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Price (delayed)
$39.53
Market cap
$1.84B
P/E Ratio
9.67
Dividend/share
$0.97
EPS
$4.09
Enterprise value
$1.32B
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 12% YoY
The debt has declined by 11% year-on-year
OFG's P/E is 19% below its 5-year quarterly average of 12.1 but 9% above its last 4 quarters average of 9.0
Key stats
What are the main financial stats of OFG
Market
Valuations
Earnings
Shares outstanding
46.56M
Market cap
$1.84B
Enterprise value
$1.32B
Price to book (P/B)
1.51
Price to sales (P/S)
2.9
EV/EBIT
4.84
EV/EBITDA
4.5
EV/Sales
2.06
Revenue
$642.14M
EBIT
$273.51M
EBITDA
$294.28M
Free cash flow
$331.3M
Per share
Balance sheet
Liquidity
EPS
$4.09
Free cash flow per share
$7.03
Book value per share
$26.12
Revenue per share
$13.62
TBVPS
$235.67
Total assets
$11.26B
Total liabilities
$10.03B
Debt
$223.35M
Equity
$1.23B
Working capital
N/A
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.76
Margins
Efficiency
Dividend
EBITDA margin
45.8%
Gross margin
100%
Net margin
29.9%
Operating margin
42.6%
Return on assets
1.7%
Return on equity
16.3%
Return on invested capital
2.6%
Return on capital employed
N/A
Return on sales
42.6%
Dividend yield
2.45%
DPS
$0.97
Payout ratio
23.7%
OFG stock price
How has the Ofg Bancorp stock price performed over time
Intraday
-1.42%
1 week
-4.4%
1 month
-11.15%
1 year
37.07%
YTD
5.47%
QTD
-12%
Financial performance
How have Ofg Bancorp's revenue and profit performed over time
Revenue
$642.14M
Gross profit
$642.14M
Operating income
$273.51M
Net income
$192.29M
Gross margin
100%
Net margin
29.9%
OFG's net income is up by 8% year-on-year and by 3.8% since the previous quarter
Ofg Bancorp's operating income has increased by 4.6% YoY and by 2% QoQ
The net margin is up by 3.8% year-on-year and by 2% since the previous quarter
The gross profit has grown by 3.6% YoY
Growth
What is Ofg Bancorp's growth rate over time
Valuation
What is Ofg Bancorp stock price valuation
P/E
9.67
P/B
1.51
P/S
2.9
EV/EBIT
4.84
EV/EBITDA
4.5
EV/Sales
2.06
OFG's P/E is 19% below its 5-year quarterly average of 12.1 but 9% above its last 4 quarters average of 9.0
The company's EPS rose by 9% YoY and by 4.1% QoQ
OFG's price to book (P/B) is 40% higher than its 5-year quarterly average of 1.1 and 10% higher than its last 4 quarters average of 1.4
The company's equity rose by 12% YoY
OFG's price to sales (P/S) is 23% higher than its 5-year quarterly average of 2.4 and 9% higher than its last 4 quarters average of 2.7
The revenue has grown by 3.6% YoY
Efficiency
How efficient is Ofg Bancorp business performance
The ROIC has contracted by 7% YoY
Ofg Bancorp's return on assets has decreased by 6% YoY
The ROE has contracted by 3.6% YoY
Dividends
What is OFG's dividend history
DPS
$0.97
Dividend yield
2.45%
Payout ratio
23.7%
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
Ofg Bancorp's total liabilities has increased by 12% YoY
Ofg Bancorp's total assets has increased by 12% YoY
The debt is 82% smaller than the equity
The debt to equity has declined by 22% year-on-year
The company's equity rose by 12% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.