Is OFG Bancorp Stock a Good Investment?
OFG Bancorp Investment Advice | OFG |
- Examine OFG Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research OFG Bancorp's leadership team and their track record. Good management can help OFG Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact OFG Bancorp's business and its evolving consumer preferences.
- Compare OFG Bancorp's performance and market position to its competitors. Analyze how OFG Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if OFG Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about OFG Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in OFG Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if OFG Bancorp is a good investment.
Sell | Buy |
Strong 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 |
Examine OFG Bancorp Stock
Researching OFG Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 97.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.58. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. OFG Bancorp has Price/Earnings To Growth (PEG) ratio of 0.93. The entity last dividend was issued on the 31st of December 2024. The firm had 11:10 split on the 29th of December 2004.
To determine if OFG Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding OFG Bancorp's research are outlined below:
| 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 uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in OFG Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to OFG Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 18th of April 2024 Upcoming Quarterly Report | View | |
| 18th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 22nd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact OFG Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises OFG Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2006-11-01 | 2006-09-30 | 0.06 | 0.05 | -0.01 | 16 | ||
2017-07-21 | 2017-06-30 | 0.27 | 0.3 | 0.03 | 11 | ||
2014-10-23 | 2014-09-30 | 0.38 | 0.34 | -0.04 | 10 | ||
2001-04-01 | 2001-03-31 | 0.15 | 0.19 | 0.04 | 26 | ||
2001-01-22 | 2000-12-31 | 0.14 | 0.1 | -0.04 | 28 | ||
2019-10-21 | 2019-09-30 | 0.43 | 0.48 | 0.05 | 11 | ||
2018-07-20 | 2018-06-30 | 0.3 | 0.35 | 0.05 | 16 | ||
2015-10-23 | 2015-09-30 | 0.08 | 0.03 | -0.05 | 62 |
Know OFG Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as OFG Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading OFG Bancorp backward and forwards among themselves. OFG Bancorp's institutional investor refers to the entity that pools money to purchase OFG Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| 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's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 2.11 B.Market Cap |
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OFG Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.02 | 0.01 | |
| Return On Equity | 0.15 | 0.12 |
Determining OFG Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if OFG Bancorp is a good buy. For example, gross profit margin measures OFG Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of OFG Bancorp's profitability and make more informed investment decisions.
Evaluate OFG Bancorp's management efficiency
OFG Bancorp has Return on Asset of 0.0179 % which means that on every $100 spent on assets, it made $0.0179 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1611 %, implying that it generated $0.1611 on every 100 dollars invested. OFG Bancorp's management efficiency ratios could be used to measure how well OFG Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.02. At this time, OFG Bancorp's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The OFG Bancorp's current Intangible Assets is estimated to increase to about 73.7 M, while Total Current Assets are projected to decrease to roughly 69.5 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 25.25 | 21.44 | |
| Tangible Book Value Per Share | 21.99 | 12.15 | |
| Enterprise Value Over EBITDA | 4.28 | 2.39 | |
| Price Book Value Ratio | 1.48 | 1.72 | |
| Enterprise Value Multiple | 4.28 | 2.39 | |
| Price Fair Value | 1.48 | 1.72 | |
| Enterprise Value | 1.1 B | 1.2 B |
The strategic decisions made by OFG Bancorp management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield 0.022 | Forward Dividend Yield 0.022 | Forward Dividend Rate 1 | Beta 1.015 |
Basic technical analysis of OFG Stock
As of the 1st of December, OFG Bancorp holds the semi deviation of 2.07, and Risk Adjusted Performance of 0.0171. In respect to fundamental indicators, the technical analysis model allows you to check helpful technical drivers of OFG Bancorp, as well as the relationship between them. Please check OFG Bancorp information ratio, as well as the relationship between the value at risk and expected short fall to decide if OFG Bancorp is priced fairly, providing market reflects its current price of 45.42 per share. Given that OFG Bancorp has jensen alpha of (0.23), we recommend you to check out OFG Bancorp's recent market performance to make sure the company can sustain itself in the future.OFG Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific OFG Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on OFG Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases OFG Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
OFG Bancorp's Outstanding Corporate Bonds
OFG Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. OFG Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most OFG bonds can be classified according to their maturity, which is the date when OFG Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| HSBC Holdings PLC Corp BondUS404280DR76 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View |
Understand OFG Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing OFG Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0171 | |||
| Market Risk Adjusted Performance | 0.0215 | |||
| Mean Deviation | 1.49 | |||
| Semi Deviation | 2.07 | |||
| Downside Deviation | 2.14 | |||
| Coefficient Of Variation | 7476.82 | |||
| Standard Deviation | 2.43 | |||
| Variance | 5.91 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.23) | |||
| Total Risk Alpha | (0.38) | |||
| Sortino Ratio | (0.05) | |||
| Treynor Ratio | 0.0115 | |||
| Maximum Drawdown | 17.6 | |||
| Value At Risk | (2.63) | |||
| Potential Upside | 2.64 | |||
| Downside Variance | 4.57 | |||
| Semi Variance | 4.27 | |||
| Expected Short fall | (1.67) | |||
| Skewness | 1.51 | |||
| Kurtosis | 11.68 |
| Risk Adjusted Performance | 0.0171 | |||
| Market Risk Adjusted Performance | 0.0215 | |||
| Mean Deviation | 1.49 | |||
| Semi Deviation | 2.07 | |||
| Downside Deviation | 2.14 | |||
| Coefficient Of Variation | 7476.82 | |||
| Standard Deviation | 2.43 | |||
| Variance | 5.91 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.23) | |||
| Total Risk Alpha | (0.38) | |||
| Sortino Ratio | (0.05) | |||
| Treynor Ratio | 0.0115 | |||
| Maximum Drawdown | 17.6 | |||
| Value At Risk | (2.63) | |||
| Potential Upside | 2.64 | |||
| Downside Variance | 4.57 | |||
| Semi Variance | 4.27 | |||
| Expected Short fall | (1.67) | |||
| Skewness | 1.51 | |||
| Kurtosis | 11.68 |
Consider OFG Bancorp's intraday indicators
OFG Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of OFG Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
OFG Bancorp Corporate Filings
F4 | 27th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 6th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 22nd of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F3 | 26th of September 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
OFG Stock media impact
Far too much social signal, news, headlines, and media speculation about OFG Bancorp that are available to investors today. That information is available publicly through OFG media outlets and privately through word of mouth or via OFG internal channels. However, regardless of the origin, that massive amount of OFG data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of OFG Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of OFG Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to OFG Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive OFG Bancorp alpha.
OFG Bancorp Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards OFG Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
OFG Bancorp Corporate Directors
| Juan Aguayo | Independent Director | Profile | |
| Edwin Perez | Independent Director | Profile | |
| Christa Steele | Independent Director | Profile | |
| Nestor Jesus | Independent Director | Profile |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in 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. 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 Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.
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.
In summary, please note that there is a difference between OFG Bancorp's value and its price, as these two are different measures arrived at by various 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.