Ofg Bancorp Stock Buy Hold or Sell Recommendation
| OFG Stock | USD 45.99 0.13 0.28% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding OFG Bancorp is 'Hold'. Macroaxis provides OFG Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding OFG positions.
Check out OFG Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide. Note, we conduct extensive research on individual companies such as OFG and provide practical buy, sell, or hold advice based on investors' constraints. OFG Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
OFG |
Execute OFG Bancorp Buy or Sell Advice
The OFG recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on OFG Bancorp. Macroaxis does not own or have any residual interests in OFG Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute OFG Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Actively responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
OFG Bancorp Trading Alerts and Improvement Suggestions
| Over 97.0% of the company shares are owned by institutional investors | |
| On 15th of October 2024 OFG Bancorp paid $ 0.25 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: Insider Selling Director Jorge Colon Sells 10,000 Shares of OFG Bancorp |
OFG Bancorp Returns Distribution Density
The distribution of OFG Bancorp's historical returns is an attempt to chart the uncertainty of OFG Bancorp's future price movements. The chart of the probability distribution of OFG Bancorp daily returns describes the distribution of returns around its average expected value. We use OFG Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of OFG Bancorp returns is essential to provide solid investment advice for OFG Bancorp.
| Mean Return | 0.07 | Value At Risk | -2.63 | Potential Upside | 2.64 | Standard Deviation | 2.43 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of OFG Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
OFG Stock Institutional Investors
| Shares | Hhg Plc | 2024-06-30 | 866.7 K | Jpmorgan Chase & Co | 2024-06-30 | 866.2 K | Wellington Management Company Llp | 2024-06-30 | 750.1 K | Northern Trust Corp | 2024-09-30 | 602.4 K | Bank Of New York Mellon Corp | 2024-06-30 | 511.5 K | Amvescap Plc. | 2024-06-30 | 509.5 K | Goldman Sachs Group Inc | 2024-06-30 | 496.9 K | Jacobs Levy Equity Management, Inc. | 2024-09-30 | 457.8 K | Arrowstreet Capital Limited Partnership | 2024-06-30 | 428.8 K | Blackrock Inc | 2024-06-30 | 6.8 M | Vanguard Group Inc | 2024-09-30 | 5.9 M |
OFG Bancorp Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 402.7M | 1.3B | (131.9M) | (1.5B) | 197.7M | 207.6M | |
| Free Cash Flow | 96.7M | (103.9M) | 77.0M | 133.5M | 277.8M | 291.7M | |
| Depreciation | 9.7M | 23.8M | 23.9M | 24.3M | 27.3M | 28.7M | |
| Other Non Cash Items | 67.0M | (161.4M) | (156.2M) | (84.9M) | 13.4M | 14.1M | |
| Dividends Paid | 20.9M | 20.9M | 21.0M | 30.1M | 41.0M | 43.1M | |
| Capital Expenditures | 13.0M | 15.3M | 23.1M | 31.0M | 17.9M | 18.7M | |
| Net Income | 53.8M | 74.3M | 146.2M | 166.2M | 181.9M | 191.0M | |
| End Period Cash Flow | 852.8M | 2.2B | 2.0B | 550.5M | 748.2M | 387.4M | |
| Investments | 732.9M | 890.9M | (205.4M) | (1.5B) | (570.4M) | (541.9M) | |
| 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 Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to OFG Bancorp or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that OFG Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a OFG stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.16 | |
β | Beta against Dow Jones | 1.94 | |
σ | Overall volatility | 2.47 | |
Ir | Information ratio | -0.02 |
OFG Bancorp Volatility Alert
OFG Bancorp currently demonstrates below-average downside deviation. It has Information Ratio of -0.02 and Jensen Alpha of -0.16. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure OFG Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact OFG Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.OFG Bancorp Fundamentals Vs Peers
Comparing OFG Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze OFG Bancorp's direct or indirect competition across all of the common fundamentals between OFG Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as OFG Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of OFG Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing OFG Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare OFG Bancorp to competition |
| Fundamentals | OFG Bancorp | Peer Average |
| Return On Equity | 0.16 | -0.31 |
| Return On Asset | 0.0179 | -0.14 |
| Profit Margin | 0.30 % | (1.27) % |
| Operating Margin | 0.43 % | (5.51) % |
| Current Valuation | 1.72 B | 16.62 B |
| Shares Outstanding | 45.9 M | 571.82 M |
| Shares Owned By Insiders | 1.78 % | 10.09 % |
| Shares Owned By Institutions | 96.79 % | 39.21 % |
| Number Of Shares Shorted | 356.25 K | 4.71 M |
| Price To Earning | 15.28 X | 28.72 X |
| Price To Book | 1.60 X | 9.51 X |
| Price To Sales | 3.30 X | 11.42 X |
| Revenue | 628.61 M | 9.43 B |
| Gross Profit | 589.61 M | 27.38 B |
| EBITDA | 291.82 M | 3.9 B |
| Net Income | 181.87 M | 570.98 M |
| Cash And Equivalents | 815.44 M | 2.7 B |
| Cash Per Share | 17.15 X | 5.01 X |
| Total Debt | 224.8 M | 5.32 B |
| Debt To Equity | 6.91 % | 48.70 % |
| Book Value Per Share | 28.31 X | 1.93 K |
| Cash Flow From Operations | 295.66 M | 971.22 M |
| Short Ratio | 1.00 X | 4.00 X |
| Earnings Per Share | 4.13 X | 3.12 X |
| Price To Earnings To Growth | 0.93 X | 4.89 X |
| Target Price | 49.13 | |
| Number Of Employees | 2.24 K | 18.84 K |
| Beta | 1.01 | -0.15 |
| Market Capitalization | 2.11 B | 19.03 B |
| Total Asset | 11.34 B | 29.47 B |
| Retained Earnings | 639.32 M | 9.33 B |
| Annual Yield | 0.02 % | |
| Five Year Return | 1.67 % |
Note: Disposition of 2000 shares by Jose Fernandez of OFG Bancorp subject to Rule 16b-3 [view details]
OFG Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as OFG . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About OFG Bancorp Buy or Sell Advice
When is the right time to buy or sell OFG Bancorp? Buying financial instruments such as OFG Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having OFG Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Banks - Regional Thematic Idea Now
Banks - Regional
Fama and French investing themes focus on testing asset pricing under different economic assumptions. The Banks - Regional theme has 19 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Banks - Regional Theme or any other thematic opportunities.
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Check out OFG Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.You can also try the Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OFG Bancorp. If investors know OFG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OFG Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.053 | Dividend Share 0.97 | Earnings Share 4.13 | Revenue Per Share 13.63 | Quarterly Revenue Growth (0.02) |
The market value of OFG Bancorp is measured differently than its book value, which is the value of OFG that is recorded on the company's balance sheet. Investors also form their own opinion of OFG Bancorp's value that differs from its market value or its book value, called intrinsic value, which is OFG Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OFG Bancorp's market value can be influenced by many factors that don't directly affect OFG Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between OFG Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if OFG Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OFG Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.