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OFG Bancorp

OFG Bancorp

OFG
OFG BancorpUS flagNew York Stock Exchange
53.22
USD
+0.40
- -
2.25BMarket Cap

Total Valuation

OFG Bancorp carries a market capitalization of 2.25B, placing it among publicly traded companies globally. Its enterprise value stands at 1.80B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap2.25B
Enterprise Value1.80B

Share Statistics

OFG Bancorp currently has 42.27M shares outstanding.

Shares Outstanding42.27M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

OFG Bancorp trades at a trailing price-to-earnings ratio of 9.64. The price-to-sales ratio is 3.05, and the price-to-book ratio stands at 1.47.

PE Ratio9.64
PS Ratio3.05
PB Ratio1.47
P/TBV Ratio1.66
P/FCF Ratio8.62
P/OCF Ratio9.45

Enterprise Valuation

On an enterprise value basis, OFG Bancorp trades at an EV/EBITDA multiple of 73.94 and an EV/FCF ratio of 7.29.

EV / Sales2.59
EV / EBITDA73.94
EV / EBITN/A
EV / FCF7.29

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity33.96
Debt / EBITDA19.59
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)16.08
Return on Assets (ROA)1.81
Return on Invested Capital (ROIC)N/A
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, OFG Bancorp has paid 31.62M in income taxes, reflecting an effective tax rate of 12.55.

Income Tax31.62M
Effective Tax Rate12.55

Stock Price Statistics

OFG Bancorp's stock has gained approximately 18.79464% over the past 52 weeks. The 50-day moving average sits at 51.69, while the 200-day moving average is 44.74.

Beta (5Y)N/A
52-Week Price Change18.79464%
50-Day Moving Average51.69
200-Day Moving Average44.74
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, OFG Bancorp generated 696.03M in revenue and converted that into 220.45M in net income, yielding earnings per share of 5.07.

Revenue696.03M
Gross ProfitN/A
Operating IncomeN/A
Pretax Income252.07M
Net Income220.45M
EBITDA24.40M
EBITN/A
Earnings Per Share (EPS)5.07

Balance Sheet

OFG Bancorp holds 747.86M in cash and equivalents against 477.91M in total debt, resulting in a net debt position of -289.18M.

Cash & Cash Equivalents747.86M
Total Debt477.91M
Net Debt-289.18M
Equity (Book Value)1.41B
Book Value Per Share33.30
Working CapitalN/A

Cash Flow

OFG Bancorp produced 225.03M in operating cash flow over the past twelve months. After subtracting -22.37M in capital expenditures, free cash flow totaled 202.66M - equivalent to 4.68 per share.

Operating Cash Flow225.03M
Capital Expenditures-22.37M
Free Cash Flow202.66M
FCF Per Share4.68

Margins

OFG Bancorp operates with a gross margin of 100.00, reflecting its pricing power and cost economics.

Gross Margin100.00
Operating MarginN/A
Pretax Margin36.22
Profit Margin31.67
EBITDA Margin3.51

Dividends & Yields

The company's payout ratio of 24.86 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share1.27
Dividend YieldN/A
Payout Ratio24.86
Shareholder Yield11.83
FCF Yield11.59

Stock Splits

OFG Bancorp's most recent stock split took place on December 29, 2004 with a 10:11 split ratio.

Last Split Date12/29/2004
Split Ratio10:11

Scores

OFG Bancorp posts an Altman Z-Score of 0.29, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.29