OFG BANCORP (OFG)
PR67103X1020 - Common Stock
Overall OFG gets a fundamental rating of 5 out of 10. We evaluated OFG against 406 industry peers in the Banks industry. OFG has only an average score on both its financial health and profitability. OFG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
OFG had positive earnings in the past year.
In the past year OFG had a positive cash flow from operations.
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
OFG has a Return On Assets of 1.70%. This is amongst the best in the industry. OFG outperforms 94.06% of its industry peers.
The Return On Equity of OFG (14.75%) is better than 92.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 14.75% | ||
| ROIC | N/A |
ROA(3y)1.59%
ROA(5y)1.19%
ROE(3y)14.91%
ROE(5y)11.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of OFG (27.34%) is better than 75.00% of its industry peers.
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 3Y27.52%
PM growth 5Y7.61%
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.
Compared to 5 years ago, OFG has less shares outstanding
The debt/assets ratio for OFG has been reduced compared to a year ago.
2.2 Solvency
There is no outstanding debt for OFG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.22%
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 been growing slightly by 6.82% over the past year.
The Earnings Per Share has been growing by 19.99% on average over the past years. This is quite good.
Looking at the last year, OFG shows a small growth in Revenue. The Revenue has grown by 5.29% in the last year.
OFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.72% yearly.
EPS 1Y (TTM)6.82%
EPS 3Y42.37%
EPS 5Y19.99%
EPS Q2Q%5.26%
Revenue 1Y (TTM)5.29%
Revenue growth 3Y8.96%
Revenue growth 5Y11.72%
Sales Q2Q%4.29%
3.2 Future
Based on estimates for the next years, OFG will show a small growth in Earnings Per Share. The EPS will grow by 4.43% on average per year.
OFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.52% yearly.
EPS Next Y9.82%
EPS Next 2Y2.77%
EPS Next 3Y4.43%
EPS Next 5YN/A
Revenue Next Year5.08%
Revenue Next 2Y3.03%
Revenue Next 3Y3.52%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.27, the valuation of OFG can be described as reasonable.
Based on the Price/Earnings ratio, OFG is valued cheaper than 82.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of OFG to the average of the S&P500 Index (27.73), we can say OFG is valued rather cheaply.
OFG is valuated reasonably with a Price/Forward Earnings ratio of 10.47.
OFG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. OFG is cheaper than 69.06% 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 22.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
OFG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OFG is cheaper than 87.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.83 | ||
| 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)1.05
PEG (5Y)0.51
EPS Next 2Y2.77%
EPS Next 3Y4.43%
5. Dividend
5.1 Amount
OFG has a Yearly Dividend Yield of 2.28%.
OFG's Dividend Yield is slightly below the industry average, which is at 3.02.
OFG's Dividend Yield is comparable with the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
5.2 History
On average, the dividend of OFG grows each year by 10.71%, 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)10.71%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
OFG pays out 22.93% of its income as dividend. This is a sustainable payout ratio.
The dividend of OFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.93%
EPS Next 2Y2.77%
EPS Next 3Y4.43%
OFG BANCORP
NYSE:OFG (12/20/2024, 8:04:00 PM)
After market: 41.81 0 (0%)41.81
+0.81 (+1.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.74%
Inst Owner Change-0.86%
Ins Owners2.41%
Ins Owner Change-17.06%
Market Cap1.92B
Analysts80
Price Target50.11 (19.85%)
Short Float %1.11%
Short Ratio1.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Dividend Growth(5Y)10.71%
DP22.93%
Div Incr Years4
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.35%
Min EPS beat(2)-2.69%
Max EPS beat(2)11.39%
EPS beat(4)3
Avg EPS beat(4)4.55%
Min EPS beat(4)-2.69%
Max EPS beat(4)11.39%
EPS beat(8)7
Avg EPS beat(8)4.72%
EPS beat(12)10
Avg EPS beat(12)4.76%
EPS beat(16)13
Avg EPS beat(16)8.61%
Revenue beat(2)0
Avg Revenue beat(2)-7.43%
Min Revenue beat(2)-10.46%
Max Revenue beat(2)-4.39%
Revenue beat(4)1
Avg Revenue beat(4)-3.92%
Min Revenue beat(4)-10.46%
Max Revenue beat(4)0.36%
Revenue beat(8)4
Avg Revenue beat(8)4%
Revenue beat(12)8
Avg Revenue beat(12)13.55%
Revenue beat(16)12
Avg Revenue beat(16)17.8%
PT rev (1m)1.29%
PT rev (3m)2.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-9.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 10.47 | ||
| P/S | 2.7 | ||
| P/FCF | 6.83 | ||
| P/OCF | 5.96 | ||
| P/B | 1.46 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.07
EY9.73%
EPS(NY)3.99
Fwd EY9.55%
FCF(TTM)6.12
FCFY14.65%
OCF(TTM)7.01
OCFY16.77%
SpS15.5
BVpS28.72
TBVpS25.04
PEG (NY)1.05
PEG (5Y)0.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.7% | ||
| ROE | 14.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.34% | ||
| GM | N/A | ||
| FCFM | 39.52% |
ROA(3y)1.59%
ROA(5y)1.19%
ROE(3y)14.91%
ROE(5y)11.1%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y27.52%
PM growth 5Y7.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 149.14% | ||
| Cap/Sales | 5.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 144.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.22%
ROIC/WACCN/A
Cap/Depr(3y)96.53%
Cap/Depr(5y)97.58%
Cap/Sales(3y)3.97%
Cap/Sales(5y)3.6%
Profit Quality(3y)95.37%
Profit Quality(5y)103.88%
High Growth Momentum
Growth
EPS 1Y (TTM)6.82%
EPS 3Y42.37%
EPS 5Y19.99%
EPS Q2Q%5.26%
EPS Next Y9.82%
EPS Next 2Y2.77%
EPS Next 3Y4.43%
EPS Next 5YN/A
Revenue 1Y (TTM)5.29%
Revenue growth 3Y8.96%
Revenue growth 5Y11.72%
Sales Q2Q%4.29%
Revenue Next Year5.08%
Revenue Next 2Y3.03%
Revenue Next 3Y3.52%
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 1Y213.27%
FCF growth 3Y141.6%
FCF growth 5Y17.91%
OCF growth 1Y160.64%
OCF growth 3Y103.66%
OCF growth 5Y17.25%