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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 : 3/10

vs
industry
vs
history
Cash to Debt 1.55
OFG's Cash to Debt is ranked lower than
57% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. OFG: 1.55 )
Ranked among companies with meaningful Cash to Debt only.
OFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.18 Max: N/A
Current: 1.55
Equity to Asset 0.13
OFG's Equity to Asset is ranked higher than
75% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OFG: 0.13 )
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: 0.13
Current: 0.13
0.04
0.13
Interest Coverage 0.03
OFG's Interest Coverage is ranked lower than
99% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. OFG: 0.03 )
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: 0.03
0.03
1.59
F-Score: 4
M-Score: 1.79
WACC vs ROIC
8.49%
1.94%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 0.47
OFG's Operating margin (%) is ranked lower than
93% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. OFG: 0.47 )
Ranked among companies with meaningful Operating margin (%) only.
OFG' s Operating margin (%) Range Over the Past 10 Years
Min: -10.98  Med: 19.12 Max: 36.84
Current: 0.47
-10.98
36.84
Net-margin (%) 3.84
OFG's Net-margin (%) is ranked lower than
91% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. OFG: 3.84 )
Ranked among companies with meaningful Net-margin (%) only.
OFG' s Net-margin (%) Range Over the Past 10 Years
Min: -8.32  Med: 18.90 Max: 35.5
Current: 3.84
-8.32
35.5
ROE (%) 0.09
OFG's ROE (%) is ranked lower than
92% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. OFG: 0.09 )
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: 0.09
-3.43
10.48
ROA (%) 0.20
OFG's ROA (%) is ranked lower than
88% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. OFG: 0.20 )
Ranked among companies with meaningful ROA (%) only.
OFG' s ROA (%) Range Over the Past 10 Years
Min: -0.12  Med: 0.40 Max: 1.13
Current: 0.2
-0.12
1.13
Revenue Growth (3Y)(%) 24.20
OFG's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. OFG: 24.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.1  Med: 5.70 Max: 35.5
Current: 24.2
-21.1
35.5
» OFG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-31)


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

» Details

Guru Trades

Q2 2015

OFG Guru Trades in Q2 2015

Paul Tudor Jones 52,600 sh (+131.72%)
Richard Snow 1,402,896 sh (+110.10%)
Jim Simons 79,600 sh (-34.81%)
» More
Q3 2015

OFG Guru Trades in Q3 2015

John Keeley 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%)
Paul Tudor Jones Sold Out
John Keeley 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
» 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
OFGIP865.0010.12
OFGPRB18.729.357.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD18.909.42
OFGPRA18.909.427.125% NonCumulative Monthly Income Preferred Stock, Series A

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:EFSC, NAS:HFWA, NAS:GSBC, NAS:COBZ, NAS:BDGE, NAS:BMTC » 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

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/B 0.51
OFG's P/B is ranked higher than
83% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. OFG: 0.51 )
Ranked among companies with meaningful P/B only.
OFG' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.98 Max: 2.69
Current: 0.51
0.11
2.69
P/S 1.19
OFG's P/S is ranked higher than
87% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. OFG: 1.19 )
Ranked among companies with meaningful P/S only.
OFG' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 2.87 Max: 13.14
Current: 1.19
0.23
13.14
PFCF 5.72
OFG's PFCF is ranked higher than
69% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. OFG: 5.72 )
Ranked among companies with meaningful PFCF only.
OFG' s PFCF Range Over the Past 10 Years
Min: 2.92  Med: 5.49 Max: 100.41
Current: 5.72
2.92
100.41
POCF 5.30
OFG's POCF is ranked higher than
67% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. OFG: 5.30 )
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: 5.3
2.77
515.33
EV-to-EBIT 182.35
OFG's EV-to-EBIT is ranked lower than
98% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. OFG: 182.35 )
Ranked among companies with meaningful EV-to-EBIT only.
OFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -177.6  Med: 13.10 Max: 668.8
Current: 182.35
-177.6
668.8
EV-to-EBITDA 22.41
OFG's EV-to-EBITDA is ranked lower than
80% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. OFG: 22.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
OFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -71.1  Med: 12.60 Max: 325
Current: 22.41
-71.1
325
Shiller P/E 12.27
OFG's Shiller P/E is ranked higher than
80% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. OFG: 12.27 )
Ranked among companies with meaningful Shiller P/E only.
OFG' s Shiller P/E Range Over the Past 10 Years
Min: 0.69  Med: 8.95 Max: 19.94
Current: 12.27
0.69
19.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.62
OFG's Dividend Yield is ranked higher than
64% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. OFG: 3.62 )
Ranked among companies with meaningful Dividend Yield only.
OFG' s Dividend Yield Range Over the Past 10 Years
Min: 0.96  Med: 2.18 Max: 29.36
Current: 3.62
0.96
29.36
Dividend Payout 20.67
OFG's Dividend Payout is ranked lower than
100% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OFG: 20.67 )
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: 5
Current: 20.67
0.02
5
Dividend Growth (3y) 14.50
OFG's Dividend Growth (3y) is ranked higher than
67% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 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: 13.40 Max: 30.6
Current: 14.5
-34.1
30.6
Forward Dividend Yield 2.76
OFG's Forward Dividend Yield is ranked lower than
58% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. OFG: 2.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.87
OFG's Yield on cost (5-Year) is ranked higher than
83% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. OFG: 7.87 )
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: 7.87
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 1070 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: -1.10 Max: 3.1
Current: 1.3
-24.3
3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.61
OFG's Price/Tangible Book is ranked higher than
81% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OFG: 0.61 )
Ranked among companies with meaningful Price/Tangible Book only.
OFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 1.34 Max: 4
Current: 0.61
0.47
4
Price/Projected FCF 0.25
OFG's Price/Projected FCF is ranked higher than
90% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. OFG: 0.25 )
Ranked among companies with meaningful Price/Projected FCF only.
OFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.2  Med: 1.24 Max: 638
Current: 0.25
0.2
638
Price/Median PS Value 0.42
OFG's Price/Median PS Value is ranked higher than
97% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OFG: 0.42 )
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: 5.06
Current: 0.42
0.33
5.06
Earnings Yield (Greenblatt) (%) 0.57
OFG's Earnings Yield (Greenblatt) (%) is ranked lower than
89% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. OFG: 0.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.50 Max: 25.9
Current: 0.57
0.1
25.9
Forward Rate of Return (Yacktman) (%) -21.73
OFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. OFG: -21.73 )
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: -144.2  Med: -10.50 Max: 49.3
Current: -21.73
-144.2
49.3

More Statistics

Revenue (TTM) (Mil) $381.8
EPS (TTM) $ -0.08
Beta1.20
Short Percentage of Float14.80%
52-Week Range $4.56 - 14.41
Shares Outstanding (Mil)43.91
» More Articles for OFG

Headlines

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

More From Other Websites
OFG’s Oriental Launches First Mobile App for Puerto Rico Businesses May 23 2016
OFG’s Oriental Launches First Mobile App for Puerto Rico Businesses May 23 2016
OFG BANCORP Financials May 13 2016
ETF’s with exposure to OFG Bancorp : May 12, 2016 May 12 2016
OFG BANCORP Files SEC form 10-Q, Quarterly Report May 06 2016
OFG BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 02 2016
OFG Bancorp :OFG-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
Edited Transcript of OFG earnings conference call or presentation 22-Apr-16 2:00pm GMT Apr 22 2016
OFG BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Apr 22 2016
OFG reports 1Q profit Apr 22 2016
OFG reports 1Q profit Apr 22 2016
OFG Bancorp Reports 1Q16 Results Apr 22 2016
OFG Bancorp Reports 1Q16 Results Apr 22 2016
Q1 2016 OFG Bancorp Earnings Release - Before Market Open Apr 22 2016
OFG’s Oriental Cardless Cash First in Puerto Rico Apr 18 2016
OFG’s Oriental Cardless Cash First in Puerto Rico Apr 18 2016
Coverage initiated on OFG Bancorp by Piper Jaffray Apr 08 2016
Harris & Harris Group Inc. (TINY), Hallador Energy Co (HNRG) and OFG Bancorp (OFG) Register Mild... Apr 05 2016
OFG Bancorp to Report 1Q16 Results and Hold Conference Call on Friday, April 22, 2016 Mar 28 2016
OFG Bancorp to Report 1Q16 Results and Hold Conference Call on Friday, April 22, 2016 Mar 28 2016

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