OFG Ofg Bancorp
Price (delayed)
$38.01
Market cap
$1.73B
P/E Ratio
8.94
Dividend/share
$1.05
EPS
$4.25
Enterprise value
$1.56B
Now in its 56th year in business, OFG Bancorp is a diversified financial holding company that operates under U.S., Puerto Rico and U.S. Virgin Islands banking laws and regulations. Its
Highlights
OFG's P/E is 17% below its 5-year quarterly average of 10.7 and 9% below its last 4 quarters average of 9.8
The company's EPS rose by 10% YoY and by 2.4% QoQ
The company's equity rose by 5% YoY but it fell by 4.8% QoQ
The debt has soared by 88% year-on-year and by 44% since the previous quarter
Key stats
What are the main financial stats of OFG
Market
Valuations
Earnings
Shares outstanding
45.39M
Market cap
$1.73B
Enterprise value
$1.56B
Price to earnings (P/E)
8.94
Price to book (P/B)
1.39
Price to sales (P/S)
2.83
EV/EBIT
6.14
EV/EBITDA
5.67
EV/Sales
2.47
Revenue
$629.44M
Gross profit
$629.44M
Operating income
$253.75M
Net income
$198.17M
EBIT
$253.75M
EBITDA
$274.62M
Free cash flow
$231.17M
Per share
Balance sheet
Liquidity
EPS
$4.25
EPS diluted
$4.23
Free cash flow per share
$4.93
Book value per share
$27.33
Revenue per share
$13.42
TBVPS
$241.59
Total assets
$11.5B
Total liabilities
$10.25B
Debt
$422.56M
Equity
$1.25B
Working capital
N/A
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.61
Margins
Efficiency
Dividend
EBITDA margin
43.6%
Gross margin
100%
Net margin
31.5%
Operating margin
40.3%
Return on assets
1.7%
Return on equity
15.8%
Return on invested capital
2.4%
Return on capital employed
N/A
Return on sales
40.3%
Dividend yield
2.76%
DPS
$1.05
Payout ratio
24.7%
OFG stock price
How has the Ofg Bancorp stock price performed over time
Intraday
0.56%
1 week
6.14%
1 month
-7.68%
1 year
4.25%
YTD
-10.18%
QTD
-5.02%
Financial performance
How have Ofg Bancorp's revenue and profit performed over time
Revenue
$629.44M
Gross profit
$629.44M
Operating income
$253.75M
Net income
$198.17M
Gross margin
100%
Net margin
31.5%
The net margin is up by 9% year-on-year and by 3.6% since the previous quarter
OFG's net income is up by 9% year-on-year
Ofg Bancorp's operating income has decreased by 6% QoQ and by 4.3% YoY
Ofg Bancorp's operating margin has decreased by 4.5% YoY and by 4.3% from the previous quarter
Growth
What is Ofg Bancorp's growth rate over time
Valuation
What is Ofg Bancorp stock price valuation
P/E
8.94
P/B
1.39
P/S
2.83
EV/EBIT
6.14
EV/EBITDA
5.67
EV/Sales
2.47
OFG's P/E is 17% below its 5-year quarterly average of 10.7 and 9% below its last 4 quarters average of 9.8
The company's EPS rose by 10% YoY and by 2.4% QoQ
OFG's price to book (P/B) is 15% higher than its 5-year quarterly average of 1.2 but 8% lower than its last 4 quarters average of 1.5
The company's equity rose by 5% YoY but it fell by 4.8% QoQ
OFG's price to sales (P/S) is 18% higher than its 5-year quarterly average of 2.4 but 6% lower than its last 4 quarters average of 3.0
Efficiency
How efficient is Ofg Bancorp business performance
The ROIC has contracted by 11% YoY and by 4% from the previous quarter
The company's return on sales fell by 4.5% YoY and by 4.3% QoQ
The ROE has contracted by 2.5% YoY
Dividends
What is OFG's dividend history
DPS
$1.05
Dividend yield
2.76%
Payout ratio
24.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Ofg Bancorp financials performed over time
Ofg Bancorp's total assets is 12% more than its total liabilities
The debt is 66% smaller than the equity
The debt has soared by 88% year-on-year and by 44% since the previous quarter
The debt to equity has surged by 79% year-on-year and by 55% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.