OFG Bancorp
NYSE:OFG

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OFG Bancorp Logo
OFG Bancorp
NYSE:OFG
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Price: 44.36 USD 0.84% Market Closed
Market Cap: 2.1B USD
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Intrinsic Value

The intrinsic value of one OFG stock under the Base Case scenario is 48.04 USD. Compared to the current market price of 44.36 USD, OFG Bancorp is Undervalued by 8%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

OFG Intrinsic Value
48.04 USD
Undervaluation 8%
Intrinsic Value
Price
Worst Case
Base Case
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OFG Bancorp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
OFG Bancorp

Net Loans 7.5B
Investments 2.8B
PP&E 124.7m
Intangibles 151.8m
Other Assets 692.5m
Total Deposits 9.6B
Other Liabilities 426.1m
Earnings Calls

In its third quarter 2024 results, OFG Bancorp reported a 5.3% year-over-year increase in earnings per share, driven by a 1.1% rise in core revenues totaling $174.1 million. The bank saw a net interest margin of 5.43% and total assets grew to $11.5 billion, up 12% year-over-year. Looking forward, the fourth quarter net interest margin is projected between 5.3% and 5.4%, with noninterest expenses expected to be between $91 million and $93 million. As Puerto Rico's economy remains strong, OFG anticipates continued loan growth in the low mid-single-digit range while emphasizing its commitment to capital returns through dividends and share buybacks.

What is Earnings Call?

Wall St
Price Targets

OFG Price Targets Summary
OFG Bancorp

Wall Street analysts forecast OFG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for OFG is 49.47 USD with a low forecast of 47.47 USD and a high forecast of 52.5 USD.

Lowest
Price Target
47.47 USD
7% Upside
Average
Price Target
49.47 USD
12% Upside
Highest
Price Target
52.5 USD
18% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Previous Payment
-
Today
Next Payment
-
Today
Nov 10, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

Current shareholder yield for OFG is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

OFG Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

OFG News

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Profile

OFG Bancorp Logo
OFG Bancorp

Country

Puerto Rico

Industry

Banking

Market Cap

2.1B USD

Dividend Yield

2.19%

Description

OFG Bancorp is a holding company, which engages in the provision of banking and financial services. The firm is engaged in providing banking and financial services through its subsidiaries. The firm operates through three segments: Banking, Wealth Management and Treasury. The firm provides banking and financial services to its clients through a range of banking and financial solutions, including commercial, consumer, auto, and mortgage lending; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage, and corporate and individual trust and retirement services. The firm provides these services through various subsidiaries, including a commercial bank, Oriental Bank; a securities broker-dealer, Oriental Financial Services Corp. (Oriental Financial Services); an insurance agency, Oriental Insurance, LLC (Oriental Insurance), and a retirement plan administrator, Oriental Pension Consultants, Inc. (OPC).

Contact

SAN JUAN
254 Munoz Rivera Avenue
+17877716800.0
www.ofgbancorp.com

IPO

1987-03-26

Employees

2 269

Officers

President, CEO & Chairman
Mr. José Rafael Fernández
Chief Financial Officer
Ms. Maritza Arizmendi Diaz CPA, Esq.
Chief Strategy Officer of U.S. Business
Dr. Ganesh Kumar
Chief Retail Banking Officer
Ms. Mari Evelyn RodrĂ­guez Mimoso
Chief Risk Officer
Mr. Cesar A. Ortiz-Marcano CPA, Esq.
Managing Director of Customer Intelligence & Operations
Ms. Ada Garcia Castello
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Vice President Financial Reporting & Accounting Control
Krisen Aguirre Torres
IR Contact
Mr. Gary M. Fishman
General Counsel & Secretary
Mr. Hugh Gonzalez-Robison Esq.
Managing Director of Human Resources
Ms. Jennifer Zapata Nazario
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See Also

Discover More
What is the Intrinsic Value of one OFG stock?

The intrinsic value of one OFG stock under the Base Case scenario is 48.04 USD.

Is OFG stock undervalued or overvalued?

Compared to the current market price of 44.36 USD, OFG Bancorp is Undervalued by 8%.

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