OFG Bancorp Financials
OFG Stock | USD 40.63 0.23 0.56% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 0.26 | 0.2769 |
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Current Ratio | 0.34 | 0.36 |
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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 |
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OFG | Select Account or Indicator |
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 |
Instrument | USA Stock View All |
Exchange | New York Stock Exchange |
ISIN | PR67103X1020 |
CUSIP | 67103X102 68618W100 |
Location | Puerto Rico |
Business Address | 254 Muoz Rivera |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.ofgbancorp.com |
Phone | 787 771 6800 |
Currency | USD - US Dollar |
OFG Bancorp Key Financial Ratios
Return On Equity | 0.16 | ||||
Profit Margin | 0.31 % | ||||
Operating Margin | 0.38 % | ||||
Price To Sales | 2.95 X | ||||
Revenue | 660.94 M |
OFG Bancorp Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 9.8B | 9.9B | 9.8B | 11.3B | 1.3B | 1.2B | |
Other Current Liab | 4.6B | 5.2B | 5.2B | 6.1B | 7.0B | 7.3B | |
Net Debt | (2.0B) | (1.9B) | (496.1M) | (523.4M) | (40.6M) | (42.6M) | |
Retained Earnings | 300.1M | 399.9M | 516.4M | 639.3M | 772.0M | 810.6M | |
Cash | 2.2B | 2.0B | 550.5M | 748.2M | 40.6M | 38.5M | |
Other Assets | 6.3B | 6.0B | 5.5B | 694.7M | 1.2B | 1.2B | |
Net Receivables | 144.4M | 181.9M | 152.7M | 71.4M | 71.7M | 61.6M | |
Total Liab | 134.9M | 95.1M | 8.8B | 10.2B | 10.2B | 10.8B | |
Total Current Assets | 2.7B | 2.7B | 2.1B | 73.1M | 40.6M | 38.5M | |
Short Term Debt | 38.8M | 37.7M | 35.9M | 8.3M | 9.5M | 9.1M | |
Other Liab | 2.7M | 728K | 798K | 867K | 780.3K | 741.3K | |
Accounts Payable | 185.7M | 154.4M | 8.6B | 125.0M | 143.7M | 136.6M | |
Long Term Debt | 38.5M | 64.6M | 27.0M | 200.8M | 326.0M | 309.7M | |
Inventory | (2.3B) | (2.2B) | (741.0M) | 628.9M | 566.0M | 594.3M | |
Treasury Stock | (102.3M) | (102.9M) | (150.6M) | (211.1M) | (190.0M) | (180.5M) | |
Intangible Assets | 93.2M | 85.1M | 78.5M | 70.2M | 85.2M | 89.5M | |
Other Current Assets | 2.3B | 2.2B | 767.1M | 63.0M | 56.7M | 53.9M | |
Net Tangible Assets | 810.4M | 862.0M | 947.0M | 930.6M | 1.1B | 877.9M | |
Long Term Debt Total | 913K | 38.5M | 36.9M | 318K | 286.2K | 271.9K | |
Capital Surpluse | 621.5M | 622.7M | 637.1M | 636.8M | 732.3M | 637.5M |
OFG Bancorp Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Interest Expense | 64.9M | 41.8M | 33.5M | 88.0M | 161.8M | 83.6M | |
Operating Income | 94.8M | 214.6M | 277.6M | 264.5M | (442.4M) | (420.3M) | |
Ebit | 92.6M | 219.0M | 244.2M | 264.5M | 304.2M | 319.4M | |
Ebitda | 116.4M | 243.0M | 268.5M | 291.8M | 335.6M | 352.4M | |
Income Before Tax | 94.8M | 214.6M | 244.1M | 265.2M | 253.7M | 266.4M | |
Net Income | 74.3M | 146.2M | 166.2M | 181.9M | 198.2M | 208.1M | |
Income Tax Expense | 20.5M | 68.5M | 77.9M | 83.4M | 55.6M | 58.4M | |
Total Revenue | 476.3M | 540.6M | 613.8M | 628.6M | 660.9M | 694.0M | |
Gross Profit | 476.3M | 540.6M | 613.8M | 628.6M | 660.9M | 694.0M | |
Tax Provision | 20.5M | 68.5M | 77.9M | 83.3M | 55.6M | 43.9M | |
Net Interest Income | 408.4M | 407.4M | 482.1M | 552.6M | 588.4M | 442.0M | |
Interest Income | 473.3M | 449.2M | 515.6M | 618.4M | 750.3M | 511.5M |
OFG Bancorp Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Change In Cash | 1.3B | (131.9M) | (1.5B) | 197.7M | (32.6M) | (30.9M) | |
Free Cash Flow | (103.9M) | 77.0M | 133.5M | 277.8M | 91.8M | 96.4M | |
Depreciation | 23.8M | 23.9M | 24.3M | 27.3M | 26.8M | 28.1M | |
Other Non Cash Items | (161.4M) | (156.2M) | (84.9M) | 13.4M | (107.0M) | (101.7M) | |
Dividends Paid | 20.9M | 21.0M | 30.1M | 41.0M | 75M | 78.8M | |
Capital Expenditures | 15.3M | 23.1M | 31.0M | 17.9M | 41.7M | 43.8M | |
Net Income | 74.3M | 146.2M | 166.2M | 181.9M | 198.2M | 208.1M | |
End Period Cash Flow | 2.2B | 2.0B | 550.5M | 748.2M | 40.6M | 38.5M | |
Investments | 890.9M | (205.4M) | (1.5B) | (570.4M) | (336.0M) | (319.2M) | |
Change Receivables | 1.9M | (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 Netincome | 61.4M | (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 |
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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.
Information Ratio | (0.02) | |||
Maximum Drawdown | 8.39 | |||
Value At Risk | (3.55) | |||
Potential Upside | 2.07 |
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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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