OFG BANCORP (OFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OFG - PR67103X1020 - Common Stock
42.2 USD
+0.4 (+0.96%)
42.2 USD
0 (0%)
OFG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. While OFG is still in line with the averages on profitability rating, there are concerns on its financial health. OFG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year OFG was profitable.
In the past year OFG had a positive cash flow from operations.
Each year in the past 5 years OFG has been profitable.
Each year in the past 5 years OFG had a positive operating cash flow.
1.2 Ratios
OFG's Return On Assets of 1.63% is amongst the best of the industry. OFG outperforms 91.95% of its industry peers.
With an excellent Return On Equity value of 14.51%, OFG belongs to the best of the industry, outperforming 92.21% of the companies in the same industry.
| 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
With a decent Profit Margin value of 27.34%, OFG is doing good in the industry, outperforming 67.79% of the companies in the same industry.
In the last couple of years the Profit Margin of OFG has grown nicely.
The Operating Margin and Gross Margin are not available for OFG so they could not be analyzed.
| 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.
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.
2.2 Solvency
OFG has a debt to FCF ratio of 0.57. This is a very positive value and a sign of high solvency as it would only need 0.57 years to pay back of all of its debts.
OFG has a Debt to FCF ratio of 0.57. This is in the better half of the industry: OFG outperforms 78.44% 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.
With a decent Debt to Equity ratio value of 0.07, OFG is doing good in the industry, outperforming 74.55% 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
WACC12.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.11% over the past year.
OFG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.75% yearly.
The Revenue has been growing slightly by 2.61% in the past year.
Measured over the past years, OFG shows a quite strong growth in Revenue. The Revenue has been growing by 11.92% on average per year.
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 4.93% yearly.
OFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.86% yearly.
EPS Next Y7.22%
EPS Next 2Y4.24%
EPS Next 3Y4.93%
EPS Next 5YN/A
Revenue Next Year4.02%
Revenue Next 2Y2.55%
Revenue Next 3Y2.86%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 9.59, the valuation of OFG can be described as very reasonable.
85.97% of the companies in the same industry are more expensive than OFG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of OFG to the average of the S&P500 Index (26.56), we can say OFG is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.20, the valuation of OFG can be described as very reasonable.
Based on the Price/Forward Earnings ratio, OFG is valued a bit cheaper than the industry average as 76.62% of the companies are valued more expensively.
OFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.59 | ||
| Fwd PE | 9.2 |
4.2 Price Multiples
OFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OFG is cheaper than 65.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.48 | ||
| 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)1.33
PEG (5Y)0.36
EPS Next 2Y4.24%
EPS Next 3Y4.93%
5. Dividend
5.1 Amount
OFG has a Yearly Dividend Yield of 2.87%.
OFG's Dividend Yield is comparable with the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, OFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
5.2 History
On average, the dividend of OFG grows each year by 19.38%, which is quite nice.
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 2Y4.24%
EPS Next 3Y4.93%
42.2
+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-6.86%
Market Cap1.86B
Revenue(TTM)729.82M
Net Income(TTM)199.56M
Analysts77.5
Price Target49.22 (16.64%)
Short Float %1.63%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
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)-2.53%
PT rev (3m)-3.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.22%
EPS NY rev (1m)0%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.59 | ||
| Fwd PE | 9.2 | ||
| P/S | 2.54 | ||
| P/FCF | 10.48 | ||
| P/OCF | 9.43 | ||
| P/B | 1.35 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.4
EY10.43%
EPS(NY)4.59
Fwd EY10.87%
FCF(TTM)4.03
FCFY9.54%
OCF(TTM)4.48
OCFY10.61%
SpS16.6
BVpS31.29
TBVpS27.59
PEG (NY)1.33
PEG (5Y)0.36
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
WACC12.76%
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 Y7.22%
EPS Next 2Y4.24%
EPS Next 3Y4.93%
EPS Next 5YN/A
Revenue 1Y (TTM)2.61%
Revenue growth 3Y9.6%
Revenue growth 5Y11.92%
Sales Q2Q%4.63%
Revenue Next Year4.02%
Revenue Next 2Y2.55%
Revenue Next 3Y2.86%
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 6 / 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 9.59 and the Price/Book (PB) ratio is 1.35.
Can you provide the financial health for OFG stock?
The financial health rating of OFG BANCORP (OFG) is 3 / 10.