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Overview
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OFG Bancorp stock

OFG
PR67103X1020
A1T9X8

Price

45.52
Today +/-
+1.07
Today %
+2.47 %

OFG Bancorp stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the OFG Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the OFG Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the OFG Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze OFG Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

OFG Bancorp Stock Price History

DateOFG Bancorp Price
11/22/202445.52 undefined
11/21/202444.41 undefined
11/20/202443.44 undefined
11/19/202443.44 undefined
11/18/202443.46 undefined
11/15/202443.77 undefined
11/14/202444.10 undefined
11/13/202445.33 undefined
11/12/202444.89 undefined
11/11/202444.93 undefined
11/8/202444.36 undefined
11/7/202443.99 undefined
11/6/202446.31 undefined
11/5/202441.13 undefined
11/4/202440.46 undefined
11/1/202440.81 undefined
10/31/202440.27 undefined
10/30/202440.80 undefined
10/29/202440.30 undefined
10/28/202440.63 undefined

OFG Bancorp Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into OFG Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by OFG Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects OFG Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of OFG Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into OFG Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing OFG Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on OFG Bancorp’s growth potential.

OFG Bancorp Revenue, EBIT and net profit per share

DateOFG Bancorp RevenueOFG Bancorp Net Income
2026e626.31 M undefined197.61 M undefined
2025e599.3 M undefined183.23 M undefined
2024e593.22 M undefined190.54 M undefined
2023777.26 M undefined181.87 M undefined
2022647.26 M undefined166.24 M undefined
20210 undefined144.9 M undefined
20200 undefined67.8 M undefined
20190 undefined47.3 M undefined
20180 undefined72.4 M undefined
20170 undefined38.8 M undefined
20160 undefined45.3 M undefined
20150 undefined-16.4 M undefined
20140 undefined71.3 M undefined
20130 undefined84.6 M undefined
20120 undefined14.6 M undefined
20110 undefined29.6 M undefined
20100 undefined-18.2 M undefined
20090 undefined18.1 M undefined
20080 undefined22 M undefined
20070 undefined36.5 M undefined
20060 undefined-9.9 M undefined
20050 undefined54.9 M undefined
20040 undefined55.5 M undefined

OFG Bancorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
1988198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
0000000000000000000000000000000000647777593599626
-----------------------------------20.09-23.681.014.51
----------------------------------91.0475.8099.3398.3394.09
00000000000000000000000000000000005890000
000000000000000000000000000000000025303473550
---------------------------------------
-3001279121416192617636455554-9362218-1829148471-164538724767144166181190183197
----100.00250.0028.5733.3316.6714.2918.7536.84-34.62-64.71500.0025.0022.22-1.82-116.67-500.00-38.89-18.18-200.00-261.11-51.72500.00-15.48-122.54-381.25-15.5689.47-34.7242.55114.9315.289.044.97-3.687.65
---------------------------------------
---------------------------------------
14.916.315.615.9161718.122.623.122.823.222.721.921.221.822.723.925.724.624.424.324.336.744.545.35352.344.251.151.151.351.751.651.448.4447.55000
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Details

Keystats

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Revenue and Growth

The OFG Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the OFG Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (B)TOTAL CAPITAL (B)
198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                                       
0000000000000000000000000000000000550.320
000000000000000000000000000000000000
000000000000000000000000000000000000
000000000000000000000000000000000015.830
0000000000000000000000000000000000186.630
0000000000000000000000000000000000752.780
16.12020.82123.623.827.419.321.119.621.821.720.91816.218.615.314.820.221.821.219.823.921.58582.980.674.670.467.968.9120.2115.2121132.18125.83
0000000000000000000000001.11.11.11.11.11.11.11.11.11.100
000000000000000000000000000000000061.420
00000004.65.80000000001.52.52.87.11111.625.325.723.715.31614.514.1107.793.285.178.5170.21
00000000000000000022222.72.786.186.186.186.186.186.186.186.186.186.184.2484.24
0000000002.800003.77.36.212.214.210.428.531.730.732126.7137.6108.7145.9124.2127.4113.8176.7162.599.155.494.92
16.12020.82123.623.827.423.926.922.421.821.720.91819.925.921.52737.936.754.560.668.367.8324.2333.4300.2323297.8297284491.8458.1392.4411.84285.21
0.020.020.020.020.020.020.030.020.030.020.020.020.020.020.020.030.020.030.040.040.050.060.070.070.320.330.30.320.30.30.280.490.460.391.160.29
                                                                       
1.41.51.51.72.93.75.36.6810.147.247.347.448.853.290.393.193.493.493.693.793.7115.8115.8228.7228.7228.6228.6228.6228.6151.9151.9151.959.959.8959.89
12.514141417.732.534.531.228.627.323.323.82652.757.2137.2206.8208.5209210.1212.6213.4498.4499.1537.5538.1539.3540.5540.9541.6619.4621.5622.7637.1636.79638.67
5.75.76.78.610.519.63041.553.769.780.990.488.991.8127.5104.280.688.26385.994.2122.997.8118.3122.9195.6251.6219.3254.1282.3343.2375.4403.4517.6650.27790.29
-0.300000-0.10.50.96.2-11.7-16.5-18.26.8-0.3-45.4-38.4-37.9-16.1-13-122.2-82.7-2.1-49.3-19.5-8.2-6.1-2.9-0.6-0.30-0.6-1.1-0.50.250
000000000000000000000039.186.475.311.425.816.92.2-2.6-11-0.412.15.7-93.66-67.01
0.020.020.020.020.030.060.070.080.090.110.140.150.140.20.240.290.340.350.350.380.280.350.750.770.940.971.0411.031.051.11.151.191.221.251.42
0000000003.85.74.82.31.60000000000000000000000
00000000029.337.536.728.237.860.747.641.230.419.525.723.731.643.929.4117.7144.4133.39295.486.887.7225.5187126.7152.37140.01
000000000000000000000000000000000028.610
0.060.10.10.10.160.180.20.240.250.420.60.820.921.051.551.982.232.482.5543.794.133.633.161.791.270.980.930.350.080.260.190000
00000000000000000000000000000000009.330
0.060.10.10.10.160.180.20.240.250.450.640.860.951.091.612.032.272.512.574.033.814.163.673.191.911.411.111.030.450.170.350.420.190.130.190.14
8852929147.599.5115114.6106.586.5605051.187.287.287.251.136.136.136.136.136.1162.7103.7105.6104.4340.2146.6228.137.336.836.10.320
0000000000000000000000000000000000022.44
23.216.913.314.219.861.591.727.228.900000000000000.147.426.314.911.26.22.41.30.30.91.70.8019.4
31.224.918.343.248.875.599.2126.7143.9114.6106.586.5605051.187.287.287.251.136.136.136.136.283.5189118.6116.8110.6342.6147.9228.438.238.536.90.3241.85
0.090.120.120.140.210.260.290.370.390.560.750.941.011.141.662.122.362.592.624.063.854.193.713.282.091.531.231.140.790.320.580.450.230.160.190.18
0.110.140.140.160.240.310.360.450.480.680.891.091.151.341.92.412.72.952.974.444.134.544.464.053.042.52.272.141.811.371.681.61.411.381.441.6
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of OFG Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand OFG Bancorp's financial health and stability.

Assets

OFG Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that OFG Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of OFG Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into OFG Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19891990199119921993199419951996199719981999200020012002200320042005null200620072008200920102011201220132014201520162017201820192020202120222023
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23-103-197-149-2946124-9915-49-108-113-89-8-54-75-110-133-135-159-127-43-3758-54811238-77-134-8816
0000-2-3-4-2-2-10-7-5-3-655-13-1-1074639882147119916640111313-11757
0000000000000000000000001109881675640414156352679
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23-96-1314-423-1357146-8325-14-50-42-2411-58-37-14-44-32-3950173175977815113310935100164295
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000000000000000000000000000000000000
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01000153-2-3-315-3-3-12901-5-2-3100-58-60-16-80000-2-141-64-18
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-2.40.9-105.8-15.112.2-7.319.4-17.255.2141.9-8721.8-21.2-53.5-49.9-28.30-69.4-44.8-19.3-48.6-42.4-43.148.3164.7167.191.873.2144.9121.996.619.776.9133.46277.8
000000000000000000000000000000000000

OFG Bancorp stock margins

The OFG Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of OFG Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for OFG Bancorp.

  • 3 years

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  • Max

Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the OFG Bancorp's sales revenue. A higher gross margin percentage indicates that the OFG Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the OFG Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the OFG Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the OFG Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the OFG Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the OFG Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

OFG Bancorp Margin History

DateOFG Bancorp Profit margin
2026e31.55 %
2025e30.57 %
2024e32.12 %
202323.4 %
202225.68 %
20210 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %

OFG Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The OFG Bancorp earnings per share therefore indicates how much revenue OFG Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

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  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue OFG Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates OFG Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of OFG Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating OFG Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

OFG Bancorp Revenue, EBIT and net profit per share

DateOFG Bancorp Sales per ShareOFG Bancorp Earnings per Share
2026e13.65 undefined4.31 undefined
2025e13.06 undefined3.99 undefined
2024e12.92 undefined4.15 undefined
202316.35 undefined3.82 undefined
202213.36 undefined3.43 undefined
20210 undefined2.82 undefined
20200 undefined1.31 undefined
20190 undefined0.91 undefined
20180 undefined1.41 undefined
20170 undefined0.76 undefined
20160 undefined0.89 undefined
20150 undefined-0.37 undefined
20140 undefined1.36 undefined
20130 undefined1.6 undefined
20120 undefined0.32 undefined
20110 undefined0.67 undefined
20100 undefined-0.5 undefined
20090 undefined0.74 undefined
20080 undefined0.91 undefined
20070 undefined1.5 undefined
20060 undefined-0.4 undefined
20050 undefined2.14 undefined
20040 undefined2.32 undefined

OFG Bancorp business model

OFG Bancorp is a financial services company based in San Juan, Puerto Rico. The company has a long history dating back to 1964 when it was founded as Oriental Financial Group. Over the years, OFG Bancorp has conducted a number of mergers and acquisitions and is now the holding company for a range of subsidiary companies that focus on various areas of the financial services business. The company is divided into five main areas: retail banking, commercial banking, wealth management, treasury management, and mortgage banking. Each area offers a range of products and services to respond to customer needs. Retail banking: OFG's retail banking focuses on personal accounts, loans, and credit cards. The company operates over 50 branches and ATMs in Puerto Rico and also has a presence in Florida. Products offered include credit and debit cards, mortgages, auto loans, personal loans, and savings accounts. Commercial banking: OFG Bancorp also provides banking services to small and medium-sized businesses. This includes deposit accounts, loans, leasing financing, and treasury management services. OFG's commercial banking is divided into several areas, including real estate, consumer products, healthcare, and government. Wealth management: OFG's wealth management offers a range of financial services to affluent private and business clients. This includes investment advice, portfolio management, retirement and estate planning, and tax planning. These services are provided by a team of experienced financial advisors and investment experts who work closely with clients to ensure their needs are met. Treasury management: OFG's treasury management focuses on companies and institutions that require complex financial management and payment solutions. This includes cash management solutions, payment processing, electronic invoicing, and trade financing. OFG also offers customized solutions tailored to their specific requirements. Mortgage banking: OFG's mortgage banking specializes in mortgage financing in the United States and operates a large network of lenders and brokers. The company offers a wide range of mortgage products including fixed and variable interest rates, FHA and VA loans, and jumbo mortgages. OFG Mortgage also focuses on US overseas territories. Overall, OFG Bancorp is a diverse financial services company that caters to a wide range of customers and needs. The company is committed to continuously evolving and adapting its products and services to meet the changing needs of its customers. OFG Bancorp is one of the most popular companies on Eulerpool.com.

OFG Bancorp SWOT Analysis

Strengths

OFG Bancorp has a strong market presence and reputation, which allows it to attract a large customer base and establish itself as a key player in the industry.

The company has a diverse range of financial products and services, including commercial banking, mortgage banking, and wealth management, which provides multiple revenue streams and opportunities for growth.

Weaknesses

One of the main weaknesses of OFG Bancorp is its heavy reliance on a specific geographical market. This makes the company vulnerable to economic downturns or adverse events that may affect the local economy.

The company has also faced some challenges in terms of regulatory compliance and risk management, which can potentially hinder its operations and profitability.

Opportunities

OFG Bancorp can capitalize on the growing demand for digital banking services by investing in technology and enhancing its online and mobile banking platforms. This can help attract tech-savvy customers and improve overall customer experience.

The company can also explore strategic partnerships or acquisitions to expand its market reach and diversify its product offerings. This can open up new revenue streams and enable OFG Bancorp to enter untapped markets or industries.

Threats

One of the major threats facing OFG Bancorp is intense competition in the banking industry. Larger financial institutions with greater resources and established customer bases can potentially overshadow OFG Bancorp and attract its customers.

Economic volatility and regulatory changes also pose threats to the company's profitability. Fluctuations in interest rates, credit risk, and changes in regulations can impact OFG Bancorp's lending activities and overall financial performance.

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OFG Bancorp Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

OFG Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

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OFG Bancorp shares outstanding

The number of shares was OFG Bancorp in 2023 — This indicates how many shares 47.552 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue OFG Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates OFG Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of OFG Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating OFG Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

OFG Bancorp stock splits

In OFG Bancorp's history, there have been no stock splits.

OFG Bancorp dividend history and estimates

In 2023, OFG Bancorp paid a dividend amounting to 0.88 USD. Dividend means that OFG Bancorp distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for OFG Bancorp provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify OFG Bancorp’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating OFG Bancorp's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

OFG Bancorp Dividend History

DateOFG Bancorp Dividend
2026e0.99 undefined
2025e0.99 undefined
2024e1 undefined
20230.88 undefined
20220.7 undefined
20210.4 undefined
20200.28 undefined
20190.28 undefined
20180.25 undefined
20170.24 undefined
20160.24 undefined
20150.36 undefined
20140.34 undefined
20130.26 undefined
20120.24 undefined
20110.21 undefined
20100.17 undefined
20090.16 undefined
20080.56 undefined
20070.56 undefined
20060.56 undefined
20050.56 undefined
20040.52 undefined

OFG Bancorp dividend payout ratio

In 2023, OFG Bancorp had a payout ratio of 18.6%. The payout ratio indicates the percentage of the company's profits that OFG Bancorp distributes as dividends.

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Payout ratio
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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for OFG Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for OFG Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate OFG Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

OFG Bancorp Payout Ratio History

DateOFG Bancorp Payout ratio
2026e18.41 %
2025e18.91 %
2024e17.73 %
202318.6 %
202220.4 %
202114.18 %
202021.21 %
201930.43 %
201817.73 %
201732 %
201627.27 %
2015-97.3 %
201425 %
201316.35 %
201275 %
201131.34 %
2010-34 %
200921.33 %
200862.22 %
200737.33 %
2006-140 %
200526.17 %
200422.53 %
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Unfortunately, there are currently no price targets and forecasts available for OFG Bancorp.

OFG Bancorp latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20241.03 1  (-2.7 %)2024 Q3
6/30/20240.97 1.08  (11.39 %)2024 Q2
3/31/20240.96 1.05  (9.43 %)2024 Q1
12/31/20230.94 0.94  (0.07 %)2023 Q4
9/30/20230.95 0.95  (0.33 %)2023 Q3
6/30/20230.89 0.93  (4.34 %)2023 Q2
3/31/20230.87 0.96  (10.21 %)2023 Q1
12/31/20220.93 0.97  (4.67 %)2022 Q4
9/30/20220.86 0.87  (1.34 %)2022 Q3
6/30/20220.74 0.84  (13.16 %)2022 Q2
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Eulerpool ESG Scorecard© for the OFG Bancorp stock

Eulerpool World ESG Rating (EESG©)

33/ 100

🌱 Environment

2

👫 Social

64

🏛️ Governance

32

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees68.7
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

OFG Bancorp shareholders

%
Name
Stocks
Change
Date
13.94757 % BlackRock Institutional Trust Company, N.A.6,401,935-114,9116/30/2024
12.82153 % The Vanguard Group, Inc.5,885,084-8,2016/30/2024
7.64221 % Dimensional Fund Advisors, L.P.3,507,775-24,1526/30/2024
4.70193 % State Street Global Advisors (US)2,158,188-7,0176/30/2024
3.66800 % LSV Asset Management1,683,614-39,1136/30/2024
3.56478 % Charles Schwab Investment Management, Inc.1,636,236-15,6316/30/2024
3.48534 % Barrow Hanley Global Investors1,599,769-309,9736/30/2024
2.56813 % Nuveen LLC1,178,773-3,7076/30/2024
2.34540 % Geode Capital Management, L.L.C.1,076,53940,7336/30/2024
2.10663 % American Century Investment Management, Inc.966,945136,8136/30/2024
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OFG Bancorp Executives and Management Board

Mr. Jose Fernandez

(59)
OFG Bancorp Vice Chairman of the Board, President, Chief Executive Officer
Compensation 3.06 M

Dr. Ganesh Kumar

(58)
OFG Bancorp Chief Strategy Officer, U.S. Business
Compensation 2.05 M

Ms. Maritza Arizmendi

(54)
OFG Bancorp Chief Financial Officer
Compensation 1.01 M

Mr. Jose Cabrera Lazaro

(52)
OFG Bancorp Chief Compliance Officer
Compensation 576,665

Mr. Cesar Ortiz

(48)
OFG Bancorp Chief Risk Officer
Compensation 516,196
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Most common questions regarding OFG Bancorp

What values and corporate philosophy does OFG Bancorp represent?

OFG Bancorp represents values of integrity, innovation, and excellence within the financial industry. As a leading financial institution, their corporate philosophy focuses on delivering exceptional customer service, fostering strong relationships, and promoting responsible financial practices. With a commitment to transparency and accountability, OFG Bancorp prioritizes ethical conduct, trust, and inclusion. Through their dedication to providing superior banking solutions, they strive to enhance the financial well-being of their clients, shareholders, and communities. OFG Bancorp's dedication to their core values and corporate philosophy has positioned them as a trusted and reputable player in the stock market.

In which countries and regions is OFG Bancorp primarily present?

OFG Bancorp primarily operates in Puerto Rico and the U.S. Virgin Islands.

What significant milestones has the company OFG Bancorp achieved?

OFG Bancorp, a renowned financial services company, has achieved significant milestones throughout its successful history. One of its notable achievements includes the acquisition of BBVA Puerto Rico, a leading financial institution. This strategic move allowed OFG Bancorp to expand its market presence and strengthen its position in Puerto Rico's banking sector. Additionally, the company has consistently delivered solid financial performance, demonstrating its commitment to delivering value to its shareholders. With a customer-centric approach, OFG Bancorp has continuously enhanced its product and service offerings, earning a strong reputation among its clients. Emphasizing growth, innovation, and customer satisfaction, OFG Bancorp has made notable strides in its industry.

What is the history and background of the company OFG Bancorp?

OFG Bancorp is a financial holding company that traces its roots back to 1964. Originally known as Oriental Financial Group, the company evolved and rebranded as OFG Bancorp in 2017. Headquartered in San Juan, Puerto Rico, OFG Bancorp operates under its subsidiary, Oriental Bank. With over 55 branches in Puerto Rico and the US Virgin Islands, OFG Bancorp offers a wide range of banking and financial services to individuals, businesses, and municipalities. The company has a strong commitment to the communities it serves and strives to provide innovative banking solutions tailored to the needs of its customers.

Who are the main competitors of OFG Bancorp in the market?

The main competitors of OFG Bancorp in the market include banking institutions such as Banco Popular de Puerto Rico, First BanCorp, and Popular, Inc. These institutions, like OFG Bancorp, operate in the same geographic region and offer a range of similar products and services. OFG Bancorp distinguishes itself through its strong financial performance, customer-focused approach, and commitment to innovation. It continues to compete effectively in the market by leveraging its extensive industry experience and deep understanding of local market dynamics.

In which industries is OFG Bancorp primarily active?

OFG Bancorp is primarily active in the banking industry.

What is the business model of OFG Bancorp?

The business model of OFG Bancorp revolves around being a diversified financial holding company. As an institution, OFG Bancorp offers a wide range of banking and financial services to individuals, businesses, and institutions. They provide commercial and consumer banking services, mortgage lending, wealth management, insurance, and other related financial solutions. With a strong focus on customer satisfaction and tailoring their offerings to meet specific needs, OFG Bancorp aims to foster long-term relationships with clients while ensuring growth and profitability. By constantly adapting to market trends and leveraging their expertise, OFG Bancorp strives to deliver innovative and reliable financial solutions to its customers.

What is the P/E ratio of OFG Bancorp 2024?

The OFG Bancorp P/E ratio is 11.36.

What is the P/S ratio of OFG Bancorp 2024?

The OFG Bancorp P/S ratio is 3.65.

What is the Quality Investing of OFG Bancorp?

The Quality Investing for OFG Bancorp is 3/10.

What is the revenue of OFG Bancorp 2024?

The expected OFG Bancorp revenue is 593.22 M USD.

How high is the profit of OFG Bancorp 2024?

The expected OFG Bancorp profit is 190.54 M USD.

What is the business model of OFG Bancorp

OFG Bancorp is a diversified financial services company that offers a wide range of products and services to retail customers, businesses, and public institutions. The company operates in various business segments including traditional banking, insurance, asset management, and loan insurance. In the traditional banking business, OFG Bancorp operates in the areas of deposits and loans, offering various types of accounts including checking, savings, and fixed deposit accounts. It also provides various types of consumer and business loans, mortgages, and lines of credit. The company's insurance division offers a wide range of products including homeowner's insurance, auto insurance, additional health insurance, and insurance for commercial customers. OFG Bancorp's asset management division provides professional advice and asset management services. Customers can choose from various investment products including stocks, bonds, investment funds, and asset management services. The loan insurance department assists in the financing of home ownership and property acquisition, as well as loan refinancing. The company works closely with its customers to develop individual financing solutions to meet their specific needs. In terms of operations, OFG Bancorp aims to achieve attractive returns and increase profitability through organic and acquisition measures. The company pursues a clear strategy to diversify its activities in order to minimize operational risks and promote growth. In terms of product development and distribution channels, OFG Bancorp invests in the latest technologies to increase customer satisfaction and improve efficiency. The company aims to provide its customers with a flexible, simple, and convenient banking experience. The company places great value on its relationships with its customers, employees, and the communities in which it operates. OFG Bancorp is committed to promoting social responsibility and engagement for sustainable development. It supports local events and nonprofit organizations in Puerto Rico and the United States. Overall, the company's business model is focused on continuous growth and diversification to offer a comprehensive range of products and services to its customers. OFG Bancorp is committed to further expanding its position as a leading financial services company in the United States and Puerto Rico.

What is the OFG Bancorp dividend?

OFG Bancorp pays a dividend of 0.7 USD distributed over payouts per year.

How often does OFG Bancorp pay dividends?

The dividend cannot currently be calculated for OFG Bancorp or the company does not pay out a dividend.

What is the OFG Bancorp ISIN?

The ISIN of OFG Bancorp is PR67103X1020.

What is the OFG Bancorp WKN?

The WKN of OFG Bancorp is A1T9X8.

What is the OFG Bancorp ticker?

The ticker of OFG Bancorp is OFG.

How much dividend does OFG Bancorp pay?

Over the past 12 months, OFG Bancorp paid a dividend of 0.88 USD . This corresponds to a dividend yield of about 1.93 %. For the coming 12 months, OFG Bancorp is expected to pay a dividend of 0.99 USD.

What is the dividend yield of OFG Bancorp?

The current dividend yield of OFG Bancorp is 1.93 %.

When does OFG Bancorp pay dividends?

OFG Bancorp pays a quarterly dividend. This is distributed in the months of April, July, October, January.

How secure is the dividend of OFG Bancorp?

OFG Bancorp paid dividends every year for the past 23 years.

What is the dividend of OFG Bancorp?

For the upcoming 12 months, dividends amounting to 0.99 USD are expected. This corresponds to a dividend yield of 2.18 %.

In which sector is OFG Bancorp located?

OFG Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von OFG Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of OFG Bancorp from 1/15/2025 amounting to 0.25 USD, you needed to have the stock in your portfolio before the ex-date on 12/31/2024.

When did OFG Bancorp pay the last dividend?

The last dividend was paid out on 1/15/2025.

What was the dividend of OFG Bancorp in the year 2023?

In the year 2023, OFG Bancorp distributed 0.7 USD as dividends.

In which currency does OFG Bancorp pay out the dividend?

The dividends of OFG Bancorp are distributed in USD.

All fundamentals about OFG Bancorp

Our stock analysis for OFG Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of OFG Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.