(OFG) OFG Bancorp - Ratings and Ratios
Commercial Loans, Consumer Loans, Mortgage, Credit Cards, Insurance
OFG EPS (Earnings per Share)
OFG Revenue
Description: OFG OFG Bancorp
OFG Bancorp (NYSE:OFG) is a regional bank holding company listed on the New York Stock Exchange. As a regional bank, its performance is closely tied to the overall health of the US economy, particularly interest rates and the housing market.
The companys stock has a market capitalization of approximately $1.955 billion, with a price-to-earnings ratio of 10.28, indicating a relatively undervalued stock compared to its earnings. The return on equity (RoE) stands at 14.97%, suggesting a strong ability to generate profits from shareholders equity.
Key drivers for OFG Bancorps performance include net interest income, which is influenced by interest rates and the banks ability to manage its asset and liability mix. Other important KPIs include the banks efficiency ratio, return on assets (RoA), and the ratio of non-performing assets to total assets. The banks exposure to the US housing market, through mortgage lending and other related activities, also plays a significant role in its overall performance.
Economic indicators such as GDP growth, unemployment rates, and the overall direction of interest rates will be crucial in determining the banks future prospects. A rising interest rate environment can boost net interest margins, while a declining rate environment may pressure margins. Additionally, regulatory changes and the competitive landscape within the regional banking sector will also impact OFG Bancorps strategic positioning and financial performance.
OFG Stock Overview
| Market Cap in USD | 1,845m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1990-03-28 |
OFG Stock Ratings
| Growth Rating | 64.3% |
| Fundamental | 63.3% |
| Dividend Rating | 77.7% |
| Return 12m vs S&P 500 | -11.6% |
| Analyst Rating | 4.0 of 5 |
OFG Dividends
| Dividend Yield 12m | 2.79% |
| Yield on Cost 5y | 9.25% |
| Annual Growth 5y | 37.47% |
| Payout Consistency | 86.2% |
| Payout Ratio | 27.1% |
OFG Growth Ratios
| Growth Correlation 3m | 3% |
| Growth Correlation 12m | 32.2% |
| Growth Correlation 5y | 94.4% |
| CAGR 5y | 18.15% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.74 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.44 |
| Sharpe Ratio 12m | -0.51 |
| Alpha | -19.15 |
| Beta | 0.808 |
| Volatility | 28.33% |
| Current Volume | 315k |
| Average Volume 20d | 176.4k |
| Stop Loss | 40 (-3.1%) |
| Signal | 0.05 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (194.7m TTM) > 0 and > 6% of Revenue (6% = 50.8m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.50pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -782.5% (prev -831.3%; Δ 48.76pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 215.4m > Net Income 194.7m (YES >=105%, WARN >=100%) |
| Net Debt (-321.0m) to EBITDA (259.4m) ratio: -1.24 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.35 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (45.0m) change vs 12m ago -4.45% (target <= -2.0% for YES) |
| Gross Margin 68.85% (prev 74.45%; Δ -5.59pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.21% (prev 7.06%; Δ 0.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.42 (EBITDA TTM 259.4m / Interest Expense TTM 164.8m) >= 6 (WARN >= 3) |
Altman Z'' -3.10
| (A) -0.54 = (Total Current Assets 3.55b - Total Current Liabilities 10.17b) / Total Assets 12.23b |
| (B) 0.07 = Retained Earnings (Balance) 833.2m / Total Assets 12.23b |
| (C) 0.02 = EBIT TTM 233.6m / Avg Total Assets 11.75b |
| (D) 0.09 = Book Value of Equity 1.02b / Total Liabilities 10.90b |
| Total Rating: -3.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.32
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -19.91% = -5.0 |
| 3. FCF Margin 20.80% = 5.20 |
| 4. Debt/Equity 0.40 = 2.42 |
| 5. Debt/Ebitda -1.24 = 2.50 |
| 6. ROIC - WACC (= 2.90)% = 3.62 |
| 7. RoE 14.97% = 1.25 |
| 8. Rev. Trend 94.52% = 7.09 |
| 9. EPS Trend -35.24% = -1.76 |
What is the price of OFG shares?
Over the past week, the price has changed by -0.39%, over one month by -4.84%, over three months by -8.57% and over the past year by +2.06%.
Is OFG Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OFG is around 43.60 USD . This means that OFG is currently overvalued and has a potential downside of 5.59%.
Is OFG a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the OFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 50.3 | 21.7% |
| Analysts Target Price | 50.3 | 21.7% |
| ValueRay Target Price | 48.6 | 17.6% |
Last update: 2025-10-13 02:04
OFG Fundamental Data Overview
P/E Trailing = 9.7529
P/S = 2.9789
P/B = 1.4175
P/EG = 0.93
Beta = 0.808
Revenue TTM = 846.5m USD
EBIT TTM = 233.6m USD
EBITDA TTM = 259.4m USD
Long Term Debt = 455.0m USD (from longTermDebt, last quarter)
Short Term Debt = 27.5m USD (from shortTermDebt, last quarter)
Debt = 530.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -321.0m USD (from netDebt column, last quarter)
Enterprise Value = -884.5m USD (1.85b + Debt 530.8m - CCE 3.26b)
Interest Coverage Ratio = 1.42 (Ebit TTM 233.6m / Interest Expense TTM 164.8m)
FCF Yield = -19.91% (FCF TTM 176.1m / Enterprise Value -884.5m)
FCF Margin = 20.80% (FCF TTM 176.1m / Revenue TTM 846.5m)
Net Margin = 23.00% (Net Income TTM 194.7m / Revenue TTM 846.5m)
Gross Margin = 68.85% ((Revenue TTM 846.5m - Cost of Revenue TTM 263.7m) / Revenue TTM)
Gross Margin QoQ = 71.48% (prev 68.17%)
Tobins Q-Ratio = -0.07 (set to none) (Enterprise Value -884.5m / Total Assets 12.23b)
Interest Expense / Debt = 7.99% (Interest Expense 42.4m / Debt 530.8m)
Taxrate = 21.37% (14.1m / 65.9m)
NOPAT = 183.7m (EBIT 233.6m * (1 - 21.37%))
Current Ratio = 0.35 (Total Current Assets 3.55b / Total Current Liabilities 10.17b)
Debt / Equity = 0.40 (Debt 530.8m / totalStockholderEquity, last quarter 1.33b)
Debt / EBITDA = -1.24 (Net Debt -321.0m / EBITDA 259.4m)
Debt / FCF = -1.82 (Net Debt -321.0m / FCF TTM 176.1m)
Total Stockholder Equity = 1.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 194.7m / Total Assets 12.23b)
RoE = 14.97% (Net Income TTM 194.7m / Total Stockholder Equity 1.30b)
RoCE = 13.31% (EBIT 233.6m / Capital Employed (Equity 1.30b + L.T.Debt 455.0m))
RoIC = 11.28% (NOPAT 183.7m / Invested Capital 1.63b)
WACC = 8.39% (E(1.85b)/V(2.38b) * Re(8.99%) + D(530.8m)/V(2.38b) * Rd(7.99%) * (1-Tc(0.21)))
Discount Rate = 8.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.51%
[DCF Debug] Terminal Value 78.43% ; FCFE base≈238.2m ; Y1≈293.8m ; Y5≈501.3m
Fair Price DCF = 160.5 (DCF Value 7.15b / Shares Outstanding 44.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -35.24 | EPS CAGR: -57.97% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.52 | Revenue CAGR: 14.96% | SUE: 0.86 | # QB: 1
Additional Sources for OFG Stock
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Fund Manager Positions: Dataroma | Stockcircle