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OFG Bancorp

Financial Services US OFG

46.85USD
0.42(0.90%)

Last update at 2026-06-09T17:50:00Z

Day Range

46.6347.62
LowHigh

52 Week Range

21.9838.47
LowHigh

Fundamentals

  • Previous Close 46.43
  • Market Cap1776.43M
  • Volume107674
  • P/E Ratio9.91
  • Dividend Yield2.33%
  • Revenue TTM625.86M
  • Revenue Per Share TTM13.21
  • Gross Profit TTM 589.61M
  • Diluted EPS TTM3.81

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 244.10M 214.60M 94.83M 75.81M 132.80M
Minority interest - - - - -
Net income 166.24M 146.15M 74.33M 54.19M 84.41M
Selling general administrative 294.74M 272.97M 145.52M 167.08M 160.44M
Selling and marketing expenses 8.24M 7.00M 5.85M 5.21M 5.08M
Gross profit 613.77M 540.58M 476.29M 393.47M 382.44M
Reconciled depreciation 24.31M 23.93M 23.76M 9.68M 10.22M
Ebit 277.60M 214.60M 94.83M 75.81M 177.32M
Ebitda 301.91M 238.53M 118.58M 85.49M 187.54M
Depreciation and amortization 24.31M 23.93M 23.76M 9.68M 10.22M
Non operating income net other - - - - -
Operating income 277.60M 214.60M 94.83M 75.81M 177.32M
Other operating expenses 230.91M 325.98M 381.47M 317.67M 179.07M
Interest expense 33.49M 41.83M 64.92M 51.00M 44.52M
Tax provision 77.87M 68.45M 20.50M 21.41M 48.39M
Interest income 515.57M 449.20M 473.35M 373.80M 360.42M
Net interest income 482.08M 407.37M 408.43M 322.79M 315.89M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 77.87M 68.45M 20.50M 21.62M 48.39M
Total revenue 613.77M 540.58M 476.29M 393.47M 382.44M
Total operating expenses 230.91M -325.97700M -381.46800M -317.66600M -179.06800M
Cost of revenue - - - - 26.04M
Total other income expense net -33.49300M -41.82900M -64.91500M -51.00200M -44.52500M
Discontinued operations - - - - -
Net income from continuing ops 166.24M 146.15M 74.33M 53.84M 84.41M
Net income applicable to common shares 166.24M 144.90M 67.81M 47.33M 72.39M
Preferred stock and other adjustments - 1.25M 6.51M 6.51M 12.02M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 9818.78M 9899.72M 9826.01M 9297.45M 6583.35M
Intangible assets 78.51M 85.07M 93.19M 107.74M 14.09M
Earning assets - 1111.52M 626.74M 1214.38M 1350.03M
Other current assets 131.75M 6032.29M 6336.13M 5867.40M 3784.08M
Total liab 8776.37M 95.07M 134.92M 155.13M 5583.48M
Total stockholder equity 1042.41M 1069.16M 1085.97M 1045.83M 999.88M
Deferred long term liab - - - - -
Other current liab 8568.36M 35.33M 8415.64M 8214.91M 5355.39M
Common stock 59.88M 59.88M 59.88M 59.88M 59.88M
Capital stock 59.88M 59.88M 151.88M 151.88M 151.88M
Retained earnings 516.37M 399.95M 300.10M 279.99M 253.04M
Other liab 0.87M 0.80M 0.73M 2.67M 0.88M
Good will 84.24M 86.07M 86.07M 86.07M 86.07M
Other assets 5465.41M 6001.47M 6336.13M 5843.15M 8019.36M
Cash 550.46M 2023.65M 2154.20M 852.76M 450.06M
Cash and equivalents - - - - -
Total current liabilities 8721.97M 8735.49M 8603.41M 8214.91M 5355.39M
Current deferred revenue - - - - -
Net debt -496.06000M -1928.58100M -2019.28500M -697.63000M -335.14600M
Short term debt 28.61M 35.33M 33.35M 327.16M 587.36M
Short long term debt - - - 50.27M 50.00M
Short long term debt total 54.40M 95.07M 134.92M 155.13M 114.92M
Other stockholder equity 425.66M 486.49M 519.70M 519.18M 515.75M
Property plant equipment 132.18M 120.97M 83.79M 81.11M 68.89M
Total current assets 2086.91M 2716.30M 2745.03M 2065.17M 5147.35M
Long term investments 1971.52M 889.85M 6505.24M 6642.45M 1279.95M
Net tangible assets 930.57M 947.00M 862.01M 810.44M 729.81M
Short term investments 1412.78M 510.71M 446.44M 1074.17M 841.86M
Net receivables 152.66M 181.93M 144.39M 138.24M 105.98M
Long term debt 27.03M 64.57M 38.50M 0.91M 0.33M
Inventory 15.83M 16.98M 13.41M 33.24M -31.61000M
Accounts payable 125.00M 8603.12M 154.42M 185.66M 87.67M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 40.49M 122.84M 114.29M 94.77M 79.20M
Additional paid in capital - - - - -
Common stock total equity 59.88M 59.88M 59.88M 59.88M 59.88M
Preferred stock total equity - - 92.00M 92.00M 184.00M
Retained earnings total equity 516.37M 399.95M 300.10M 279.65M 253.04M
Treasury stock -211.13500M -150.57200M -102.94900M -102.33900M -103.63300M
Accumulated amortization - - - - -
Non currrent assets other -2266.46000M -2.62700M -2.63700M -1389.13500M 14.09M
Deferred long term asset charges - - - - -
Non current assets total 2266.46M 1181.96M 744.85M 1389.13M 1436.01M
Capital lease obligations 27.37M 30.50M 32.57M 39.84M -
Long term debt total 0.32M 36.89M 38.50M 0.91M 0.33M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1536.58700M -205.41700M 890.90M 732.95M -530.00100M
Change to liabilities -34.11700M 17.52M -27.97400M -19.67300M -0.53900M
Total cashflows from investing activities -1512.93700M -182.93400M 881.08M 842.17M -488.76700M
Net borrowings -36.50500M -39.17400M -190.06300M -264.73000M 262.22M
Total cash from financing activities -124.70500M -49.03700M 510.36M -549.09600M 317.24M
Change to operating activities -0.69400M 6.79M -31.68900M -21.22900M 4.05M
Net income 166.24M 146.15M 74.33M 53.84M 84.41M
Change in cash -1473.18600M -131.92700M 1302.82M 402.69M -38.17000M
Begin period cash flow 2023.65M 2155.58M 852.76M 450.06M 488.23M
End period cash flow 550.46M 2023.65M 2155.58M 852.76M 450.06M
Total cash from operating activities 164.46M 100.04M -88.62100M 109.62M 133.35M
Issuance of capital stock - - - - -
Depreciation 24.31M 23.93M 23.76M 9.68M 10.22M
Other cashflows from investing activities 54.65M 45.54M 5.44M 122.19M 52.73M
Dividends paid 30.09M 20.97M 20.89M 20.88M 24.82M
Change to inventory - - - - -
Change to account receivables -5.79100M 8.68M -34.13600M 9.99M 17.20M
Sale purchase of stock -64.11000M -141.87200M -2.22600M - 0.51M
Other cashflows from financing activities -30.50500M 113.81M 533.48M -528.21200M 342.06M
Change to netincome -7.00000M -70.97700M -117.21300M 61.44M 3.05M
Capital expenditures 31.00M 23.05M 15.26M 12.97M 11.49M
Change receivables -5.82500M 9.54M -23.59800M 1.90M 15.71M
Cash flows other operating 23.79M -19.03800M -11.82900M -7.16100M 10.15M
Exchange rate changes - - - - -
Cash and cash equivalents changes -1473.18600M -131.92700M 1302.82M 402.69M -38.17000M
Change in working capital -6.51900M 16.33M -55.27200M -19.00200M 19.60M
Stock based compensation 4.18M 6.25M 2.17M 2.13M 1.40M
Other non cash items -84.88700M -156.22900M -161.44800M 67.03M 2.96M
Free cash flow 133.46M 76.99M -103.88400M 96.65M 121.86M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
OFG
OFG Bancorp		 0.42 0.90% 46.85 9.91 - 2.79 1.59
HDB
HDFC Bank Limited ADR		 0.23 1.02% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.27 0.88% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto leasing, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. In addition, it provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. Further, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Additionally, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.

OFG Bancorp

254 MuNoz Rivera Avenue, San Juan, PR, United States, 00918

Key Executives

Name Title Year Born
Mr. Jose Rafael Fernandez Pres, CEO & Vice Chairman 1964
Ms. Maritza Arizmendi Diaz CPA, CPA, Esq. Chief Financial Officer 1968
Dr. Ganesh Kumar Chief Operating Officer 1964
Mr. Jose E. Cabrera Lazaro Chief Risk & Compliance Officer 1971
Krisen Aguirre Torres VP Financial Reporting & Accounting Control NA
Mr. Gary M. Fishman IR Contact NA
Hugh Gonzalez-Robison Gen. Counsel NA
Ms. Jennifer Zapata Nazario Sr. VP of HR NA
Mr. Luis Alejandro CPA, C.I.S.A. Sr. VP and Sr. VP of Branch Admin. 1961
General Carlos A. Viña CPA Sr. VP of Oriental Insurance 1967

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