NYSE:OFG (N/A) Also trade in: Germany

OFG Bancorp

$ 19.84 -0.88 (-4.25%)
Volume: 307,267 Avg Vol (1m): 379,612
Market Cap $: 1.02 Bil Enterprise Value $: -284,400,000.00
P/E (TTM): 11.53 P/B: 1.07
Earnings Power Value 25.86
Net Current Asset Value 0
Tangible Book 16.85
Projected FCF 38.8
Median P/S Value 16.37
Graham Number 25.53
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 4.88
Cash-To-Debt range over the past 10 years
Min: 0.03, Med: 0.23, Max: 5.29
Current: 4.88
0.03
5.29
Equity-to-Asset 0.16
Equity-to-Asset range over the past 10 years
Min: 0.04, Med: 0.08, Max: 0.16
Current: 0.16
0.04
0.16
Debt-to-Equity 0.13
Debt-to-Equity range over the past 10 years
Min: 0.09, Med: 1, Max: 6.21
Current: 0.13
0.09
6.21
Debt-to-EBITDA 0.34
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.34
Current: 0.34
0
0.34
Beneish M-Score -2.46
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 12.05%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 23.11
Net Margin range over the past 10 years
Min: -0.61, Med: 14.46, Max: 23.13
Current: 23.11
-0.61
23.13
ROE % 8.71
ROE range over the past 10 years
Min: -3.43, Med: 4.58, Max: 9.67
Current: 8.71
-3.43
9.67
ROA % 1.45
ROA range over the past 10 years
Min: -0.03, Med: 0.66, Max: 1.45
Current: 1.45
-0.03
1.45
3-Year Total Revenue Growth Rate -1.40
3-Year Revenue Growth Rate range over the past 10 years
Min: -18.4, Med: 7.35, Max: 53.7
Current: -1.3
-18.4
53.7

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.53
PE Ratio range over the past 10 years
Min: 0.89, Med: 13.54, Max: 1299
Current: 11.53
0.89
1299
PE Ratio without NRI 11.53
PE without NRI range over the past 10 years
Min: 0.89, Med: 13.54, Max: 1299
Current: 11.53
0.89
1299
Price-to-Owner-Earnings 9.74
Price-to-Owner-Earnings range over the past 10 years
Min: 1.72, Med: 9.83, Max: 99.69
Current: 9.74
1.72
99.69
PB Ratio 1.07
PB Ratio range over the past 10 years
Min: 0.11, Med: 0.82, Max: 2.69
Current: 1.07
0.11
2.69
PS Ratio 2.49
PS Ratio range over the past 10 years
Min: 0.15, Med: 2.05, Max: 3.51
Current: 2.49
0.15
3.51
Price-to-Free-Cash-Flow 9.76
Price-to-Free-Cash-Flow range over the past 10 years
Min: 2.91, Med: 6.54, Max: 96.46
Current: 9.76
2.91
96.46
Price-to-Operating-Cash-Flow 8.60
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 2.76, Med: 6.08, Max: 64.14
Current: 8.6
2.76
64.14
EV-to-Revenue -0.69
EV-to-Revenue range over the past 10 years
Min: -1.3, Med: 2, Max: 10.1
Current: -0.69
-1.3
10.1
Shiller PE Ratio 35.07
Shiller PE Ratio range over the past 10 years
Min: 0.71, Med: 10.71, Max: 42.21
Current: 35.07
0.71
42.21

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.36
Trailing Dividend Yield range over the past 10 years
Min: 0.96, Med: 1.87, Max: 42.2
Current: 1.36
0.96
42.2
Dividend Payout Ratio 0.16
Dividend Payout Ratio range over the past 10 years
Min: 0.15, Med: 0.23, Max: 0.69
Current: 0.16
0.15
0.69
3-Year Dividend Growth Rate (Per Share) -11.40
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 8.1, Max: 178.8
Current: -11.4
0
178.8
Forward Dividend Yield % 1.41
N/A
Yield-on-Cost (5-Year) % 1.09
Yield-on-Cost (5y) range over the past 10 years
Min: 0.76, Med: 1.49, Max: 33.35
Current: 1.09
0.76
33.35
3-Year Share Buyback Rate -0.10
3-Year Share Buyback Rate range over the past 10 years
Min: -24.3, Med: -1.9, Max: 2.9
Current: -0.1
-24.3
2.9

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.18
Price-to-Tangible-Book range over the past 10 years
Min: 0.47, Med: 1.18, Max: 3.95
Current: 1.18
0.47
3.95
Price-to-Projected-FCF 0.51
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.2, Med: 1.12, Max: 18.15
Current: 0.51
0.2
18.15
Price-to-Median-PS-Value 1.21
Price-to-Median-PS-Value range over the past 10 years
Min: 0.34, Med: 1.63, Max: 19.7
Current: 1.21
0.34
19.7
Price-to-Graham-Number 0.78
Price-to-Graham-Number range over the past 10 years
Min: 0.29, Med: 1.01, Max: 7.24
Current: 0.78
0.29
7.24

» OFG's 30-Y Financials

Financials (Next Earnings Date: 2019-10-18)

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Business Description

Industry Banks » Banks    NAICS : 522110    SIC : 0
Compare NYSE:FBK NAS:SRCE NAS:TCBK NAS:BRKL AMEX:TMP NAS:EFSC NYSE:NBHC NAS:LKFN NAS:SBSI NAS:FBNC NAS:CHCO NAS:SASR OTCPK:FMBL NAS:STBA NAS:HFWA NYSE:FCF NAS:RBCAA NAS:VBTX NAS:SBCF NAS:BPFH
Traded in other countries OFP.Germany
Address 254 Muñoz Rivera Avenue, San Juan, PRI, 00918
OFG Bancorp through its subsidiaries provides commercial, consumer and mortgage lending, leasing, auto loans, financial planning, insurance sales, money management and investment banking, brokerage services, and corporate and individual trust services.

More Statistics

Revenue (TTM) (Mil) $ 412.29
EPS (TTM) $ 1.72
Beta 1.49
Volatility % 36.49
52-Week Range $ 14.42 - 24.95
Shares Outstanding (Mil) 51.35

Analyst Estimate

Piotroski F-Score Details