Stock Scorecard
Stock Summary for OFG Bancorp (OFG) - $41.04 as of 3/25/2025 3:01:04 PM EST
Total Score
20 out of 30
Safety Score
63 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for OFG
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for OFG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for OFG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for OFG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for OFG (63 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for OFG
Financial Details for OFG
Company Overview |
|
|---|---|
| Ticker | OFG |
| Company Name | OFG Bancorp |
| Country | USA |
| Description | OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 12/31/2024 |
| Next Earnings Date | 4/16/2025 |
Stock Price History |
|
| Last Day Price | 41.04 |
| Price 4 Years Ago | 24.47 |
| Last Day Price Updated | 3/25/2025 3:01:04 PM EST |
| Last Day Volume | 258,784 |
| Average Daily Volume | 515,330 |
| 52-Week High | 47.38 |
| 52-Week Low | 32.59 |
| Last Price to 52 Week Low | 25.93% |
Valuation Measures |
|
| Trailing PE | 9.73 |
| Industry PE | 15.21 |
| Sector PE | 18.61 |
| 5-Year Average PE | 9.91 |
| Free Cash Flow Ratio | 2.74 |
| Industry Free Cash Flow Ratio | 3.68 |
| Sector Free Cash Flow Ratio | 16.36 |
| Current Ratio Most Recent Quarter | 1,301.98 |
| Total Cash Per Share | 14.98 |
| Book Value Per Share Most Recent Quarter | 27.61 |
| Price to Book Ratio | 1.49 |
| Industry Price to Book Ratio | 1.08 |
| Sector Price to Book Ratio | 2.70 |
| Price to Sales Ratio Twelve Trailing Months | 2.97 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.06 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 45,440,300 |
| Market Capitalization | 1,864,869,912 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 3/31/2025 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 4 |
| Trailing Annual Dividend Rate | 1.00 |
| Trailing Annual Dividend Yield | 2.49% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 2.99% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 2.36% |
| 5-Year Average Dividend Yield | 2.27% |
| 1-Year Dividend Growth Rate Percentage | 20.00% |
| 3-Year Dividend Growth Rate Percentage | 9.54% |
| 5-Year Dividend Growth Rate Percentage | 31.61% |
| All-Time Dividend Growth Rate Percentage | 13.37% |
| Dividend Payout Ratio | 23.64% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 10.20% |
| Annual Earnings Growth | 9.40% |
| Reported EPS 12 Trailing Months | 4.23 |
| Reported EPS Past Year | 4.22 |
| Reported EPS Prior Year | 3.78 |
| Net Income Twelve Trailing Months | 194,420,000 |
| Net Income Past Year | 181,872,000 |
| Net Income Prior Year | 166,239,000 |
| Quarterly Revenue Growth YOY | -6.20% |
| 5-Year Revenue Growth | -100.00% |
| Operating Margin Twelve Trailing Months | 37.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 680,587,000 |
| Total Cash Past Year | 748,173,000 |
| Total Cash Prior Year | 550,307,000 |
| Net Cash Position Most Recent Quarter | 409,760,000 |
| Net Cash Position Past Year | 547,403,000 |
| Long Term Debt Past Year | 200,770,000 |
| Long Term Debt Prior Year | 0 |
| Total Debt Most Recent Quarter | 270,827,000 |
| Equity to Debt Ratio Past Year | 0.86 |
| Equity to Debt Ratio Most Recent Quarter | 0.83 |
| Total Stockholder Equity Past Year | 1,193,480,000 |
| Total Stockholder Equity Prior Year | 1,042,406,000 |
| Total Stockholder Equity Most Recent Quarter | 1,318,132,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 298,218,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 6.56 |
| Free Cash Flow Past Year | 277,800,000 |
| Free Cash Flow Prior Year | 133,457,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.56 |
| MACD Signal | -0.62 |
| 20-Day Bollinger Lower Band | 39.73 |
| 20-Day Bollinger Middle Band | 42.74 |
| 20-Day Bollinger Upper Band | 45.74 |
| Beta | 0.97 |
| RSI | 43.21 |
| 50-Day SMA | 40.92 |
| 150-Day SMA | 32.38 |
| 200-Day SMA | 30.12 |
System |
|
| Modified | 3/26/2025 3:29:40 AM EST |