(OFG) OFG Bancorp - Overview
Stock: Loans, Deposits, Investments, Brokerage, Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 31.2% |
| Relative Tail Risk | -17.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.02 |
| Alpha | -15.65 |
| Character TTM | |
|---|---|
| Beta | 0.802 |
| Beta Downside | 1.192 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.56% |
| CAGR/Max DD | 0.64 |
EPS (Earnings per Share)
Revenue
Description: OFG OFG Bancorp March 05, 2026
OFG Bancorp is a financial holding company operating in the United States, specifically headquartered in San Juan, Puerto Rico. The company provides diverse banking and financial services through three segments: Banking, Wealth Management, and Treasury. Regional banks typically focus on a specific geographic area, offering personalized services to local customers and businesses.
Its Banking segment offers various deposit products, including savings accounts, CDs, IRAs, and checking accounts. It also provides a comprehensive suite of lending products, such as commercial, auto, mortgage, and consumer loans, including residential solar panel loans and credit cards. Mortgage banking services and securitization activities are also part of this segment. Banks generate revenue primarily through interest income from loans and investments, and fees for services.
The Wealth Management segment includes securities brokerage, insurance agency services, captive reinsurance, and trust services. This segment offers various investment alternatives like tax-advantaged fixed income securities, mutual funds, stocks, and bonds to both retail and institutional clients. Wealth management services aim to help clients grow and preserve their assets.
The Treasury segment manages the companys investment portfolio, which includes mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. This segment also handles asset/liability management, including investment security transactions, interest rate risk management, derivatives, and borrowings. For further detailed analysis of OFGs financial performance and market position, consider exploring ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 205.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: -1087 % < 20% (prev -803.0%; Δ -283.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 217.7m > Net Income 205.1m |
| Net Debt (-459.9m) to EBITDA (285.2m): -1.61 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (47.4m) vs 12m ago 2.42% < -2% |
| Gross Margin: 71.24% > 18% (prev 0.70%; Δ 7054 % > 0.5%) |
| Asset Turnover: 7.20% > 50% (prev 7.15%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 1.08 > 6 (EBITDA TTM 285.2m / Interest Expense TTM 172.5m) |
Altman Z'' -4.50
| A: -0.75 (Total Current Assets 1.22b - Total Current Liabilities 10.60b) / Total Assets 12.47b |
| B: 0.07 (Retained Earnings 904.6m / Total Assets 12.47b) |
| C: 0.02 (EBIT TTM 186.7m / Avg Total Assets 11.98b) |
| D: 0.09 (Book Value of Equity 947.6m / Total Liabilities 11.08b) |
| Altman-Z'' Score: -4.50 = D |
Beneish M -1.91
| DSRI: 2.16 (Receivables 162.0m/71.7m, Revenue 862.6m/822.8m) |
| GMI: 0.99 (GM 71.24% / 70.33%) |
| AQI: 1.24 (AQ_t 0.89 / AQ_t-1 0.72) |
| SGI: 1.05 (Revenue 862.6m / 822.8m) |
| TATA: -0.00 (NI 205.1m - CFO 217.7m) / TA 12.47b) |
| Beneish M-Score: -1.91 (Cap -4..+1) = B |
What is the price of OFG shares?
Over the past week, the price has changed by -2.20%, over one month by -4.25%, over three months by -2.57% and over the past year by -0.57%.
Is OFG a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the OFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.4 | 13.3% |
| Analysts Target Price | 44.4 | 13.3% |
OFG Fundamental Data Overview March 06, 2026
P/E Forward = 7.3855
P/S = 2.7842
P/B = 1.2479
P/EG = 0.9233
Revenue TTM = 862.6m USD
EBIT TTM = 186.7m USD
EBITDA TTM = 285.2m USD
Long Term Debt = 400.0m USD (from longTermDebt, last quarter)
Short Term Debt = 100.7m USD (from shortTermDebt, last quarter)
Debt = 580.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -459.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.28b USD (1.74b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 6.41x (Enterprise Value 1.28b / FCF TTM 199.3m)
FCF Yield = 15.61% (FCF TTM 199.3m / Enterprise Value 1.28b)
FCF Margin = 23.11% (FCF TTM 199.3m / Revenue TTM 862.6m)
Net Margin = 23.78% (Net Income TTM 205.1m / Revenue TTM 862.6m)
Gross Margin = 71.24% ((Revenue TTM 862.6m - Cost of Revenue TTM 248.1m) / Revenue TTM)
Gross Margin QoQ = 80.56% (prev 65.99%)
Tobins Q-Ratio = 0.10 (Enterprise Value 1.28b / Total Assets 12.47b)
Interest Expense / Debt = 7.66% (Interest Expense 44.5m / Debt 580.5m)
Taxrate = 12.39% (29.0m / 234.1m)
NOPAT = 163.6m (EBIT 186.7m * (1 - 12.39%))
Current Ratio = 0.12 (Total Current Assets 1.22b / Total Current Liabilities 10.60b)
Debt / Equity = 0.42 (Debt 580.5m / totalStockholderEquity, last quarter 1.39b)
Debt / EBITDA = -1.61 (Net Debt -459.9m / EBITDA 285.2m)
Debt / FCF = -2.31 (Net Debt -459.9m / FCF TTM 199.3m)
Total Stockholder Equity = 1.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.71% (Net Income 205.1m / Total Assets 12.47b)
RoE = 15.21% (Net Income TTM 205.1m / Total Stockholder Equity 1.35b)
RoCE = 10.68% (EBIT 186.7m / Capital Employed (Equity 1.35b + L.T.Debt 400.0m))
RoIC = 9.32% (NOPAT 163.6m / Invested Capital 1.76b)
WACC = 8.33% (E(1.74b)/V(2.32b) * Re(8.87%) + D(580.5m)/V(2.32b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 80.19% ; FCFF base≈203.9m ; Y1≈251.5m ; Y5≈428.4m
[DCF] Fair Price = 168.3 (EV 6.79b - Net Debt -459.9m = Equity 7.25b / Shares 43.1m; r=8.33% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 91.56 | EPS CAGR: 14.67% | SUE: 2.06 | # QB: 1
Revenue Correlation: 94.10 | Revenue CAGR: 15.60% | SUE: 2.60 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.08 | Chg7d=+0.000 | Chg30d=-0.004 | Revisions Net=-1 | Analysts=5
EPS current Year (2026-12-31): EPS=4.26 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=-3 | Growth EPS=-6.9% | Growth Revenue=-1.3%
EPS next Year (2027-12-31): EPS=4.55 | Chg7d=+0.000 | Chg30d=-0.050 | Revisions Net=-3 | Growth EPS=+6.8% | Growth Revenue=+1.8%
[Analyst] Revisions Ratio: -0.33 (1 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.5% (Discount Rate 8.9% - Earnings Yield 11.4%)
[Growth] Growth Spread = +1.2% (Analyst -1.3% - Implied -2.5%)