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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.53
OFG's Cash to Debt is ranked higher than
77% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OFG: 1.53 )
OFG' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 1.53

Equity to Asset 0.12
OFG's Equity to Asset is ranked higher than
83% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OFG: 0.12 )
OFG' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.13
Current: 0.12

0.04
0.13
Interest Coverage 1.07
OFG's Interest Coverage is ranked higher than
65% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OFG: 1.07 )
OFG' s 10-Year Interest Coverage Range
Min: 0.03   Max: 1.07
Current: 1.07

0.03
1.07
F-Score: 6
Z-Score: 0.24
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 (%) 27.95
OFG's Operating margin (%) is ranked higher than
73% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. OFG: 27.95 )
OFG' s 10-Year Operating margin (%) Range
Min: -10.98   Max: 49.01
Current: 27.95

-10.98
49.01
Net-margin (%) 18.99
OFG's Net-margin (%) is ranked higher than
71% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. OFG: 18.99 )
OFG' s 10-Year Net-margin (%) Range
Min: -8.32   Max: 49.19
Current: 18.99

-8.32
49.19
ROE (%) 9.38
OFG's ROE (%) is ranked higher than
78% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. OFG: 9.38 )
OFG' s 10-Year ROE (%) Range
Min: -1.51   Max: 27.88
Current: 9.38

-1.51
27.88
ROA (%) 1.06
OFG's ROA (%) is ranked higher than
84% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OFG: 1.06 )
OFG' s 10-Year ROA (%) Range
Min: -0.12   Max: 1.86
Current: 1.06

-0.12
1.86
ROC (Joel Greenblatt) (%) 150.71
OFG's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. OFG: 150.71 )
OFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -38.04   Max: 343.1
Current: 150.71

-38.04
343.1
Revenue Growth (%) 28.40
OFG's Revenue Growth (%) is ranked higher than
98% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OFG: 28.40 )
OFG' s 10-Year Revenue Growth (%) Range
Min: -20.7   Max: 36.9
Current: 28.4

-20.7
36.9
EBITDA Growth (%) 84.30
OFG's EBITDA Growth (%) is ranked higher than
98% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OFG: 84.30 )
OFG' s 10-Year EBITDA Growth (%) Range
Min: -66.3   Max: 137.8
Current: 84.3

-66.3
137.8
» OFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

OFG Guru Trades in Q4 2013

John Keeley 20,500 sh (unchged)
Columbia Wanger 900,000 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones 21,077 sh (-51.66%)
Jim Simons 67,100 sh (-63.11%)
» More
Q1 2014

OFG Guru Trades in Q1 2014

John Keeley 20,500 sh (unchged)
Paul Tudor Jones 19,815 sh (-5.99%)
Columbia Wanger 300,000 sh (-66.67%)
Jim Simons 16,900 sh (-74.81%)
» More
Q2 2014

OFG Guru Trades in Q2 2014

Richard Snow 202,205 sh (New)
Columbia Wanger 300,000 sh (unchged)
John Keeley 20,500 sh (unchged)
Jim Simons Sold Out
Paul Tudor Jones 10,100 sh (-49.03%)
» More
Q3 2014

OFG Guru Trades in Q3 2014

Jim Simons 16,269 sh (New)
Paul Tudor Jones 54,797 sh (+442.54%)
Richard Snow 325,225 sh (+60.84%)
Columbia Wanger Sold Out
John Keeley Sold Out
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Snow 2014-09-30 Add 60.84%0.06%$15.08 - $18.56 $ 16.13-1%325225
John Keeley 2014-09-30 Sold Out 0.01%$15.08 - $18.56 $ 16.13-1%0
Richard Snow 2014-06-30 New Buy0.13%$16.45 - $18.96 $ 16.13-9%202205
John Keeley 2012-12-31 Add 80%$10.07 - $13.2 $ 16.1339%22500
John Keeley 2012-03-31 Reduce -51.11%$11.4 - $12.54 $ 16.1343%11000
George Soros 2011-12-31 Sold Out 0.0034%$9.23 - $12.41 $ 16.1349%0
George Soros 2011-09-30 New Buy$9.29 - $13.05 $ 16.1344%20300
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of OFG Bancorp

SymbolPriceYieldDescription
OFGIP1392.506.26
OFGPRB0.007.217.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD0.007.60
OFGPRA0.007.487.125% NonCumulative Monthly Income Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 11.80
OFG's P/E(ttm) is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. OFG: 11.80 )
OFG' s 10-Year P/E(ttm) Range
Min: 0.9   Max: 86.63
Current: 11.8

0.9
86.63
P/B 0.96
OFG's P/B is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OFG: 0.96 )
OFG' s 10-Year P/B Range
Min: 0.11   Max: 3.66
Current: 0.96

0.11
3.66
P/S 1.98
OFG's P/S is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. OFG: 1.98 )
OFG' s 10-Year P/S Range
Min: 0.23   Max: 8.52
Current: 1.98

0.23
8.52
PFCF 4.56
OFG's PFCF is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OFG: 4.56 )
OFG' s 10-Year PFCF Range
Min: 4.14   Max: 306.25
Current: 4.56

4.14
306.25
EV-to-EBIT 5.34
OFG's EV-to-EBIT is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. OFG: 5.34 )
OFG' s 10-Year EV-to-EBIT Range
Min: -177.6   Max: 674.8
Current: 5.34

-177.6
674.8
PEG 0.85
OFG's PEG is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OFG: 0.85 )
OFG' s 10-Year PEG Range
Min: 0.11   Max: 198.86
Current: 0.85

0.11
198.86
Shiller P/E 15.82
OFG's Shiller P/E is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OFG: 15.82 )
OFG' s 10-Year Shiller P/E Range
Min: 0.65   Max: 29.9
Current: 15.82

0.65
29.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.98
OFG's Dividend Yield is ranked lower than
55% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. OFG: 1.98 )
OFG' s 10-Year Dividend Yield Range
Min: 0.96   Max: 29.36
Current: 1.98

0.96
29.36
Dividend Payout 0.24
OFG's Dividend Payout is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. OFG: 0.24 )
OFG' s 10-Year Dividend Payout Range
Min: 0.02   Max: 2.8
Current: 0.24

0.02
2.8
Dividend growth (3y) 16.40
OFG's Dividend growth (3y) is ranked higher than
88% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. OFG: 16.40 )
OFG' s 10-Year Dividend growth (3y) Range
Min: -34.1   Max: 48.1
Current: 16.4

-34.1
48.1
Yield on cost (5-Year) 3.82
OFG's Yield on cost (5-Year) is ranked higher than
69% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. OFG: 3.82 )
OFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.83   Max: 56.04
Current: 3.82

1.83
56.04
Share Buyback Rate -12.90
OFG's Share Buyback Rate is ranked higher than
57% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OFG: -12.90 )
OFG' s 10-Year Share Buyback Rate Range
Min: 6.7   Max: -23.1
Current: -12.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
OFG's Price/Tangible Book is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. OFG: 1.09 )
OFG' s 10-Year Price/Tangible Book Range
Min: 0.47   Max: 4.01
Current: 1.09

0.47
4.01
Price/DCF (Projected) 0.75
OFG's Price/DCF (Projected) is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. OFG: 0.75 )
OFG' s 10-Year Price/DCF (Projected) Range
Min: 0.51   Max: 638
Current: 0.75

0.51
638
Price/Median PS Value 0.63
OFG's Price/Median PS Value is ranked higher than
97% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. OFG: 0.63 )
OFG' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 4.51
Current: 0.63

0.32
4.51
Price/Graham Number 0.57
OFG's Price/Graham Number is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OFG: 0.57 )
OFG' s 10-Year Price/Graham Number Range
Min: 0.24   Max: 4.44
Current: 0.57

0.24
4.44
Earnings Yield (Greenblatt) 18.70
OFG's Earnings Yield (Greenblatt) is ranked higher than
95% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OFG: 18.70 )
OFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 25.9
Current: 18.7

0.1
25.9
Forward Rate of Return (Yacktman) -3.51
OFG's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. OFG: -3.51 )
OFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -179.7   Max: 50.6
Current: -3.51

-179.7
50.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:OFP.Germany, OFGIP.USA,
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
» More Articles for OFG

Headlines

Articles On GuruFocus.com
comment on OFG Jan 26 2013 
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 
Oriental Financial Group Inc. (OFG) CFO Norberto Gonzalez buys 1,500 Shares Mar 13 2009 


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