OFG BANCORP (OFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OFG - PR67103X1020 - Common Stock
41.16 USD
-0.4 (-0.96%)
41.16 USD
0 (0%)
Taking everything into account, OFG scores 5 out of 10 in our fundamental rating. OFG was compared to 388 industry peers in the Banks industry. OFG has a medium profitability rating, but doesn't score so well on its financial health evaluation. OFG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, OFG belongs to the top of the industry, outperforming 92.01% of the companies in the same industry.
OFG has a better Return On Equity (14.51%) than 92.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 14.51% | ||
| ROIC | N/A |
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OFG has a better Profit Margin (27.34%) than 67.01% of its industry peers.
In the last couple of years the Profit Margin of OFG has grown nicely.
OFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OFG has been reduced compared to 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.
2.2 Solvency
The Debt to FCF ratio of OFG is 0.57, which is an excellent value as it means it would take OFG, only 0.57 years of fcf income to pay off all of its debts.
OFG has a better Debt to FCF ratio (0.57) than 78.35% 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.
Looking at the Debt to Equity ratio, with a value of 0.07, OFG is in the better half of the industry, outperforming 74.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.11%, which is quite good.
The Earnings Per Share has been growing by 26.75% on average over the past years. This is a very strong growth
Looking at the last year, OFG shows a small growth in Revenue. The Revenue has grown by 2.61% in the last year.
The Revenue has been growing by 11.92% on average over the past years. This is quite good.
EPS 1Y (TTM)8.11%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%16%
Revenue 1Y (TTM)2.61%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%4.63%
3.2 Future
OFG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.66% yearly.
Based on estimates for the next years, OFG will show a small growth in Revenue. The Revenue will grow by 2.80% on average per year.
EPS Next Y5.79%
EPS Next 2Y4.07%
EPS Next 3Y4.66%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y2.44%
Revenue Next 3Y2.8%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.35 indicates a reasonable valuation of OFG.
Based on the Price/Earnings ratio, OFG is valued cheaply inside the industry as 86.34% of the companies are valued more expensively.
OFG is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.01, the valuation of OFG can be described as very reasonable.
OFG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OFG is cheaper than 75.26% of the companies in the same industry.
OFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.35 | ||
| Fwd PE | 9.01 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OFG is valued a bit cheaper than 63.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OFG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.62
PEG (5Y)0.35
EPS Next 2Y4.07%
EPS Next 3Y4.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.86%, OFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, OFG has a dividend in line with its industry peers.
OFG's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
5.2 History
The dividend of OFG is nicely growing with an annual growth rate of 19.38%!
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)19.38%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
25.13% of the earnings are spent on dividend by OFG. This is a low number and sustainable payout ratio.
The dividend of OFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.13%
EPS Next 2Y4.07%
EPS Next 3Y4.66%
41.16
-0.4 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.11%
Inst Owner Change-1.08%
Ins Owners1.34%
Ins Owner Change-8.01%
Market Cap1.81B
Revenue(TTM)729.82M
Net Income(TTM)199.56M
Analysts77.5
Price Target49.22 (19.58%)
Short Float %1.54%
Short Ratio2.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend0.99
Dividend Growth(5Y)19.38%
DP25.13%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.44%
Min EPS beat(2)-1.56%
Max EPS beat(2)8.44%
EPS beat(4)3
Avg EPS beat(4)5.26%
Min EPS beat(4)-1.56%
Max EPS beat(4)11.84%
EPS beat(8)6
Avg EPS beat(8)4.91%
EPS beat(12)10
Avg EPS beat(12)4.9%
EPS beat(16)13
Avg EPS beat(16)4.88%
Revenue beat(2)0
Avg Revenue beat(2)-4.63%
Min Revenue beat(2)-7.03%
Max Revenue beat(2)-2.24%
Revenue beat(4)1
Avg Revenue beat(4)-3.17%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)0.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.54%
Revenue beat(12)5
Avg Revenue beat(12)1.61%
Revenue beat(16)9
Avg Revenue beat(16)9.37%
PT rev (1m)0%
PT rev (3m)-3.5%
EPS NQ rev (1m)-0.43%
EPS NQ rev (3m)-0.22%
EPS NY rev (1m)-1.34%
EPS NY rev (3m)-0.9%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-1.96%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.35 | ||
| Fwd PE | 9.01 | ||
| P/S | 2.48 | ||
| P/FCF | 10.22 | ||
| P/OCF | 9.19 | ||
| P/B | 1.32 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.4
EY10.69%
EPS(NY)4.57
Fwd EY11.1%
FCF(TTM)4.03
FCFY9.78%
OCF(TTM)4.48
OCFY10.88%
SpS16.6
BVpS31.29
TBVpS27.59
PEG (NY)1.62
PEG (5Y)0.35
Graham Number55.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 14.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.34% | ||
| GM | N/A | ||
| FCFM | 24.26% |
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
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 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.57% | ||
| Cap/Sales | 2.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC12.79%
ROIC/WACCN/A
Cap/Depr(3y)116.22%
Cap/Depr(5y)101.92%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.13%
Profit Quality(3y)113.13%
Profit Quality(5y)84.3%
High Growth Momentum
Growth
EPS 1Y (TTM)8.11%
EPS 3Y14.52%
EPS 5Y26.75%
EPS Q2Q%16%
EPS Next Y5.79%
EPS Next 2Y4.07%
EPS Next 3Y4.66%
EPS Next 5YN/A
Revenue 1Y (TTM)2.61%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%4.63%
Revenue Next Year3.88%
Revenue Next 2Y2.44%
Revenue Next 3Y2.8%
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-19.26%
FCF growth 3Y39.95%
FCF growth 5Y16.89%
OCF growth 1Y-16.98%
OCF growth 3Y36.17%
OCF growth 5Y18.17%
OFG BANCORP / OFG FAQ
What is the ChartMill fundamental rating of OFG BANCORP (OFG) stock?
ChartMill assigns a fundamental rating of 5 / 10 to OFG.
What is the valuation status for OFG stock?
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 valuation of OFG BANCORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for OFG BANCORP (OFG) is 9.35 and the Price/Book (PB) ratio is 1.32.
Can you provide the financial health for OFG stock?
The financial health rating of OFG BANCORP (OFG) is 3 / 10.