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XNYSOFG
Market cap1.99bUSD
Dec 26, Last price  
43.35USD
1D
0.18%
1Q
-2.39%
Jan 2017
230.92%
Name

OFG Bancorp

Chart & Performance

D1W1MN
XNYS:OFG chart
P/E
10.94
P/S
3.17
EPS
3.96
Div Yield, %
2.06%
Shrs. gr., 5y
-1.52%
Rev. gr., 5y
10.45%
Revenues
629m
+2.42%
121,298,000121,298,00061,364,000116,232,00099,069,000206,570,000157,496,000191,239,000199,994,000426,124,000425,798,000348,308,000345,697,000370,233,000382,437,000393,473,000476,294,000540,580,000613,770,000628,613,000
Net income
182m
+9.40%
63,649,00056,612,000-5,106,00041,265,00026,790,00022,945,0009,834,00034,450,00024,555,00098,446,00085,181,000-2,504,00059,186,00052,646,00084,410,00054,189,00074,327,000146,151,000166,239,000181,872,000
CFO
296m
+79.78%
-42,523,000-24,186,000-58,819,000-38,867,000-14,502,000-43,994,000-23,903,000-34,291,00050,240,000173,816,000175,000,00097,082,00078,512,000151,440,000133,355,000109,617,000-88,621,000100,044,000164,456,000295,657,000
Dividend
Dec 31, 20240 USD/sh
Earnings
Jan 22, 2025

Profile

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.
URL
https://www.ofgbancorp.com/overview/default.aspx
IPO date
Mar 26, 1987
Employees
2,257
Domiciled in
PR
Incorporated in
PR

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
628,613
2.42%
613,770
13.54%
540,580
13.50%
Cost of revenue
176,415
302,978
279,973
Unusual Expense (Income)
NOPBT
452,198
310,792
260,607
NOPBT Margin
71.94%
50.64%
48.21%
Operating Taxes
83,376
77,866
68,452
Tax Rate
18.44%
25.05%
26.27%
NOPAT
368,822
232,926
192,155
Net income
181,872
9.40%
166,239
13.74%
146,151
96.63%
Dividends
(41,011)
(30,090)
(20,973)
Dividend yield
2.30%
2.25%
1.54%
Proceeds from repurchase of equity
(18,653)
(64,110)
(141,589)
BB yield
1.05%
4.80%
10.38%
Debt
Debt current
35,939
37,707
Long-term debt
248,828
81,774
125,567
Deferred revenue
8,593,555
(94,620)
Other long-term liabilities
9,926,174
(54,404)
(95,069)
Net debt
142,739
(3,816,892)
(3,260,941)
Cash flow
Cash from operating activities
295,657
164,456
100,044
CAPEX
(17,857)
(30,999)
(23,053)
Cash from investing activities
(1,404,745)
(1,512,937)
(182,934)
Cash from financing activities
1,306,797
(124,705)
(49,037)
FCF
(2,744,124)
816,837
807,305
Balance
Cash
73,121
1,963,083
2,534,363
Long term investments
32,968
1,971,522
889,852
Excess cash
74,658
3,903,916
3,397,186
Stockholders' equity
783,163
616,748
582,671
Invested Capital
11,269,795
3,813,006
3,886,886
ROIC
4.89%
6.05%
4.63%
ROCE
3.99%
6.74%
5.59%
EV
Common stock shares outstanding
47,552
48,436
51,370
Price
37.48
35.99%
27.56
3.77%
26.56
43.26%
Market cap
1,782,249
33.51%
1,334,896
-2.16%
1,364,387
42.74%
EV
1,924,988
(2,481,996)
(1,896,554)
EBITDA
479,484
335,104
284,538
EV/EBITDA
4.01
Interest
88,010
33,493
41,829
Interest/NOPBT
19.46%
10.78%
16.05%