OFG Bancorp Valuation
| OFG Stock | USD 40.63 0.23 0.56% |
At this time, the company appears to be undervalued. OFG Bancorp holds a recent Real Value of $45.29 per share. The prevailing price of the company is $40.63. Our model determines the value of OFG Bancorp from evaluating the company fundamentals such as operating margin of 0.38 %, and Return On Equity of 0.16 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting OFG Bancorp's valuation include:
Price Book 1.4707 | Enterprise Value | Price Sales 2.9467 | Trailing PE 9.6596 | Enterprise Value Revenue 3.3167 |
Undervalued
Today
Please note that OFG Bancorp's price fluctuation is very steady at this time. Calculation of the real value of OFG Bancorp is based on 3 months time horizon. Increasing OFG Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the OFG stock is determined by what a typical buyer is willing to pay for full or partial control of OFG Bancorp. Since OFG Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of OFG Stock. However, OFG Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 40.63 | Real 45.29 | Target 49.38 | Hype 40.63 | Naive 40.77 |
The real value of OFG Stock, also known as its intrinsic value, is the underlying worth of OFG Bancorp Company, which is reflected in its stock price. It is based on OFG Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of OFG Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of OFG Bancorp helps investors to forecast how OFG stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of OFG Bancorp more accurately as focusing exclusively on OFG Bancorp's fundamentals will not take into account other important factors: When choosing an evaluation method for OFG Bancorp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
OFG Bancorp Cash |
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OFG Valuation Trend
Comparing OFG Bancorp's enterprise value against its market capitalization is a good way to estimate the value of OFG Bancorp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
OFG Revenue by Product
OFG Bancorp Total Value Analysis
OFG Bancorp is now forecasted to have company total value of 1.68 B with market capitalization of 1.85 B, debt of 347.34 M, and cash on hands of 815.44 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the OFG Bancorp fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.68 B | 1.85 B | 347.34 M | 815.44 M |
OFG Bancorp Investor Information
About 96.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.47. 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 March 2025. The firm had 11:10 split on the 29th of December 2004. 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.OFG Bancorp Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. OFG Bancorp has an asset utilization ratio of 52.08 percent. This implies that the Company is making $0.52 for each dollar of assets. An increasing asset utilization means that OFG Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.OFG Bancorp Ownership Allocation
OFG Bancorp owns a total of 45.39 Million outstanding shares. The majority of OFG Bancorp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in OFG Bancorp to benefit from reduced commissions. Thus, institutional investors are subject to a different set of regulations than regular investors in OFG Bancorp. Please pay attention to any change in the institutional holdings of OFG Bancorp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.OFG Bancorp Profitability Analysis
The company reported the last year's revenue of 660.94 M. Total Income to common stockholders was 198.17 M with profit before taxes, overhead, and interest of 629.44 M.OFG Bancorp Past Distributions to stockholders
| 15th of January 2025 | ||
| 15th of October 2024 | ||
| 15th of July 2024 | ||
| 15th of April 2024 | ||
| 16th of January 2024 | ||
| 16th of October 2023 | ||
| 17th of July 2023 | ||
| 17th of April 2023 | ||
| 31st of March 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates OFG Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in OFG Bancorp and how it compares across the competition.
About OFG Bancorp Valuation
The stock valuation mechanism determines OFG Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of OFG Bancorp. We calculate exposure to OFG Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of OFG Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 660.9 M | 694 M | |
| Pretax Profit Margin | 0.38 | 0.30 | |
| Operating Profit Margin | (0.67) | (0.64) | |
| Net Profit Margin | 0.30 | 0.16 | |
| Gross Profit Margin | 0.99 | 1.01 |
OFG Bancorp Quarterly Retained Earnings |
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A single share of OFG Bancorp represents a small ownership stake in the entity. As a stockholder of OFG, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
OFG Bancorp Dividends Analysis For Valuation
At this time, OFG Bancorp's Dividend Payout Ratio is most likely to increase slightly in the upcoming years. . At this time, OFG Bancorp's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 75 M | 78.8 M | |
| Dividend Yield | 0.04 | 0.05 | |
| Dividend Payout Ratio | 0.38 | 0.40 | |
| Dividend Paid And Capex Coverage Ratio | 1.22 | 1.08 |
There are various types of dividends OFG Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of OFG shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from OFG Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When OFG pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of OFG Bancorp by the value of the dividends paid out.
OFG Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as OFG Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 46.6 M | |
| Quarterly Earnings Growth Y O Y | 0.102 |
OFG Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of OFG Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value OFG we look at many different elements of the entity such as OFG's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as OFG Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use OFG Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes OFG Bancorp's worth.Complementary Tools for OFG Stock analysis
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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