OFG Bancorp (OFG)

OFG Bancorp Statistics

Total Valuation

OFG Bancorp has a market cap or net worth of $1.81 billion. The enterprise value is $1.66 billion.

Market Cap	1.81B
Enterprise Value	1.66B

Important Dates

The next confirmed earnings date is Wednesday, April 23, 2025, before market open.

Earnings Date	Apr 23, 2025
Ex-Dividend Date	Mar 31, 2025

Share Statistics

OFG Bancorp has 45.39 million shares outstanding. The number of shares has decreased by -1.37% in one year.

Current Share Class	45.39M
Shares Outstanding	45.39M
Shares Change (YoY)	-1.37%
Shares Change (QoQ)	-1.28%
Owned by Insiders (%)	1.16%
Owned by Institutions (%)	96.17%
Float	44.84M

Valuation Ratios

The trailing PE ratio is 9.50 and the forward PE ratio is 9.88.

PE Ratio	9.50
Forward PE	9.88
PS Ratio	2.98
Forward PS	2.83
PB Ratio	1.46
P/TBV Ratio	1.58
P/FCF Ratio	7.90
P/OCF Ratio	7.23
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.36
EV / Sales	2.63
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.17

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.83
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.19%.

Return on Equity (ROE)	16.19%
Return on Assets (ROA)	1.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$280,248
Profits Per Employee	$88,232
Employee Count	2,246
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OFG Bancorp has paid $55.58 million in taxes.

Income Tax	55.58M
Effective Tax Rate	21.90%

Stock Price Statistics

The stock price has increased by +10.37% in the last 52 weeks. The beta is 0.97, so OFG Bancorp's price volatility has been similar to the market average.

Beta (5Y)	0.97
52-Week Price Change	+10.37%
50-Day Moving Average	41.94
200-Day Moving Average	42.31
Relative Strength Index (RSI)	42.75
Average Volume (20 Days)	575,114

Short Selling Information

The latest short interest is 811,785, so 1.79% of the outstanding shares have been sold short.

Short Interest	811,785
Short Previous Month	690,809
Short % of Shares Out	1.79%
Short % of Float	1.81%
Short Ratio (days to cover)	2.10

Income Statement

In the last 12 months, OFG Bancorp had revenue of $629.44 million and earned $198.17 million in profits. Earnings per share was $4.23.

Revenue	629.44M
Gross Profit	629.44M
Operating Income	268.01M
Pretax Income	273.51M
Net Income	198.17M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.23

Balance Sheet

The company has $591.16 million in cash and $422.56 million in debt, giving a net cash position of $168.59 million or $3.71 per share.

Cash & Cash Equivalents	591.16M
Total Debt	422.56M
Net Cash	168.59M
Net Cash Per Share	$3.71
Equity (Book Value)	1.25B
Book Value Per Share	27.60
Working Capital	-9.27B

Cash Flow

In the last 12 months, operating cash flow was $252.50 million and capital expenditures -$21.34 million, giving a free cash flow of $231.16 million.

Operating Cash Flow	252.50M
Capital Expenditures	-21.34M
Free Cash Flow	231.16M
FCF Per Share	$5.09

Margins

Gross Margin	n/a
Operating Margin	42.58%
Pretax Margin	40.31%
Profit Margin	31.48%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	36.73%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.00%.

Dividend Per Share	$1.20
Dividend Yield	3.00%
Dividend Growth (YoY)	15.38%
Years of Dividend Growth	4
Payout Ratio	28.37%
Buyback Yield	1.37%
Shareholder Yield	4.37%
Earnings Yield	10.85%
FCF Yield	12.66%

Analyst Forecast

The average price target for OFG Bancorp is $50.00, which is 25.44% higher than the current price. The consensus rating is "Buy".

Price Target	$50.00
Price Target Difference	25.44%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on December 29, 2004. It was a forward split with a ratio of 1.1:1.

Last Split Date	Dec 29, 2004
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4