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17.52 (1y: +64%)
Market Cap 785.4 M P/E(ttm) 29.00
Enterprise Value 1.53 B P/B 0.90
OFG- NYSE (USA)
OFG Bancorp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$17.52
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GuruFocus Financial Strength Rank measures how strong a companyÂ’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.096
OFG's Cash to Debt is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. OFG: 1.096 )
OFG' s 10-Year Cash to Debt Range
Min: 0.02   Max: 1.31
Current: 1.1
0.02
1.31
Equity to Asset 0.087
OFG's Equity to Asset is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OFG: 0.087 )
OFG' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.1
Current: 0.09
0.04
0.1
Interest Coverage No Debt
OFG's Interest Coverage is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. OFG: No Debt )
OFG' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.2
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyÂ’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 : 6/10

vs
industry		 vs
history
Operating margin (%) 15.50
OFG's Operating margin (%) is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. OFG: 15.50 )
OFG' s 10-Year Operating margin (%) Range
Min: -11   Max: 52
Current: 15.5
-11
52
Net-margin (%) 13.7
OFG's Net-margin (%) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. OFG: 13.7 )
OFG' s 10-Year Net-margin (%) Range
Min: -8.3   Max: 47.8
Current: 13.7
-8.3
47.8
ROE (%) 2.8
OFG's ROE (%) is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OFG: 2.8 )
OFG' s 10-Year ROE (%) Range
Min: -1.5   Max: 25.4
Current: 2.8
-1.5
25.4
ROA (%) 0.3
OFG's ROA (%) is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OFG: 0.3 )
OFG' s 10-Year ROA (%) Range
Min: -0.1   Max: 1.7
Current: 0.3
-0.1
1.7
Revenue Growth (%) -7.1
OFG's Revenue Growth (%) is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. OFG: -7.1 )
OFG' s 10-Year Revenue Growth (%) Range
Min: -16.3   Max: 25.6
Current: -7.1
-16.3
25.6
EBITDA Growth (%) -16.2
OFG's EBITDA Growth (%) is ranked higher than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. OFG: -16.2 )
OFG' s 10-Year EBITDA Growth (%) Range
Min: -55.9   Max: 91.5
Current: -16.2
-55.9
91.5
EPS Growth (%) -17.3
OFG's EPS Growth (%) is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. OFG: -17.3 )
OFG' s 10-Year EPS Growth (%) Range
Min: -18.6   Max: 72
Current: -17.3
-18.6
72
» OFG's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

OFG Guru Trades in Q2 2012

Steven Cohen 422,005 sh (New)
Paul Tudor Jones 10,500 sh (New)
Jim Simons 231,770 sh (+71.05%)
John Keeley 12,500 sh (+13.64%)
Columbia Wanger Sold Out
» More
Q3 2012

OFG Guru Trades in Q3 2012

Jim Simons 362,535 sh (+56.42%)
John Keeley 12,500 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen 365,772 sh (-13.33%)
» More
Q4 2012

OFG Guru Trades in Q4 2012

Columbia Wanger 500,000 sh (New)
John Keeley 22,500 sh (+80%)
Steven Cohen Sold Out
Jim Simons 225,600 sh (-37.77%)
» More
Q1 2013

OFG Guru Trades in Q1 2013

Jim Simons 353,570 sh (+56.72%)
John Keeley 22,500 sh (unchged)
Columbia Wanger Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with OFG

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2012-12-31 Add 80%$10.07 - $13.2 $ 17.5851%22500
John Keeley 2012-03-31 Reduce -51.11%$11.4 - $12.54 $ 17.5855%11000
George Soros 2011-12-31 Sold Out 0.0034%$9.23 - $12.41 $ 17.5862%0
George Soros 2011-09-30 New Buy$9.29 - $13.05 $ 17.5858%20300
John Keeley 2010-12-31 Add 85%$11.55 - $13.78 $ 17.5841%18500
George Soros 2010-09-30 Sold Out 0.01%$12.31 - $14.25 $ 17.5831%0
George Soros 2010-06-30 New Buy0.01%$12.49 - $16.72 $ 17.5824%17300
Premium More recent guru trades are included for Premium Members only!!

Preferred stocks of OFG Bancorp

SymbolPriceYieldDescription
OFGPRA25.053.497.125% NonCumulative Monthly Income Preferred Stock, Series A
OFGPRD25.051.75
OFGPRB25.053.447.0% NonCumulative Monthly Income Preferred Stock, Series B

Ratios

vs
industry		 vs
history
P/E(ttm) 29.00
OFG's P/E(ttm) is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. OFG: 29.00 )
OFG' s 10-Year P/E(ttm) Range
Min: 0.3   Max: 107.96
Current: 29
0.3
107.96
P/B 0.90
OFG's P/B is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OFG: 0.90 )
OFG' s 10-Year P/B Range
Min: 0.08   Max: 2.66
Current: 0.9
0.08
2.66
P/S 3.70
OFG's P/S is ranked lower than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OFG: 3.70 )
OFG' s 10-Year P/S Range
Min: 0.23   Max: 8.79
Current: 3.7
0.23
8.79
PFCF 14.40
OFG's PFCF is ranked lower than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OFG: 14.40 )
OFG' s 10-Year PFCF Range
Min: 1.54   Max: 386.5
Current: 14.4
1.54
386.5
EV-to-EBIT 35.7
OFG's EV-to-EBIT is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. OFG: 35.7 )
OFG' s 10-Year EV-to-EBIT Range
Min: 3.9   Max: 674.8
Current: 35.7
3.9
674.8
PEG 60.8
OFG's PEG is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. OFG: 60.8 )
OFG' s 10-Year PEG Range
Min: 0.09   Max: 60.9
Current: 60.8
0.09
60.9
Shiller P/E 14.7
OFG's Shiller P/E is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. OFG: 14.7 )
OFG' s 10-Year Shiller P/E Range
Min: 0.53   Max: 20.39
Current: 14.7
0.53
20.39

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.30
OFG's Dividend Yield is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OFG: 1.30 )
OFG' s 10-Year Dividend Yield Range
Min: 0.96   Max: 29.36
Current: 1.3
0.96
29.36
Dividend Payout 0.4931
OFG's Dividend Payout is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. OFG: 0.4931 )
OFG' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.73
Current: 0.49
0.17
0.73
Dividend growth (3y) 9.3
OFG's Dividend growth (3y) is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. OFG: 9.3 )
OFG' s 10-Year Dividend growth (3y) Range
Min: -26.9   Max: 16
Current: 9.3
-26.9
16
Yield on cost (5-Year) 0.78
OFG's Yield on cost (5-Year) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. OFG: 0.78 )
OFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.57   Max: 17.53
Current: 0.78
0.57
17.53
Share Buyback Rate -16.8
OFG's Share Buyback Rate is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. OFG: -16.8 )
OFG' s 10-Year Share Buyback Rate Range
Min: 0.9   Max: -16.8
Current: -16.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
OFG's Price/Tangible Book is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OFG: 1 )
OFG' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.4
Current: 1
0.6
2.4
Price/DCF (Projected) 1.6
OFG's Price/DCF (Projected) is ranked higher than
99% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. OFG: 1.6 )
OFG' s 10-Year Price/DCF (Projected) Range
Min: 1.3   Max: 71.9
Current: 1.6
1.3
71.9
Price/Median PS Value 1
OFG's Price/Median PS Value is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OFG: 1 )
OFG' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.5
Current: 1
0.4
1.5
Price/Graham Number 1.2
OFG's Price/Graham Number is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OFG: 1.2 )
OFG' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.6
Current: 1.2
0.4
1.6
Earnings Yield (Greenblatt) 2.80
OFG's Earnings Yield (Greenblatt) is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OFG: 2.80 )
OFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 25.9
Current: 2.8
0.1
25.9
Forward Rate of Return (Yacktman) -2.81
OFG's Forward Rate of Return (Yacktman) is ranked lower than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. OFG: -2.81 )
OFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -195.2   Max: 64.3
Current: -2.81
-195.2
64.3

Business Description

Oriental Financial Group Inc. is a financial holding company, which was incorporated on June 14, 1996 under the laws of the Commonwealth of Puerto Rico. 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. It operates through three business segments: Banking, Financial Services and Treasury. Oriental Bank and Trust (the 'Bank'), the Company's main subsidiary, is a full-service Puerto Rico commercial bank with its main office located in San Juan, Puerto Rico. It has 23 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. Oriental Financial Services Corp. (OFSC) is a Puerto Rico corporation and the Company's subsidiary engaged in securities brokerage and investment banking activities in accordance with its strategy of providing fully integrated financial solutions to its clients. OFSC 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. (Oriental Insurance) 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
Company Website
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR

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