Stock OFG OFG BANCORP
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Financials OFG Bancorp

Equities

OFG

PR67103X1020

Banks

Market Closed - Nyse
Other stock markets
 16:00:01 2024-04-26 EDT 		5-day change 1st Jan Change
36.3 USD -0.44% Intraday chart for OFG Bancorp +4.25% -3.15%
04-18 Transcript : OFG Bancorp, Q1 2024 Earnings Call, Apr 18, 2024
04-18 OFG Bancorp Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,212 952 1,324 1,311 1,764 1,714 -
Enterprise Value (EV) 1 1,212 952 1,324 1,311 1,764 1,714 1,714
P/E ratio 25.7 x 14 x 9.45 x 8.01 x 9.79 x 9.18 x 9.11 x
Yield 1.19% 1.51% 1.51% 2.54% 2.35% 2.75% 2.61%
Capitalization / Revenue 2.99 x 1.79 x 2.47 x 2.16 x 2.58 x 2.43 x 2.37 x
EV / Revenue 2.99 x 1.79 x 2.47 x 2.16 x 2.58 x 2.43 x 2.37 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.26 x 0.95 x 1.23 x 1.26 x 1.48 x 1.3 x 1.17 x
Nbr of stocks (in thousands) 51,347 51,347 49,847 47,563 47,058 47,217 -
Reference price 2 23.61 18.54 26.56 27.56 37.48 36.30 36.30
Announcement Date 20-01-29 21-01-25 22-01-19 23-01-26 24-01-24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 405.3 532.8 536.6 607.8 682.7 704.6 722.7
EBITDA - - - - - - -
EBIT 1 172.6 187.5 214.8 268.2 325.9 336.1 343.7
Operating Margin 42.59% 35.19% 40.03% 44.13% 47.73% 47.7% 47.55%
Earnings before Tax (EBT) 1 - 94.83 214.6 244.1 265.2 263.2 260.8
Net income 1 47.7 67.82 144.9 166.2 181.9 186.7 184.2
Net margin 11.77% 12.73% 27% 27.35% 26.64% 26.5% 25.49%
EPS 2 0.9200 1.320 2.810 3.440 3.830 3.952 3.982
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2800 0.2800 0.4000 0.7000 0.8800 1.000 0.9467
Announcement Date 20-01-29 21-01-25 22-01-19 23-01-26 24-01-24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 134.7 141 136.4 146.3 156.8 168.3 164.4 170.5 172.2 175.6 174.2 175.9 176.5 177.9 176.6
EBITDA - - - - - - - - - - - - - - -
EBIT 1 55.79 55.81 55.64 66.05 70.74 76.9 74.58 80.83 82.33 88.15 83.04 83.43 84 85.4 81.2
Operating Margin 41.42% 39.59% 40.8% 45.14% 45.12% 45.69% 45.36% 47.41% 47.81% 50.2% 47.68% 47.43% 47.6% 48.01% 45.98%
Earnings before Tax (EBT) 1 61.3 48.61 54.09 59.36 62.52 68.14 65.13 65.78 65.9 68.43 67.92 64.96 64.6 65.11 60.5
Net income 1 41.67 33.28 37.52 40.43 41.92 46.37 46.23 44.17 44.87 46.6 49.69 45.72 45.5 45.82 43
Net margin 30.94% 23.61% 27.51% 27.63% 26.73% 27.55% 28.12% 25.91% 26.06% 26.54% 28.53% 25.99% 25.78% 25.76% 24.35%
EPS 2 0.8100 0.6600 0.7600 0.8400 0.8700 0.9700 0.9600 0.9300 0.9500 0.9800 1.050 0.9650 0.9650 0.9775 0.9200
Dividend per Share 2 0.1200 0.1200 0.1500 0.1500 0.2000 0.2000 0.2200 0.2200 0.2200 0.2200 0.2300 0.2500 0.2500 0.2500 0.2550
Announcement Date 21-10-20 22-01-19 22-04-21 22-07-21 22-10-20 23-01-26 23-04-20 23-07-20 23-10-20 24-01-24 24-04-18 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.19% 7.56% 15.7% 15.7% 16.3% 14.9% 13.6%
ROA (Net income/ Total Assets) 1.05% 0.77% 1.41% 1.64% 1.79% 1.67% 1.61%
Assets 1 4,522 8,807 10,276 10,137 10,160 11,180 11,458
Book Value Per Share 2 18.80 19.50 21.50 21.90 25.40 28.00 31.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 20-01-29 21-01-25 22-01-19 23-01-26 24-01-24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for OFG Bancorp

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
36.3 USD
Average target price
43 USD
Spread / Average Target
+18.46%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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