OFG Bancorp (OFG)

OFG Bancorp Statistics

Total Valuation

OFG Bancorp has a market cap or net worth of $2.05 billion. The enterprise value is $1.67 billion.

Market Cap	2.05B
Enterprise Value	1.67B

Important Dates

The next confirmed earnings date is Wednesday, January 22, 2025, before market open.

Earnings Date	Jan 22, 2025
Ex-Dividend Date	Dec 31, 2024

Share Statistics

OFG Bancorp has 45.90 million shares outstanding. The number of shares has decreased by -1.08% in one year.

Current Share Class	45.90M
Shares Outstanding	45.90M
Shares Change (YoY)	-1.08%
Shares Change (QoQ)	-0.60%
Owned by Insiders (%)	1.39%
Owned by Institutions (%)	97.72%
Float	45.22M

Valuation Ratios

The trailing PE ratio is 10.83 and the forward PE ratio is 11.57. OFG Bancorp's PEG ratio is 1.27.

PE Ratio	10.83
Forward PE	11.57
PS Ratio	3.25
Forward PS	3.47
PB Ratio	1.56
P/TBV Ratio	1.69
P/FCF Ratio	6.91
P/OCF Ratio	6.40
PEG Ratio	1.27

Enterprise Valuation

EV / Earnings	8.61
EV / Sales	2.62
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.61

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.98
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.11%.

Return on Equity (ROE)	16.11%
Return on Assets (ROA)	1.79%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$284,459
Profits Per Employee	$86,486
Employee Count	2,248
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OFG Bancorp has paid $74.97 million in taxes.

Income Tax	74.97M
Effective Tax Rate	27.83%

Stock Price Statistics

The stock price has increased by +26.92% in the last 52 weeks. The beta is 1.03, so OFG Bancorp's price volatility has been similar to the market average.

Beta (5Y)	1.03
52-Week Price Change	+26.92%
50-Day Moving Average	43.72
200-Day Moving Average	41.05
Relative Strength Index (RSI)	61.53
Average Volume (20 Days)	345,057

Short Selling Information

The latest short interest is 405,353, so 0.88% of the outstanding shares have been sold short.

Short Interest	405,353
Short Previous Month	500,138
Short % of Shares Out	0.88%
Short % of Float	0.90%
Short Ratio (days to cover)	1.21

Income Statement

In the last 12 months, OFG Bancorp had revenue of $639.46 million and earned $194.42 million in profits. Earnings per share was $4.13.

Revenue	639.46M
Gross Profit	639.46M
Operating Income	285.62M
Pretax Income	273.51M
Net Income	194.42M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.13

Balance Sheet

The company has $680.61 million in cash and $293.43 million in debt, giving a net cash position of $387.17 million or $8.44 per share.

Cash & Cash Equivalents	680.61M
Total Debt	293.43M
Net Cash	387.17M
Net Cash Per Share	$8.44
Equity (Book Value)	1.32B
Book Value Per Share	28.31
Working Capital	-8.83B

Cash Flow

In the last 12 months, operating cash flow was $321.75 million and capital expenditures -$23.53 million, giving a free cash flow of $298.22 million.

Operating Cash Flow	321.75M
Capital Expenditures	-23.53M
Free Cash Flow	298.22M
FCF Per Share	$6.50

Margins

Gross Margin	n/a
Operating Margin	44.67%
Pretax Margin	42.13%
Profit Margin	30.40%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	46.64%

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 2.24%.

Dividend Per Share	$1.00
Dividend Yield	2.24%
Dividend Growth (YoY)	13.64%
Years of Dividend Growth	4
Payout Ratio	24.21%
Buyback Yield	1.08%
Shareholder Yield	3.32%
Earnings Yield	9.44%
FCF Yield	14.47%

Analyst Forecast

The average price target for OFG Bancorp is $48.33, which is 8.02% higher than the current price. The consensus rating is "Buy".

Price Target	$48.33
Price Target Difference	8.02%
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