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Also traded in: Germany, USA

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 1.24
OFG's Cash to Debt is ranked lower than
53% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. OFG: 1.24 )
Ranked among companies with meaningful Cash to Debt only.
OFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.18 Max: N/A
Current: 1.24
Equity to Asset 0.13
OFG's Equity to Asset is ranked higher than
75% of the 1578 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
F-Score: 5
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 : 5/10

vs
industry
vs
history
Operating margin (%) -5.15
OFG's Operating margin (%) is ranked lower than
95% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. OFG: -5.15 )
Ranked among companies with meaningful Operating margin (%) only.
OFG' s Operating margin (%) Range Over the Past 10 Years
Min: -10.98  Med: 20.37 Max: 36.84
Current: -5.15
-10.98
36.84
Net-margin (%) -0.64
OFG's Net-margin (%) is ranked lower than
94% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. OFG: -0.64 )
Ranked among companies with meaningful Net-margin (%) only.
OFG' s Net-margin (%) Range Over the Past 10 Years
Min: -8.32  Med: 19.87 Max: 35.5
Current: -0.64
-8.32
35.5
ROE (%) -1.78
OFG's ROE (%) is ranked lower than
94% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. OFG: -1.78 )
Ranked among companies with meaningful ROE (%) only.
OFG' s ROE (%) Range Over the Past 10 Years
Min: -3.43  Med: 6.13 Max: 10.48
Current: -1.78
-3.43
10.48
ROA (%) -0.03
OFG's ROA (%) is ranked lower than
93% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OFG: -0.03 )
Ranked among companies with meaningful ROA (%) only.
OFG' s ROA (%) Range Over the Past 10 Years
Min: -0.12  Med: 0.44 Max: 1.13
Current: -0.03
-0.12
1.13
Revenue Growth (3Y)(%) -100.00
OFG's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OFG: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 4.50 Max: 36.9
Current: -100
-100
36.9
EBITDA Growth (3Y)(%) -100.00
OFG's EBITDA Growth (3Y)(%) is ranked lower than
96% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. OFG: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 7.70 Max: 137.8
Current: -100
-100
137.8
EPS Growth (3Y)(%) -100.00
OFG's EPS Growth (3Y)(%) is ranked lower than
96% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. OFG: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 2.50 Max: 139.7
Current: -100
-100
139.7
» OFG's 10-Y Financials

Financials


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

» Details

Guru Trades

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
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
» 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
OFGIP599.0014.61
OFGPRB17.3410.007.0% NonCumulative Monthly Income Preferred Stock, Series B
OFGPRD17.2010.18
OFGPRA17.6810.047.125% NonCumulative Monthly Income Preferred Stock, Series A

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/E(ttm) 74.46
OFG's P/E(ttm) is ranked lower than
96% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. OFG: 74.46 )
Ranked among companies with meaningful P/E(ttm) only.
OFG' s P/E(ttm) Range Over the Past 10 Years
Min: 0.9  Med: 12.31 Max: 153.62
Current: 74.46
0.9
153.62
Forward P/E 7.31
OFG's Forward P/E is ranked higher than
80% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. OFG: 7.31 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 85.67
OFG's PE(NRI) is ranked lower than
97% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. OFG: 85.67 )
Ranked among companies with meaningful PE(NRI) only.
OFG' s PE(NRI) Range Over the Past 10 Years
Min: 0.9  Med: 13.15 Max: 176.67
Current: 85.67
0.9
176.67
P/B 0.31
OFG's P/B is ranked higher than
92% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. OFG: 0.31 )
Ranked among companies with meaningful P/B only.
OFG' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.99 Max: 2.69
Current: 0.31
0.11
2.69
P/S 0.64
OFG's P/S is ranked higher than
95% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. OFG: 0.64 )
Ranked among companies with meaningful P/S only.
OFG' s P/S Range Over the Past 10 Years
Min: 0.23  Med: 2.98 Max: 13.06
Current: 0.64
0.23
13.06
PFCF 3.47
OFG's PFCF is ranked higher than
72% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. OFG: 3.47 )
Ranked among companies with meaningful PFCF only.
OFG' s PFCF Range Over the Past 10 Years
Min: 3.13  Med: 5.82 Max: 94.23
Current: 3.47
3.13
94.23
POCF 3.25
OFG's POCF is ranked higher than
72% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. OFG: 3.25 )
Ranked among companies with meaningful POCF only.
OFG' s POCF Range Over the Past 10 Years
Min: 2.97  Med: 5.83 Max: 463.8
Current: 3.25
2.97
463.8
EV-to-EBIT 7.99
OFG's EV-to-EBIT is ranked higher than
75% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. OFG: 7.99 )
Ranked among companies with meaningful EV-to-EBIT only.
OFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -177.6  Med: 13.80 Max: 668.8
Current: 7.99
-177.6
668.8
EV-to-EBITDA 5.43
OFG's EV-to-EBITDA is ranked higher than
85% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. OFG: 5.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
OFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -46  Med: 12.50 Max: 325
Current: 5.43
-46
325
Shiller P/E 6.62
OFG's Shiller P/E is ranked higher than
90% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. OFG: 6.62 )
Ranked among companies with meaningful Shiller P/E only.
OFG' s Shiller P/E Range Over the Past 10 Years
Min: 0.69  Med: 9.00 Max: 20.17
Current: 6.62
0.69
20.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.01
OFG's Dividend Yield is ranked higher than
87% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. OFG: 7.01 )
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: 7.01
0.96
29.36
Dividend Payout 3.97
OFG's Dividend Payout is ranked lower than
99% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. OFG: 3.97 )
Ranked among companies with meaningful Dividend Payout only.
OFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.23 Max: 1.7
Current: 3.97
0.15
1.7
Dividend Growth (3y) -100.00
OFG's Dividend Growth (3y) is ranked lower than
91% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. OFG: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -100  Med: 13.30 Max: 30.6
Current: -100
-100
30.6
Forward Dividend Yield 4.40
OFG's Forward Dividend Yield is ranked higher than
70% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. OFG: 4.40 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.01
OFG's Yield on cost (5-Year) is ranked higher than
78% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. OFG: 7.01 )
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: 0.96  Med: 2.18 Max: 29.36
Current: 7.01
0.96
29.36
3-Year Average Share Buyback Ratio 0.50
OFG's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. OFG: 0.50 )
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: -23.1  Med: -2.40 Max: 6.7
Current: 0.5
-23.1
6.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.36
OFG's Price/Tangible Book is ranked higher than
90% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. OFG: 0.36 )
Ranked among companies with meaningful Price/Tangible Book only.
OFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.40 Max: 4.01
Current: 0.36
0.76
4.01
Price/Projected FCF 0.21
OFG's Price/Projected FCF is ranked higher than
85% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. OFG: 0.21 )
Ranked among companies with meaningful Price/Projected FCF only.
OFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 1.47 Max: 5.2
Current: 0.21
0.36
5.2
Price/Median PS Value 0.22
OFG's Price/Median PS Value is ranked higher than
99% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. OFG: 0.22 )
Ranked among companies with meaningful Price/Median PS Value only.
OFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.08 Max: 2.72
Current: 0.22
0.37
2.72
Price/Graham Number 1.15
OFG's Price/Graham Number is ranked lower than
99.99% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. OFG: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
OFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 1.08 Max: 2.9
Current: 1.15
0.48
2.9
Earnings Yield (Greenblatt) (%) 12.53
OFG's Earnings Yield (Greenblatt) (%) is ranked higher than
77% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OFG: 12.53 )
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: 12.53
0.1
25.9
Forward Rate of Return (Yacktman) (%) -38.16
OFG's Forward Rate of Return (Yacktman) (%) is ranked lower than
96% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. OFG: -38.16 )
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: -150.3  Med: -10.25 Max: 57.8
Current: -38.16
-150.3
57.8

More Statistics

Revenue(Mil) $390
EPS $ -0.36
Beta1.24
Short Percentage of Float17.13%
52-Week Range $4.56 - 17.83
Shares Outstanding(Mil)43.87

Latest Earnings Webcast

» More Conference Calls

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
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 Bancorp Earnings Analysis: 2015 By the Numbers Feb 04 2016
Edited Transcript of OFG earnings conference call or presentation 1-Feb-16 3:00pm GMT Feb 01 2016
OFG reports 4Q loss Feb 01 2016
OFG reports 4Q loss Feb 01 2016
OFG BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Feb 01 2016
OFG Bancorp Reports 4Q15 and 2015 Results Feb 01 2016
OFG Bancorp Reports 4Q15 and 2015 Results Feb 01 2016
Q4 2015 OFG Bancorp Earnings Release - Before Market Open Feb 01 2016
OFG BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jan 29 2016
Weekly CFO Buys Highlight: OFG Bancorp, Ascena Retail Group, Hornbeck Offshore Services Jan 24 2016
OFG BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jan 22 2016
Why Are These Insiders Ignoring Stock Market Doomsayers? Jan 19 2016
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A Refreshing Outlook - Free Research on Nokia, Atmel, Chico's FAS and OFG Bancorp Dec 30 2015
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OFG Bancorp to Report 4Q15 Results and Hold Conference Call on Monday, February 1, 2016 Dec 28 2015
OFG Bancorp to Report 4Q15 Results and Hold Conference Call on Monday, February 1, 2016 Dec 28 2015
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Is Oriental Financial Group Inc. (OFG) A Good Stock To Buy? Dec 13 2015
OFG BANCORP Financials Dec 08 2015

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