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Price (delayed)
$44.74
Market cap
$2.05B
P/E Ratio
10.78
Dividend/share
$1
EPS
$4.15
Enterprise value
$1.67B
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
The company's equity rose by 20% YoY and by 7% QoQ
The company's EPS rose by 9% YoY
The debt has declined by 38% year-on-year but it is up by 31% since the previous quarter
OFG's P/E is 10% above its last 4 quarters average of 9.8 but 4.6% below its 5-year quarterly average of 11.3
Key stats
What are the main financial stats of OFG
Market
Valuations
Earnings
Shares outstanding
45.9M
Market cap
$2.05B
Enterprise value
$1.67B
Price to earnings (P/E)
10.78
Price to book (P/B)
1.58
Price to sales (P/S)
3.28
EV/EBIT
6.19
EV/EBITDA
5.74
EV/Sales
2.61
Revenue
$639.46M
Gross profit
$639.46M
Net income
$194.42M
EBIT
$269.39M
EBITDA
$290.52M
Free cash flow
$298.22M
Per share
Balance sheet
Liquidity
EPS
$4.15
EPS diluted
$4.12
Free cash flow per share
$6.37
Book value per share
$28.31
Revenue per share
$13.65
TBVPS
$241.05
Total assets
$11.46B
Total liabilities
$10.14B
Debt
$293.43M
Equity
$1.32B
Working capital
N/A
Debt to equity
0.22
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.33
Margins
Efficiency
Dividend
EBITDA margin
45.4%
Gross margin
100%
Net margin
30.4%
Operating margin
42.1%
Return on assets
1.7%
Return on equity
15.7%
Return on invested capital
2.5%
Return on capital employed
N/A
Return on sales
42.1%
Dividend yield
2.24%
DPS
$1
Payout ratio
24.1%
OFG stock price
How has the Ofg Bancorp stock price performed over time
Intraday
1.13%
1 week
4.51%
1 month
7.01%
1 year
26.49%
YTD
5.72%
QTD
5.72%
Financial performance
How have Ofg Bancorp's revenue and profit performed over time
Revenue
$639.46M
Gross profit
$639.46M
Operating income
$269.39M
Net income
$194.42M
Gross margin
100%
Net margin
30.4%
OFG's net income is up by 7% year-on-year
The net margin is up by 4.8% year-on-year
The gross profit has grown by 2.2% YoY
The revenue has grown by 2.2% YoY
Growth
What is Ofg Bancorp's growth rate over time
Valuation
What is Ofg Bancorp stock price valuation
P/E
10.78
P/B
1.58
P/S
3.28
EV/EBIT
6.19
EV/EBITDA
5.74
EV/Sales
2.61
OFG's P/E is 10% above its last 4 quarters average of 9.8 but 4.6% below its 5-year quarterly average of 11.3
The company's EPS rose by 9% YoY
OFG's price to book (P/B) is 44% higher than its 5-year quarterly average of 1.1 and 5% higher than its last 4 quarters average of 1.5
The company's equity rose by 20% YoY and by 7% QoQ
OFG's price to sales (P/S) is 43% higher than its 5-year quarterly average of 2.3 and 13% higher than its last 4 quarters average of 2.9
The revenue has grown by 2.2% YoY
Efficiency
How efficient is Ofg Bancorp business performance
The ROIC has contracted by 11% YoY and by 3.8% from the previous quarter
The ROE has contracted by 7% YoY and by 3.7% from the previous quarter
Ofg Bancorp's return on assets has decreased by 6% YoY
Dividends
What is OFG's dividend history
DPS
$1
Dividend yield
2.24%
Payout ratio
24.1%
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 13% more than its total liabilities
Ofg Bancorp's total assets has increased by 12% YoY
Ofg Bancorp's total liabilities has increased by 11% YoY
The debt is 78% smaller than the equity
The debt to equity has declined by 49% year-on-year but it has increased by 22% since the previous quarter
The debt has declined by 38% year-on-year but it is up by 31% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.