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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 1.26
OFG's Cash to Debt is ranked lower than
58% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. OFG: 1.26 )
Ranked among companies with meaningful Cash to Debt only.
OFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.19 Max: N/A
Current: 1.26
Equity to Asset 0.14
OFG's Equity to Asset is ranked higher than
82% of the 1593 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 0.37
OFG's Interest Coverage is ranked lower than
87% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. OFG: 0.37 )
Ranked among companies with meaningful Interest Coverage only.
OFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.22 Max: 1.59
Current: 0.37
0.03
1.59
F-Score: 5
M-Score: 1.52
WACC vs ROIC
10.44%
4.14%
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 (%) 6.19
OFG's Operating margin (%) is ranked lower than
89% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. OFG: 6.19 )
Ranked among companies with meaningful Operating margin (%) only.
OFG' s Operating margin (%) Range Over the Past 10 Years
Min: -10.98  Med: 19 Max: 36.84
Current: 6.19
-10.98
36.84
Net-margin (%) 8.18
OFG's Net-margin (%) is ranked lower than
86% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. OFG: 8.18 )
Ranked among companies with meaningful Net-margin (%) only.
OFG' s Net-margin (%) Range Over the Past 10 Years
Min: -8.32  Med: 18.83 Max: 35.5
Current: 8.18
-8.32
35.5
ROE (%) 2.01
OFG's ROE (%) is ranked lower than
87% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. OFG: 2.01 )
Ranked among companies with meaningful ROE (%) only.
OFG' s ROE (%) Range Over the Past 10 Years
Min: -3.43  Med: 5.14 Max: 10.48
Current: 2.01
-3.43
10.48
ROA (%) 0.45
OFG's ROA (%) is ranked lower than
74% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. OFG: 0.45 )
Ranked among companies with meaningful ROA (%) only.
OFG' s ROA (%) Range Over the Past 10 Years
Min: -0.12  Med: 0.4 Max: 1.13
Current: 0.45
-0.12
1.13
Revenue Growth (3Y)(%) 23.20
OFG's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. OFG: 23.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.8  Med: 5.3 Max: 36.9
Current: 23.2
-20.8
36.9
» OFG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-23)


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

» Details

Guru Trades

Q3 2015

OFG Guru Trades in Q3 2015

Keeley Asset Management Corp 30,000 sh (New)
Richard Snow 2,136,335 sh (+52.28%)
Jim Simons 93,770 sh (+17.80%)
Paul Tudor Jones 20,500 sh (-61.03%)
» More
Q4 2015

OFG Guru Trades in Q4 2015

Jim Simons 117,770 sh (+25.59%)
Richard Snow 2,481,815 sh (+16.17%)
Keeley Asset Management Corp Sold Out
Paul Tudor Jones Sold Out
» More
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
» 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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Preferred stocks of OFG Bancorp

SymbolPriceYieldDescription
OFGIP855.0010.23
OFGPRB23.617.417.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD23.387.62
OFGPRA23.757.507.125% NonCumulative Monthly Income Preferred Stock, Series A

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FMCB, NAS:CAC, NAS:THFF, NAS:CACB, NAS:LION, NAS:FLIC, NAS:BDGE, NAS:PSTB, NAS:MBWM, NAS:COBZ, NAS:PEBO, NAS:BMTC, NAS:CUNB, NAS:SNBC, NAS:CNOB, NAS:GABC, OTCPK:HBIA, NAS:AROW, NAS:TSC, NAS:MSFG » 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...
Weekly CFO Buys Highlight: OFG Bancorp, Ascena Retail Group, Hornbeck Offshore Services Recent insider buys from company CFOs
According to GuruFocus Insider Data, the recent CFO buys were: OFG Bancorp (NYSE:OFG), Ascena Retail Group Inc. (NASDAQ:ASNA), and Hornbeck Offshore Services Inc. (NYSE:HOS). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 26.54
OFG's P/E(ttm) is ranked lower than
87% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. OFG: 26.54 )
Ranked among companies with meaningful P/E(ttm) only.
OFG' s P/E(ttm) Range Over the Past 10 Years
Min: 0.89  Med: 13.93 Max: 1299
Current: 26.54
0.89
1299
PE(NRI) 26.54
OFG's PE(NRI) is ranked lower than
87% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. OFG: 26.54 )
Ranked among companies with meaningful PE(NRI) only.
OFG' s PE(NRI) Range Over the Past 10 Years
Min: 0.89  Med: 13.98 Max: 1299
Current: 26.54
0.89
1299
P/B 0.66
OFG's P/B is ranked higher than
77% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OFG: 0.66 )
Ranked among companies with meaningful P/B only.
OFG' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.96 Max: 2.69
Current: 0.66
0.11
2.69
P/S 1.45
OFG's P/S is ranked higher than
83% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. OFG: 1.45 )
Ranked among companies with meaningful P/S only.
OFG' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 2.82 Max: 13.14
Current: 1.45
0.23
13.14
PFCF 7.58
OFG's PFCF is ranked higher than
65% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. OFG: 7.58 )
Ranked among companies with meaningful PFCF only.
OFG' s PFCF Range Over the Past 10 Years
Min: 2.92  Med: 5.66 Max: 100.41
Current: 7.58
2.92
100.41
POCF 6.97
OFG's POCF is ranked higher than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. OFG: 6.97 )
Ranked among companies with meaningful POCF only.
OFG' s POCF Range Over the Past 10 Years
Min: 2.77  Med: 5.56 Max: 515.33
Current: 6.97
2.77
515.33
EV-to-EBIT 22.90
OFG's EV-to-EBIT is ranked lower than
77% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. OFG: 22.90 )
Ranked among companies with meaningful EV-to-EBIT only.
OFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -177.6  Med: 13.1 Max: 668.8
Current: 22.9
-177.6
668.8
EV-to-EBITDA 15.34
OFG's EV-to-EBITDA is ranked lower than
64% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. OFG: 15.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
OFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -71.1  Med: 12.45 Max: 325
Current: 15.34
-71.1
325
Shiller P/E 13.37
OFG's Shiller P/E is ranked higher than
75% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. OFG: 13.37 )
Ranked among companies with meaningful Shiller P/E only.
OFG' s Shiller P/E Range Over the Past 10 Years
Min: 0.69  Med: 8.9 Max: 18.46
Current: 13.37
0.69
18.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.51
OFG's Dividend Yield is ranked lower than
57% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. OFG: 2.51 )
Ranked among companies with meaningful Dividend Yield only.
OFG' s Dividend Yield Range Over the Past 10 Years
Min: 0.96  Med: 2.19 Max: 29.36
Current: 2.51
0.96
29.36
Dividend Payout 0.68
OFG's Dividend Payout is ranked lower than
87% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OFG: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
OFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.22 Max: 7.2
Current: 0.68
0.02
7.2
Dividend Growth (3y) 14.50
OFG's Dividend Growth (3y) is ranked higher than
66% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. OFG: 14.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -34.1  Med: 13.4 Max: 30.6
Current: 14.5
-34.1
30.6
Forward Dividend Yield 2.18
OFG's Forward Dividend Yield is ranked lower than
69% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. OFG: 2.18 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.50
OFG's Yield on cost (5-Year) is ranked higher than
72% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. OFG: 5.50 )
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: 2.09  Med: 4.74 Max: 63.82
Current: 5.5
2.09
63.82
3-Year Average Share Buyback Ratio 1.30
OFG's 3-Year Average Share Buyback Ratio is ranked higher than
87% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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: -1.1 Max: 3.1
Current: 1.3
-24.3
3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.74
OFG's Price/Tangible Book is ranked higher than
75% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. OFG: 0.74 )
Ranked among companies with meaningful Price/Tangible Book only.
OFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 1.29 Max: 4
Current: 0.74
0.47
4
Price/Projected FCF 0.31
OFG's Price/Projected FCF is ranked higher than
84% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. OFG: 0.31 )
Ranked among companies with meaningful Price/Projected FCF only.
OFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.2  Med: 1.23 Max: 7.81
Current: 0.31
0.2
7.81
Price/Median PS Value 0.50
OFG's Price/Median PS Value is ranked higher than
95% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. OFG: 0.50 )
Ranked among companies with meaningful Price/Median PS Value only.
OFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.33  Med: 1.27 Max: 5.15
Current: 0.5
0.33
5.15
Price/Graham Number 0.93
OFG's Price/Graham Number is ranked lower than
58% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. OFG: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
OFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 1.08 Max: 7.04
Current: 0.93
0.29
7.04
Earnings Yield (Greenblatt) (%) 4.34
OFG's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. OFG: 4.34 )
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: 4.34
0.1
25.9
Forward Rate of Return (Yacktman) (%) -17.71
OFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
91% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. OFG: -17.71 )
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: -151.2  Med: -11.2 Max: 49.3
Current: -17.71
-151.2
49.3

More Statistics

Revenue (TTM) (Mil) $392.6
EPS (TTM) $ 0.42
Beta1.66
Short Percentage of Float10.75%
52-Week Range $4.56 - 11.25
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 

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OFG Bancorp :OFG-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
Edited Transcript of OFG earnings conference call or presentation 22-Jul-16 2:00pm GMT Jul 22 2016
OFG BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 22 2016
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OFG posts 2Q profit Jul 22 2016
OFG Bancorp Reports 2Q16 Results Jul 22 2016
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OFG Bancorp to Present at KBW 2016 Community Bank Investor Conference Jul 22 2016
OFG Bancorp to Present at KBW 2016 Community Bank Investor Conference Jul 11 2016
OFG Bancorp breached its 50 day moving average in a Bullish Manner : OFG-US : July 11, 2016 Jul 11 2016

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