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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 1.55
OFG's Cash to Debt is ranked higher than
50% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. OFG: 1.55 )
Ranked among companies with meaningful Cash to Debt only.
OFG' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.13 Max: N/A
Current: 1.55
Equity to Asset 0.13
OFG's Equity to Asset is ranked higher than
75% of the 1337 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 10-Year Equity to Asset Range
Min: 0.04  Med: 0.08 Max: 0.13
Current: 0.13
0.04
0.13
Interest Coverage 1.59
OFG's Interest Coverage is ranked lower than
51% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. OFG: 1.59 )
Ranked among companies with meaningful Interest Coverage only.
OFG' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.43 Max: 1.59
Current: 1.59
0.03
1.59
F-Score: 5
WACC vs ROIC
14.02%
7.88%
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 (%) 20.52
OFG's Operating margin (%) is ranked lower than
72% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. OFG: 20.52 )
Ranked among companies with meaningful Operating margin (%) only.
OFG' s 10-Year Operating margin (%) Range
Min: -10.98  Med: 29.07 Max: 49.01
Current: 20.52
-10.98
49.01
Net-margin (%) 14.13
OFG's Net-margin (%) is ranked lower than
74% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. OFG: 14.13 )
Ranked among companies with meaningful Net-margin (%) only.
OFG' s 10-Year Net-margin (%) Range
Min: -8.32  Med: 28.91 Max: 49.19
Current: 14.13
-8.32
49.19
ROE (%) 4.81
OFG's ROE (%) is ranked lower than
74% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. OFG: 4.81 )
Ranked among companies with meaningful ROE (%) only.
OFG' s 10-Year ROE (%) Range
Min: -3.43  Med: 10.08 Max: 26.59
Current: 4.81
-3.43
26.59
ROA (%) 0.77
OFG's ROA (%) is ranked lower than
55% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OFG: 0.77 )
Ranked among companies with meaningful ROA (%) only.
OFG' s 10-Year ROA (%) Range
Min: -0.12  Med: 1.11 Max: 1.86
Current: 0.77
-0.12
1.86
Revenue Growth (3Y)(%) 28.30
OFG's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. OFG: 28.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.7  Med: 4.90 Max: 36.9
Current: 28.3
-20.7
36.9
EBITDA Growth (3Y)(%) 41.00
OFG's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. OFG: 41.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -66.3  Med: 9.25 Max: 137.8
Current: 41
-66.3
137.8
EPS Growth (3Y)(%) 26.60
OFG's EPS Growth (3Y)(%) is ranked higher than
81% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. OFG: 26.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OFG' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.9  Med: 5.65 Max: 139.7
Current: 26.6
-39.9
139.7
» OFG's 10-Y Financials

Financials


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

» Details

Guru Trades

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%)
John Keeley Sold Out
Columbia Wanger Sold Out
» More
Q4 2014

OFG Guru Trades in Q4 2014

John Burbank 31,545 sh (New)
Jim Simons 49,600 sh (+204.87%)
Richard Snow 575,725 sh (+77.02%)
Paul Tudor Jones 37,100 sh (-32.30%)
» More
Q1 2015

OFG Guru Trades in Q1 2015

Jim Simons 122,100 sh (+146.17%)
Richard Snow 667,725 sh (+15.98%)
John Burbank Sold Out
Paul Tudor Jones 22,700 sh (-38.81%)
» 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
OFGIP989.258.85
OFGPRB17.998.117.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD17.3510.00
OFGPRA18.4810.177.125% NonCumulative Monthly Income Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 10.04
OFG's P/E(ttm) is ranked higher than
75% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. OFG: 10.04 )
Ranked among companies with meaningful P/E(ttm) only.
OFG' s 10-Year P/E(ttm) Range
Min: 0.9  Med: 11.31 Max: 86.63
Current: 10.04
0.9
86.63
Forward P/E 7.31
OFG's Forward P/E is ranked higher than
87% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. OFG: 7.31 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.90
OFG's PE(NRI) is ranked higher than
70% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. OFG: 10.90 )
Ranked among companies with meaningful PE(NRI) only.
OFG' s 10-Year PE(NRI) Range
Min: 0.9  Med: 12.04 Max: 112.33
Current: 10.9
0.9
112.33
P/B 0.47
OFG's P/B is ranked higher than
89% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OFG: 0.47 )
Ranked among companies with meaningful P/B only.
OFG' s 10-Year P/B Range
Min: 0.11  Med: 1.02 Max: 2.74
Current: 0.47
0.11
2.74
P/S 1.10
OFG's P/S is ranked higher than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. OFG: 1.10 )
Ranked among companies with meaningful P/S only.
OFG' s 10-Year P/S Range
Min: 0.23  Med: 3.10 Max: 13.06
Current: 1.1
0.23
13.06
PFCF 2.67
OFG's PFCF is ranked higher than
82% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. OFG: 2.67 )
Ranked among companies with meaningful PFCF only.
OFG' s 10-Year PFCF Range
Min: 2.65  Med: 9.12 Max: 87.5
Current: 2.67
2.65
87.5
POCF 2.57
OFG's POCF is ranked higher than
81% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. OFG: 2.57 )
Ranked among companies with meaningful POCF only.
OFG' s 10-Year POCF Range
Min: 2.55  Med: 11.21 Max: 463.8
Current: 2.57
2.55
463.8
EV-to-EBIT 3.49
OFG's EV-to-EBIT is ranked higher than
94% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. OFG: 3.49 )
Ranked among companies with meaningful EV-to-EBIT only.
OFG' s 10-Year EV-to-EBIT Range
Min: -177.6  Med: 14.00 Max: 674.8
Current: 3.49
-177.6
674.8
PEG 0.42
OFG's PEG is ranked higher than
84% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OFG: 0.42 )
Ranked among companies with meaningful PEG only.
OFG' s 10-Year PEG Range
Min: 0.11  Med: 0.27 Max: 198.86
Current: 0.42
0.11
198.86
Shiller P/E 14.36
OFG's Shiller P/E is ranked higher than
63% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. OFG: 14.36 )
Ranked among companies with meaningful Shiller P/E only.
OFG' s 10-Year Shiller P/E Range
Min: 0.65  Med: 13.17 Max: 30.98
Current: 14.36
0.65
30.98
Days Sales Outstanding 115.85
OFG's Days Sales Outstanding is ranked lower than
79% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. OFG: 115.85 )
Ranked among companies with meaningful Days Sales Outstanding only.
OFG' s 10-Year Days Sales Outstanding Range
Min: 15.67  Med: 77.45 Max: 173.68
Current: 115.85
15.67
173.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.67
OFG's Dividend Yield is ranked higher than
81% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OFG: 4.67 )
Ranked among companies with meaningful Dividend Yield only.
OFG' s 10-Year Dividend Yield Range
Min: 0.96  Med: 2.10 Max: 29.36
Current: 4.67
0.96
29.36
Dividend Payout 0.42
OFG's Dividend Payout is ranked lower than
65% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OFG: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
OFG' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.21 Max: 2.8
Current: 0.42
0.02
2.8
Dividend growth (3y) 17.40
OFG's Dividend growth (3y) is ranked higher than
72% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OFG: 17.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
OFG' s 10-Year Dividend growth (3y) Range
Min: -34.1  Med: 13.35 Max: 30.6
Current: 17.4
-34.1
30.6
Yield on cost (5-Year) 9.89
OFG's Yield on cost (5-Year) is ranked higher than
91% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. OFG: 9.89 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OFG' s 10-Year Yield on cost (5-Year) Range
Min: 2.03  Med: 4.45 Max: 62.2
Current: 9.89
2.03
62.2
Share Buyback Rate -5.50
OFG's Share Buyback Rate is ranked lower than
67% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OFG: -5.50 )
Ranked among companies with meaningful Share Buyback Rate only.
OFG' s 10-Year Share Buyback Rate Range
Min: 6.7  Med: -2.60 Max: -23.1
Current: -5.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.54
OFG's Price/Tangible Book is ranked higher than
88% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OFG: 0.54 )
Ranked among companies with meaningful Price/Tangible Book only.
OFG' s 10-Year Price/Tangible Book Range
Min: 0.47  Med: 1.49 Max: 4.01
Current: 0.54
0.47
4.01
Price/Projected FCF 0.35
OFG's Price/Projected FCF is ranked higher than
82% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. OFG: 0.35 )
Ranked among companies with meaningful Price/Projected FCF only.
OFG' s 10-Year Price/Projected FCF Range
Min: 0.36  Med: 1.46 Max: 638
Current: 0.35
0.36
638
Price/Median PS Value 0.36
OFG's Price/Median PS Value is ranked higher than
98% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OFG: 0.36 )
Ranked among companies with meaningful Price/Median PS Value only.
OFG' s 10-Year Price/Median PS Value Range
Min: 0.34  Med: 1.21 Max: 4.72
Current: 0.36
0.34
4.72
Price/Peter Lynch Fair Value 5.29
OFG's Price/Peter Lynch Fair Value is ranked lower than
679% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. OFG: 5.29 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27  Med: 0.63 Max: 12.92
Current: 5.29
0.27
12.92
Price/Graham Number 0.34
OFG's Price/Graham Number is ranked higher than
94% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OFG: 0.34 )
Ranked among companies with meaningful Price/Graham Number only.
OFG' s 10-Year Price/Graham Number Range
Min: 0.24  Med: 0.90 Max: 4.56
Current: 0.34
0.24
4.56
Earnings Yield (Greenblatt) (%) 28.67
OFG's Earnings Yield (Greenblatt) (%) is ranked higher than
95% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OFG: 28.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OFG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 6.20 Max: 28.67
Current: 28.67
0.1
28.67
Forward Rate of Return (Yacktman) (%) -15.08
OFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. OFG: -15.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OFG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -166.5  Med: -10.20 Max: 50.6
Current: -15.08
-166.5
50.6

Business Description

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