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OFG Bancorp OFG
Financial Services - Banks - Regional - NYSE - US
Watchlist
$ 34.89
-0.286 %
$ 1.59 B
Market Cap
8.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OFG stock under the worst case scenario is HIDDEN Compared to the current market price of 34.9 USD, OFG Bancorp is HIDDEN

OFG Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OFG stock under the base case scenario is HIDDEN Compared to the current market price of 34.9 USD, OFG Bancorp is HIDDEN

OFG Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OFG stock under the best case scenario is HIDDEN Compared to the current market price of 34.9 USD, OFG Bancorp is HIDDEN

OFG Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart OFG

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1M -14.0%
6M -17%
1Y 3%
3Y 43%
5Y 269%
All
$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
661 M REVENUE
5.14%
Growth Rates
1Year 5.14%
3Years 6.93%
5Years 10.93%
7Years 8.63%
10Years 4.50%
-442 M OPERATING INCOME
-167.23%
Growth Rates
1Year -167.23%
3Years -45.20%
5Years -46.88%
7Years -25.98%
10Years -12.41%
198 M NET INCOME
8.96%
Growth Rates
1Year 8.96%
3Years 10.68%
5Years 29.77%
7Years 20.85%
10Years 8.81%
91.8 M OPERATING CASH FLOW
-68.95%
Growth Rates
1Year -68.95%
3Years -2.83%
5Years -3.49%
7Years -6.90%
10Years -6.25%
-4.01 M INVESTING CASH FLOW
99.71%
Growth Rates
1Year 99.71%
3Years 72.02%
5Years -0.10%
7Years -0.30%
10Years -0.07%
-120 M FINANCING CASH FLOW
-9.21%
Growth Rates
1Year -9.21%
3Years -34.88%
5Years 26.18%
7Years 14.62%
10Years 17.08%
169 M REVENUE
3.26%
Growth Rates
1Year 5.14%
3Years 6.93%
5Years 10.93%
7Years 8.63%
10Years 4.50%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -167.23%
3Years -45.20%
5Years -46.88%
7Years -25.98%
10Years -12.41%
50.3 M NET INCOME
7.12%
Growth Rates
1Year 8.96%
3Years 10.68%
5Years 29.77%
7Years 20.85%
10Years 8.81%
38.3 M OPERATING CASH FLOW
-34.17%
Growth Rates
1Year -68.95%
3Years -2.83%
5Years -3.49%
7Years -6.90%
10Years -6.25%
-207 M INVESTING CASH FLOW
-10.76%
Growth Rates
1Year 99.71%
3Years 72.02%
5Years -0.10%
7Years -0.30%
10Years -0.07%
79.1 M FINANCING CASH FLOW
15.06%
Growth Rates
1Year -9.21%
3Years -34.88%
5Years 26.18%
7Years 14.62%
10Years 17.08%
Balance Sheet OFG Bancorp
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Current Assets 40.6 M
Cash & Short-Term Investments 40.6 M
Receivables 0
Other Current Assets 0
Non-Current Assets 231 K
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 231 K
99.43 %Total Assets$40.8m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 21.4 M
Long-Term Debt 21.4 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$21.4m
EFFICIENCY
Earnings Waterfall OFG Bancorp
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Revenue 661 M
Cost Of Revenue 0
Gross Profit 661 M
Operating Expenses 661 M
Operating Income -442 M
Other Expenses -641 M
Net Income 198 M
800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)(600m)(600m)661m0661m(661m)(442m)641m198mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
-66.93% OPERATING MARGIN
-66.93%
Averages
1Year -66.93%
3Years 6.79%
5Years 16.00%
7Years 20.80%
10Years 23.05%
29.98% NET MARGIN
29.98%
Averages
1Year 29.98%
3Years 28.67%
5Years 25.73%
7Years 23.50%
10Years 19.51%
15.80% ROE
15.80%
Averages
1Year 15.80%
3Years 15.66%
5Years 13.50%
7Years 11.59%
10Years 9.28%
15.62% ROA
15.62%
Averages
1Year 15.62%
3Years 6.30%
5Years 4.23%
7Years 3.29%
10Years 2.47%
-846.74% ROIC
-846.74%
Averages
1Year -846.74%
3Years -288.77%
5Years -176.62%
7Years -128.04%
10Years -89.16%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis OFG Bancorp
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300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 198 M
Depreciation & Amortization 26.8 M
Capital Expenditures 0
Stock-Based Compensation 642 K
Change in Working Capital 0
Others -143 M
Free Cash Flow 91.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets OFG Bancorp
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Wall Street analysts predict an average 1-year price target for OFG of $48 , with forecasts ranging from a low of $47 to a high of $49 .
OFG Lowest Price Target Wall Street Target
47 USD 34.71%
OFG Average Price Target Wall Street Target
48 USD 37.58%
OFG Highest Price Target Wall Street Target
49 USD 40.44%
Price
Max Price Target
Min Price Target
Average Price Target
505048484646444442424040383836363434May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.59% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.001.000.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.10.060.060.060.060.070.070.080.150.220.250.30.10.060.060.060.070.070.080.150.220.250.10.060.060.060.070.070.120.20.220.250.060.360.060.240.060.240.070.250.070.270.070.280.120.390.20.630.220.810.250.970.250.302015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership OFG Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
4.99 M USD 2
6-9 MONTHS
2.02 M USD 1
9-12 MONTHS
1.32 M USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
21 Upcoming Dividend Increases To Finish Q1 The lists were created using the U.S. Dividend Champions spreadsheet and NASDAQ data, ensuring companies have at least five years of dividend growth. My investment strategy focuses on buying, holding, and adding to companies with consistent dividend growth and outperformance relevant to certain benchmarks. Top-performing stocks include MPWR, STLD, and JPM. Top REITs include CTR, FR, and REXR for their impressive returns and dividend growth rates. seekingalpha.com - 3 weeks ago
OFG Bancorp to Report 1Q25 Results and Hold Call Wednesday, April 23, 2025 SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG) will report first quarter 2025 financial results on Wednesday, April 23, 2025, before the market opens and hold its conference call that morning at 10:00 AM ET. Participant Toll-Free Phone Number: (800) 267-6316 Participant International Phone Number: (203) 518-9783 Conference ID: OFGQ125 The call can also be accessed live on OFG's website at www.ofgbancorp.com. Webcast replay will be available shortly thereafter. Visit the webcast. businesswire.com - 3 weeks ago
OFG Bancorp: The Picture Looks Better Than I Previously Thought OFG Bancorp's asset quality and digital-first strategy have driven a 15.2% share price increase, outperforming the S&P 500's 10.4% gain. Despite mixed valuation metrics, OFG Bancorp's strong return on assets and equity, along with diverse income streams, justify a soft 'buy' rating. Recent improvements include a rise in deposits and securities, increased net income, and significant share buybacks, signaling management's optimism. seekingalpha.com - 2 months ago
Should Value Investors Buy OFG Bancorp (OFG) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Watch These 5 Stocks That Recently Announced Dividend Hikes Investors may keep a tab on stocks like FBK, OFG, UTL, SCHW and AJG, which have lately hiked their dividend payments. zacks.com - 2 months ago
OFG Bancorp: Maintaining A Buy Rating With A Flattish Earnings Outlook The continued improvement of Puerto Rico's unemployment rate gives me hope that loan growth can improve this year. However, other economic metrics are mixed. As the deposit cost is mostly inflexible, the margin will likely continue to decline this year. I haven't changed my EPS estimate for 2025, which remains at $4.25. seekingalpha.com - 2 months ago
OFG Bancorp (OFG) Q4 2024 Earnings Call Transcript OFG Bancorp (NYSE:OFG ) Q4 2024 Earnings Conference Call January 22, 2025 10:00 AM ET Company Participants Jose Rafael Fernandez - Chairman and Chief Executive Officer Maritza Arizmendi Diaz - Chief Financial Officer Cesar Ortiz Marcano - Chief Risk Officer Conference Call Participants Kelly Motta - KBW Ynyra Bohan - Hovde Group Timur Braziler - Wells Fargo Operator Good morning. Thank you for joining OFG Bancorp's Conference Call. seekingalpha.com - 2 months ago
OFG Bancorp (OFG) Q4 Earnings and Revenues Beat Estimates OFG Bancorp (OFG) came out with quarterly earnings of $1.09 per share, beating the Zacks Consensus Estimate of $0.97 per share. This compares to earnings of $0.98 per share a year ago. zacks.com - 2 months ago
OFG Bancorp Reports 4Q24 & 2024 Results SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG), the financial holding company for Oriental Bank, today reported results for the fourth quarter and year ended December 31, 2024. 4Q24: EPS diluted of $1.09 compared to $1.00 in 3Q24 and $0.98 in 4Q23. Total core revenues of $181.9 million compared to $174.1 million in 3Q24 and $175.6 million in 4Q23. Full Year 2024: EPS diluted of $4.23 compared to $3.83 in 2023. Total core revenues of $709.6 million compared to $682.7 million in. businesswire.com - 2 months ago
OFG Bancorp to Report 4Q24 Results and Hold Call Wednesday, January 22, 2025 SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG) will report fourth quarter 2024 financial results on Wednesday, January 22, 2025, before the market opens and hold its conference call that morning at 10:00 AM ET. Participant Toll-Free Phone Number: (800) 225-9448 Participant International Phone Number: (203) 518-9708 Conference ID: OFGQ424 The call can also be accessed live on OFG's website at www.ofgbancorp.com. Webcast replay will be available shortly thereafter. Visit the webc. businesswire.com - 3 months ago
OFG Bancorp Declares Regular Quarterly Common Stock Dividend SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG) today announced its Board of Directors declared a regular quarterly cash dividend of $0.25 per common share for the quarter ending December 31, 2024. The dividend is payable January 15, 2025, to holders of record at December 31, 2024, with an ex-dividend date of December 31, 2024. About OFG Bancorp Now in its 60th year in business, OFG Bancorp is a diversified financial holding company that operates under U.S., Puerto Rico and U.S. businesswire.com - 5 months ago
OFG Bancorp (OFG) Q3 2024 Earnings Call Transcript OFG Bancorp (NYSE:OFG ) Q3 2024 Earnings Conference Call October 16, 2024 10:00 AM ET Company Participants Jose Rafael Fernandez - Chairman & CEO Maritza Arizmendi - CFO Conference Call Participants Kelly Motta - KBW Operator Good morning. Thank you for joining the OFG Bancorp's Conference Call. seekingalpha.com - 6 months ago
8. Profile Summary

OFG Bancorp OFG

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.59 B
Dividend Yield 0.59%
Description OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
Contact 254 MuNoz Rivera Avenue, San Juan, PR, 00918 https://www.ofgbancorp.com
IPO Date March 26, 1987
Employees 2246
Officers Ms. Ada Garcia Castello Managing Director of Customer Intelligence & Operations Mr. Gary M. Fishman IR Contact Mr. José Rafael Fernández President, Chief Executive Officer & Chairman Ms. Mari Evelyn Rodriguez Chief Retail Banking Officer Mr. Cesar A. Ortiz-Marcano CPA, Esq. Chief Risk Officer of Oriental Bank Mr. Hugh Gonzalez-Robison Esq. General Counsel, Chief Compliance Officer & Secretary Krisen Aguirre Torres Vice President Financial Reporting & Accounting Control