OFG Bancorp is a financial holding company, through its subsidiaries provides banking and financial services. It operates through three segments namely Banking, Wealth Management, and Treasury. It serves to clients such as commercial, consumer, auto, and mortgage lending, checking and savings accounts, financial planning, insurance, financial services, and investment brokerage, and corporate and individual trust and retirement services. It provides services in the region of Puerto Rico.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	3.36
Equity-to-Asset	0.11
Debt-to-Equity	0.19
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.61	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.4
	3-Year EPS without NRI Growth Rate	34.6
	3-Year FCF Growth Rate	148.2
	3-Year Book Growth Rate	9.4

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	74.79
	9-Day RSI	66.87
	14-Day RSI	61.34
	6-1 Month Momentum %	14.79
	12-1 Month Momentum %	47.75

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.43
	Dividend Payout Ratio	0.23
	3-Year Dividend Growth Rate	46.5
	Forward Dividend Yield %	2.67
	5-Year Yield-on-Cost %	9.3
	3-Year Average Share Buyback Ratio	2.9
	Shareholder Yield %	-8.28

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	27.98
	FCF Margin %	41.94
	ROE %	16.27
	ROA %	1.75
	Years of Profitability over Past 10-Year	9

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.55
	PE Ratio without NRI	9.55
	Shiller PE Ratio	19.76
	Price-to-Owner-Earnings	6.73
	PEG Ratio	1.35
	PS Ratio	2.67
	PB Ratio	1.45
	Price-to-Tangible-Book	1.66
	Price-to-Free-Cash-Flow	6.34
	Price-to-Operating-Cash-Flow	5.97
	EV-to-Revenue	1.86
	EV-to-FCF	4.38
	Price-to-Projected-FCF	0.65
	Price-to-Median-PS-Value	1.25
	Price-to-Peter-Lynch-Fair-Value	1.51
	Price-to-Graham-Number	0.84
	FCF Yield %	15.76
	Forward Rate of Return (Yacktman) %	13.38

GF Value: $34.72

OFG

Warning Signs

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