OFG Bancorp Financials

OFG Stock  USD 40.63  0.23  0.56%   
Based on the analysis of OFG Bancorp's profitability, liquidity, and operating efficiency, OFG Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, OFG Bancorp's Total Stockholder Equity is most likely to increase significantly in the upcoming years. The OFG Bancorp's current Property Plant And Equipment Net is estimated to increase to about 129.9 M, while Total Assets are projected to decrease to roughly 1.2 B. Key indicators impacting OFG Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.260.2769
Notably Down
Slightly volatile
Current Ratio0.340.36
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for OFG Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor OFG Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in OFG Bancorp.

Net Income

208.08 Million

  

OFG Bancorp Stock Summary

OFG Bancorp competes with Popular, First Bancshares,, First Commonwealth, First Bancorp, and Home Federal. OFG Bancorp, a financial holding company, provides a range of banking and financial services. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico. OFG Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 2247 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINPR67103X1020
CUSIP67103X102 68618W100
LocationPuerto Rico
Business Address254 Muoz Rivera
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ofgbancorp.com
Phone787 771 6800
CurrencyUSD - US Dollar

OFG Bancorp Key Financial Ratios

OFG Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets9.8B9.9B9.8B11.3B1.3B1.2B
Other Current Liab4.6B5.2B5.2B6.1B7.0B7.3B
Net Debt(2.0B)(1.9B)(496.1M)(523.4M)(40.6M)(42.6M)
Retained Earnings300.1M399.9M516.4M639.3M772.0M810.6M
Cash2.2B2.0B550.5M748.2M40.6M38.5M
Other Assets6.3B6.0B5.5B694.7M1.2B1.2B
Net Receivables144.4M181.9M152.7M71.4M71.7M61.6M
Total Liab134.9M95.1M8.8B10.2B10.2B10.8B
Total Current Assets2.7B2.7B2.1B73.1M40.6M38.5M
Short Term Debt38.8M37.7M35.9M8.3M9.5M9.1M
Other Liab2.7M728K798K867K780.3K741.3K
Accounts Payable185.7M154.4M8.6B125.0M143.7M136.6M
Long Term Debt38.5M64.6M27.0M200.8M326.0M309.7M
Inventory(2.3B)(2.2B)(741.0M)628.9M566.0M594.3M
Treasury Stock(102.3M)(102.9M)(150.6M)(211.1M)(190.0M)(180.5M)
Intangible Assets93.2M85.1M78.5M70.2M85.2M89.5M
Other Current Assets2.3B2.2B767.1M63.0M56.7M53.9M
Net Tangible Assets810.4M862.0M947.0M930.6M1.1B877.9M
Long Term Debt Total913K38.5M36.9M318K286.2K271.9K
Capital Surpluse621.5M622.7M637.1M636.8M732.3M637.5M

OFG Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense64.9M41.8M33.5M88.0M161.8M83.6M
Operating Income94.8M214.6M277.6M264.5M(442.4M)(420.3M)
Ebit92.6M219.0M244.2M264.5M304.2M319.4M
Ebitda116.4M243.0M268.5M291.8M335.6M352.4M
Income Before Tax94.8M214.6M244.1M265.2M253.7M266.4M
Net Income74.3M146.2M166.2M181.9M198.2M208.1M
Income Tax Expense20.5M68.5M77.9M83.4M55.6M58.4M
Total Revenue476.3M540.6M613.8M628.6M660.9M694.0M
Gross Profit476.3M540.6M613.8M628.6M660.9M694.0M
Tax Provision20.5M68.5M77.9M83.3M55.6M43.9M
Net Interest Income408.4M407.4M482.1M552.6M588.4M442.0M
Interest Income473.3M449.2M515.6M618.4M750.3M511.5M

OFG Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.3B(131.9M)(1.5B)197.7M(32.6M)(30.9M)
Free Cash Flow(103.9M)77.0M133.5M277.8M91.8M96.4M
Depreciation23.8M23.9M24.3M27.3M26.8M28.1M
Other Non Cash Items(161.4M)(156.2M)(84.9M)13.4M(107.0M)(101.7M)
Dividends Paid20.9M21.0M30.1M41.0M75M78.8M
Capital Expenditures15.3M23.1M31.0M17.9M41.7M43.8M
Net Income74.3M146.2M166.2M181.9M198.2M208.1M
End Period Cash Flow2.2B2.0B550.5M748.2M40.6M38.5M
Investments890.9M(205.4M)(1.5B)(570.4M)(336.0M)(319.2M)
Change Receivables1.9M(23.6M)9.5M(5.8M)(5.2M)(5.0M)
Net Borrowings(264.7M)(190.1M)(39.2M)(36.5M)(42.0M)(44.1M)
Change To Netincome61.4M(117.2M)(71.0M)(7M)(8.1M)(8.5M)

OFG Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining OFG Bancorp's current stock value. Our valuation model uses many indicators to compare OFG Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across OFG Bancorp competition to find correlations between indicators driving OFG Bancorp's intrinsic value. More Info.
OFG Bancorp is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for OFG Bancorp is roughly  9.30 . At this time, OFG Bancorp's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value OFG Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

OFG Bancorp Systematic Risk

OFG Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. OFG Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on OFG Bancorp correlated with the market. If Beta is less than 0 OFG Bancorp generally moves in the opposite direction as compared to the market. If OFG Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one OFG Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of OFG Bancorp is generally in the same direction as the market. If Beta > 1 OFG Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in OFG Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various OFG Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of OFG Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.01

At this time, OFG Bancorp's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

OFG Bancorp March 19, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of OFG Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of OFG Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of OFG Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing OFG Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build OFG Bancorp's daily price indicators and compare them against related drivers.

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When running OFG Bancorp's price analysis, check to measure OFG Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OFG Bancorp is operating at the current time. Most of OFG Bancorp's value examination focuses on studying past and present price action to predict the probability of OFG Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OFG Bancorp's price. Additionally, you may evaluate how the addition of OFG Bancorp to your portfolios can decrease your overall portfolio volatility.
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