful POCF only.
OFG' s POCF Range Over the Past 10 Years
Min: 2.77  Med: 6.43 Max: 483.13
Current: 14.68
2.77
483.13
EV-to-EBIT 4.63
OFG's EV-to-EBIT is ranked higher than
81% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. OFG: 4.63 )
Ranked among companies with meaningful EV-to-EBIT only.
OFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -177.6  Med: 12.7 Max: 669.9
Current: 4.63
-177.6
669.9
EV-to-EBITDA 4.21
OFG's EV-to-EBITDA is ranked higher than
82% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. OFG: 4.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
OFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -71.1  Med: 12.5 Max: 325
Current: 4.21
-71.1
325
Shiller P/E 13.75
OFG's Shiller P/E is ranked higher than
80% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. OFG: 13.75 )
Ranked among companies with meaningful Shiller P/E only.
OFG' s Shiller P/E Range Over the Past 10 Years
Min: 0.69  Med: 9.1 Max: 18.26
Current: 13.75
0.69
18.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.78
OFG's Dividend Yield is ranked lower than
70% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. OFG: 1.78 )
Ranked among companies with meaningful Dividend Yield only.
OFG' s Dividend Yield Range Over the Past 10 Years
Min: 0.96  Med: 2.17 Max: 42.2
Current: 1.78
0.96
42.2
Dividend Payout 0.36
OFG's Dividend Payout is ranked lower than
55% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OFG: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
OFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.27 Max: 0.69
Current: 0.36
0.15
0.69
Dividend Growth (3y) -2.60
OFG's Dividend Growth (3y) is ranked lower than
81% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. OFG: -2.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -34.1  Med: 13.3 Max: 22
Current: -2.6
-34.1
22
Forward Dividend Yield 1.78
OFG's Forward Dividend Yield is ranked lower than
73% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. OFG: 1.78 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.42
OFG's Yield on cost (5-Year) is ranked lower than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. OFG: 2.42 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OFG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.3  Med: 2.95 Max: 57.28
Current: 2.42
1.3
57.28
3-Year Average Share Buyback Ratio 1.30
OFG's 3-Year Average Share Buyback Ratio is ranked higher than
87% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. OFG: 1.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.3  Med: 0.1 Max: 3.1
Current: 1.3
-24.3
3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
OFG's Price/Tangible Book is ranked higher than
70% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. OFG: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
OFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 1.23 Max: 4
Current: 0.9
0.51
4
Price/Projected FCF 0.38
OFG's Price/Projected FCF is ranked higher than
86% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OFG: 0.38 )
Ranked among companies with meaningful Price/Projected FCF only.
OFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.22  Med: 1.19 Max: 4.14
Current: 0.38
0.22
4.14
Price/Median PS Value 0.70
OFG's Price/Median PS Value is ranked higher than
90% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. OFG: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
OFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.36  Med: 1.18 Max: 2.98
Current: 0.7
0.36
2.98
Price/Graham Number 0.73
OFG's Price/Graham Number is ranked higher than
68% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. OFG: 0.73 )
Ranked among companies with meaningful Price/Graham Number only.
OFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 1.08 Max: 2.89
Current: 0.73
0.48
2.89
Earnings Yield (Greenblatt) (%) 21.60
OFG's Earnings Yield (Greenblatt) (%) is ranked higher than
86% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. OFG: 21.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.5 Max: 25.9
Current: 21.6
0.1
25.9
Forward Rate of Return (Yacktman) (%) -14.04
OFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
92% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. OFG: -14.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OFG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -150.3  Med: -11.75 Max: 49.3
Current: -14.04
-150.3
49.3

More Statistics

Revenue (TTM) (Mil) $366.2
EPS (TTM) $ 1.02
Beta1.78
Short Percentage of Float7.95%
52-Week Range $5.02 - 14.48
Shares Outstanding (Mil)43.91
» More Articles for OFG

Headlines

Articles On GuruFocus.com
Arnold Schneider's Best-Performing Stocks Jul 06 2016 
Richard Snow Trims 2 Stakes in May Jun 09 2016 
Weekly CFO Buys Highlight: OFG Bancorp, Ascena Retail Group, Hornbeck Offshore Services Jan 24 2016 
9 Best-Yielding Money Center Banks Below Book Value Feb 21 2012 
Oriental Financial Group Inc. Reports Operating Results (10-K) Mar 10 2011 
Oriental Financial Group Inc. Reports Operating Results (10-Q) May 07 2010 
Oriental Financial Group Inc. Reports Operating Results (10-Q) Nov 06 2009 
Oriental Financial Group Inc. Reports Operating Results (10-Q) Aug 10 2009 
Oriental Financial Group Inc. (OFG) President & CEO Jose Rafael Fernandez sells 15,000 Shares Aug 03 2009 
Oriental Financial Group Inc. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
OFG BANCORP Files SEC form 8-K, Termination of a Material Definitive Agreement, Financial Statements... Feb 07 2017
OFG Bancorp :OFG-US: Earnings Analysis: Q4, 2016 By the Numbers : February 7, 2017 Feb 07 2017
OFG Bancorp :OFG-US: Earnings Analysis: 2016 By the Numbers : February 2, 2017 Feb 02 2017
Edited Transcript of OFG earnings conference call or presentation 31-Jan-17 3:00pm GMT Jan 31 2017
OFG posts 4Q profit Jan 31 2017
OFG posts 4Q profit Jan 31 2017
OFG BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jan 31 2017
OFG Bancorp Reports 4Q16 & 2016 Results Jan 31 2017
Q4 2016 OFG Bancorp Earnings Release - Before Market Open Jan 31 2017
OFG Bancorp breached its 50 day moving average in a Bullish Manner : OFG-US : January 25, 2017 Jan 25 2017
OFG Bancorp breached its 50 day moving average in a Bearish Manner : OFG-US : January 10, 2017 Jan 10 2017
OFG Bancorp to Report 4Q16 Results and Hold Conference Call on Tuesday, January 31, 2017 Dec 19 2016
OFG Bancorp to Report 4Q16 Results and Hold Conference Call on Tuesday, January 31, 2017 Dec 19 2016
Hedge Funds Aren’t Crazy About LivePerson, Inc. (LPSN) Anymore Dec 06 2016
OFG Bancorp Declares Regular Quarterly Common Stock Cash Dividend Dec 01 2016
OFG Bancorp Declares Regular Quarterly Preferred Stock Cash Dividends Dec 01 2016
OFG Bancorp Declares Regular Quarterly Preferred Stock Cash Dividends Nov 30 2016
OFG Bancorp Declares Regular Quarterly Common Stock Cash Dividend Nov 30 2016
OFG BANCORP Financials Nov 15 2016
OFG BANCORP Files SEC form 10-Q, Quarterly Report Nov 04 2016

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