OFG BANCORP (OFG) Fundamental Analysis & Valuation

NYSE:OFG • PR67103X1020

Current stock price

38.74 USD
+0.05 (+0.13%)
At close:
38.74 USD
0 (0%)
After Hours:

This OFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. OFG Profitability Analysis

1.1 Basic Checks

  • In the past year OFG was profitable.
  • OFG had a positive operating cash flow in the past year.
  • In the past 5 years OFG has always been profitable.
  • In the past 5 years OFG always reported a positive cash flow from operatings.
OFG Yearly Net Income VS EBIT VS OCF VS FCFOFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • OFG has a Return On Assets of 1.65%. This is amongst the best in the industry. OFG outperforms 91.08% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.76%, OFG belongs to the top of the industry, outperforming 92.13% of the companies in the same industry.
Industry RankSector Rank
ROA 1.65%
ROE 14.76%
ROIC N/A
ROA(3y)1.66%
ROA(5y)1.63%
ROE(3y)15.26%
ROE(5y)15.06%
ROIC(3y)N/A
ROIC(5y)N/A
OFG Yearly ROA, ROE, ROICOFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • OFG's Profit Margin of 28.04% is fine compared to the rest of the industry. OFG outperforms 66.14% of its industry peers.
  • OFG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for OFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.16%
PM growth 5Y17.12%
GM growth 3YN/A
GM growth 5YN/A
OFG Yearly Profit, Operating, Gross MarginsOFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. OFG Health Analysis

2.1 Basic Checks

  • OFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OFG has less shares outstanding than it did 1 year ago.
  • OFG has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OFG is higher compared to a year ago.
OFG Yearly Shares OutstandingOFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
OFG Yearly Total Debt VS Total AssetsOFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • OFG has a debt to FCF ratio of 0.51. This is a very positive value and a sign of high solvency as it would only need 0.51 years to pay back of all of its debts.
  • The Debt to FCF ratio of OFG (0.51) is better than 80.31% of its industry peers.
  • OFG has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • OFG has a Debt to Equity ratio of 0.07. This is in the better half of the industry: OFG outperforms 75.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.51
Altman-Z N/A
ROIC/WACCN/A
WACC13.12%
OFG Yearly LT Debt VS Equity VS FCFOFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OFG Yearly Current Assets VS Current LiabilitesOFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. OFG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.53% over the past year.
  • OFG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.45% yearly.
  • Looking at the last year, OFG shows a small growth in Revenue. The Revenue has grown by 2.78% in the last year.
  • OFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.54% yearly.
EPS 1Y (TTM)8.53%
EPS 3Y10.01%
EPS 5Y28.45%
EPS Q2Q%16.51%
Revenue 1Y (TTM)2.78%
Revenue growth 3Y6.02%
Revenue growth 5Y6.54%
Sales Q2Q%2.42%

3.2 Future

  • OFG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.08% yearly.
  • Based on estimates for the next years, OFG will show a small growth in Revenue. The Revenue will grow by 6.38% on average per year.
EPS Next Y-5.95%
EPS Next 2Y0.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.64%
Revenue Next 2Y6.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
OFG Yearly Revenue VS EstimatesOFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
OFG Yearly EPS VS EstimatesOFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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5

4. OFG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.46 indicates a reasonable valuation of OFG.
  • Based on the Price/Earnings ratio, OFG is valued cheaply inside the industry as 88.71% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, OFG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.99, which indicates a very decent valuation of OFG.
  • Based on the Price/Forward Earnings ratio, OFG is valued a bit cheaper than the industry average as 68.77% of the companies are valued more expensively.
  • OFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 8.46
Fwd PE 8.99
OFG Price Earnings VS Forward Price EarningsOFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OFG indicates a somewhat cheap valuation: OFG is cheaper than 76.38% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.37
EV/EBITDA N/A
OFG Per share dataOFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.3
EPS Next 2Y0.08%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. OFG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.57%, OFG has a reasonable but not impressive dividend return.
  • OFG's Dividend Yield is a higher than the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, OFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • The dividend of OFG is nicely growing with an annual growth rate of 23.53%!
  • OFG has paid a dividend for at least 10 years, which is a reliable track record.
  • As OFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)23.53%
Div Incr Years4
Div Non Decr Years8
OFG Yearly Dividends per shareOFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • OFG pays out 25.29% of its income as dividend. This is a sustainable payout ratio.
  • OFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.29%
EPS Next 2Y0.08%
EPS Next 3YN/A
OFG Yearly Income VS Free CF VS DividendOFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
OFG Dividend Payout.OFG Dividend Payout, showing the Payout Ratio.OFG Dividend Payout.PayoutRetained Earnings

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OFG Fundamentals: All Metrics, Ratios and Statistics

OFG BANCORP

NYSE:OFG (3/19/2026, 8:21:42 PM)

After market: 38.74 0 (0%)

38.74

+0.05 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners97.47%
Inst Owner Change-4.12%
Ins Owners1.45%
Ins Owner Change-0.14%
Market Cap1.67B
Revenue(TTM)731.44M
Net Income(TTM)205.10M
Analysts73.33
Price Target45.29 (16.91%)
Short Float %2.57%
Short Ratio3.24
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.17
Dividend Growth(5Y)23.53%
DP25.29%
Div Incr Years4
Div Non Decr Years8
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.88%
Min EPS beat(2)-1.56%
Max EPS beat(2)9.32%
EPS beat(4)3
Avg EPS beat(4)4.64%
Min EPS beat(4)-1.56%
Max EPS beat(4)9.32%
EPS beat(8)6
Avg EPS beat(8)6.06%
EPS beat(12)10
Avg EPS beat(12)5.29%
EPS beat(16)14
Avg EPS beat(16)6.32%
Revenue beat(2)0
Avg Revenue beat(2)-1.93%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)-1.62%
Revenue beat(4)0
Avg Revenue beat(4)-3.62%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)-1.62%
Revenue beat(8)1
Avg Revenue beat(8)-3.79%
Revenue beat(12)4
Avg Revenue beat(12)-0.85%
Revenue beat(16)8
Avg Revenue beat(16)7.03%
PT rev (1m)0%
PT rev (3m)-7.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.03%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.28%
Valuation
Industry RankSector Rank
PE 8.46
Fwd PE 8.99
P/S 2.28
P/FCF 8.37
P/OCF 7.66
P/B 1.2
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)4.58
EY11.82%
EPS(NY)4.31
Fwd EY11.12%
FCF(TTM)4.63
FCFY11.95%
OCF(TTM)5.06
OCFY13.05%
SpS16.99
BVpS32.28
TBVpS28.56
PEG (NY)N/A
PEG (5Y)0.3
Graham Number57.68
Profitability
Industry RankSector Rank
ROA 1.65%
ROE 14.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.04%
GM N/A
FCFM 27.25%
ROA(3y)1.66%
ROA(5y)1.63%
ROE(3y)15.26%
ROE(5y)15.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.16%
PM growth 5Y17.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.51
Debt/EBITDA N/A
Cap/Depr 72.41%
Cap/Sales 2.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.12%
ROIC/WACCN/A
Cap/Depr(3y)97.86%
Cap/Depr(5y)103.55%
Cap/Sales(3y)3.66%
Cap/Sales(5y)4.06%
Profit Quality(3y)118.77%
Profit Quality(5y)97.93%
High Growth Momentum
Growth
EPS 1Y (TTM)8.53%
EPS 3Y10.01%
EPS 5Y28.45%
EPS Q2Q%16.51%
EPS Next Y-5.95%
EPS Next 2Y0.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.78%
Revenue growth 3Y6.02%
Revenue growth 5Y6.54%
Sales Q2Q%2.42%
Revenue Next Year11.64%
Revenue Next 2Y6.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.43%
FCF growth 3Y14.31%
FCF growth 5Y58.86%
OCF growth 1Y-13.77%
OCF growth 3Y9.8%
OCF growth 5Y44.13%

OFG BANCORP / OFG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of OFG BANCORP (OFG) stock?

ChartMill assigns a fundamental rating of 5 / 10 to OFG.


Can you provide the valuation status for OFG BANCORP?

ChartMill assigns a valuation rating of 5 / 10 to OFG BANCORP (OFG). This can be considered as Fairly Valued.


Can you provide the profitability details for OFG BANCORP?

OFG BANCORP (OFG) has a profitability rating of 5 / 10.


What is the financial health of OFG BANCORP (OFG) stock?

The financial health rating of OFG BANCORP (OFG) is 4 / 10.


What is the earnings growth outlook for OFG BANCORP?

The Earnings per Share (EPS) of OFG BANCORP (OFG) is expected to decline by -5.95% in the next year.