OFG Bancorp
General ticker "OFG" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.9B (TTM average)
OFG Bancorp follows the US Stock Market performance with the rate: 43.3%.
Estimated limits based on current volatility of 1.4%: low 39.54$, high 40.62$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-31, amount 0.30$ (Y3.00%)
- Total employees count: 2246 (-0.1%) as of 2024
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Geopolitical risks, Cybersecurity threats, Ineffective risk management
- Price in estimated range
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [36.85$, 47.91$]
- 2025-12-31 to 2026-12-31 estimated range: [37.57$, 49.32$]
Financial Metrics affecting the OFG estimates:
- Negative: with PPE of 10.1 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 30.84 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 12.76
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 1.69
- Negative: Shareholder equity ratio, % of 10.91 <= 19.40
- Positive: Industry operating profit margin (median), % of 20.70 > 9.59
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
Short-term OFG quotes
Long-term OFG plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $598.51MM | $728.15MM | $822.77MM |
| Operating Expenses | $354.40MM | $462.90MM | $569.03MM |
| Operating Income | $244.10MM | $265.25MM | $253.75MM |
| Interest Expense | $33.49MM | $88.01MM | $161.84MM |
| Income(Loss) | $244.10MM | $265.25MM | $253.75MM |
| Taxes | $77.87MM | $83.38MM | $55.58MM |
| Profit(Loss)* | $166.24MM | $181.87MM | $198.17MM |
| Stockholders Equity | $1,042.41MM | $1,193.48MM | $1,254.37MM |
| Assets | $9,818.78MM | $11,344.45MM | $11,500.73MM |
| Operating Cash Flow | $164.46MM | $295.66MM | $252.50MM |
| Capital expenditure | $31.00MM | $17.86MM | $41.71MM |
| Investing Cash Flow | $-1,512.94MM | $-1,404.74MM | $-335.98MM |
| Financing Cash Flow | $-124.70MM | $1,306.80MM | $-73.56MM |
| Earnings Per Share** | $3.46 | $3.85 | $4.25 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.