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Market Price

13.39 

0.33 2.5%

as of Sep 18 '20

52 Week Range:

8.63 23.76


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

OFG Bancorp, a financial holding company, provides various banking and financial services. It operates in three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending; financial planning; and corporate and individual trust services. It also provides securities brokerage services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; separately-managed accounts and mutual fund asset allocation programs; and pension administration, trust, and other financial services. In addition, the company involves in insurance agency business; administration of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers investment brokerage, investment banking, and money and interest rate risk management, as well as derivatives and borrowings activities. The company operates through a network of 55 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is based in San Juan, Puerto Rico.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 10.82
14.33
16.00
15.09
15.41
16.90
16.68
17.05
17.33
15.48
18.62
growth rate 32.4% 11.7% -5.7% 2.1% 9.7% -1.3% 2.2% 1.6% -10.7% 20.3%
Earnings BIT 29.92
5.54
35.32
27.86
89.74
165.26
22.10
113.09
79.27
growth rate -81.5% 537.6% -21.1% 222.1% 84.2% -86.6% 411.6% -29.9%
Avg.PE 14.47
46.73
18.18
41.32
10.87
11.46
48.03
11.78
13.69
13.15
15.02
growth rate 222.9% -61.1% 127.3% -73.7% 5.4% 319.1% -75.5% 16.2% -3.9% 14.2%
ROA 0.28
-0.26
0.42
0.18
0.98
0.91
-0.23
0.67
0.61
1.13
0.60
growth rate -100.0% 100.0% -57.1% 444.4% -7.1% -100.0% 100.0% -9.0% 85.3% -46.9%
ROE 7.97
-3.93
4.59
2.22
12.11
9.67
-2.20
6.19
5.13
8.63
5.09
growth rate -100.0% 100.0% -51.6% 445.5% -20.2% -100.0% 100.0% -17.1% 68.2% -41.0%
ROIC 29.07
12.51
16.42
8.37
12.20
10.59
growth rate -57.0% 31.3% -49.0% 45.8% -13.2%
Leverage 24.99
11.01
10.67
13.37
11.51
9.72
9.85
8.73
8.05
7.25
9.75
growth rate -55.9% -3.1% 25.3% -13.9% -15.6% 1.3% -11.4% -7.8% -9.9% 34.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 20.18
41.65
41.78
60.08
49.06
53.40
46.18
40.12
78.87
growth rate 106.4% 0.3% 43.8% -18.3% 8.8% -13.5% -13.1% 96.6%
Acct.Payable 29.36
117.65
144.42
4,922.66
4,716.21
4,662.78
4,797.59
4,905.03
7,686.84
growth rate 300.7% 22.8% 3,308.5% -4.2% -1.1% 2.9% 2.2% 56.7%
Cur.Assets 838.97
717.43
692.28
682.20
598.99
1,095.78
growth rate -14.5% -3.5% -1.5% -12.2% 82.9%
Total Assets 6,550.80
7,311.00
6,694.39
9,211.76
8,158.02
7,449.11
7,099.15
6,501.82
6,189.05
6,583.35
9,297.66
growth rate 11.6% -8.4% 37.6% -11.4% -8.7% -4.7% -8.4% -4.8% 6.4% 41.2%
Cash 277.10
448.90
4,459.38
3,181.89
2,296.01
573.43
536.71
510.44
485.20
447.03
851.31
growth rate 62.0% 893.4% -28.7% -27.8% -75.0% -6.4% -4.9% -4.9% -7.9% 90.4%
Inventory 117.46
64.40
50.74
47.72
36.75
33.24
growth rate -45.2% -21.2% -6.0% -23.0% -9.6%
Cur.Liabilities 5,086.91
4,925.44
4,784.02
4,949.05
5,260.47
8,137.17
growth rate -3.2% -2.9% 3.5% 6.3% 54.7%
Liabilities 6,220.70
6,578.70
5,998.84
8,348.15
7,273.10
6,506.91
6,202.07
5,581.41
5,243.95
5,583.48
8,252.18
growth rate 5.8% -8.8% 39.2% -12.9% -10.5% -4.7% -10.0% -6.1% 6.5% 47.8%
LT Debt 2,009.00
2,010.00
47.43
26.26
14.94
1,420.01
1,274.53
795.35
293.64
322.13
83.33
growth rate 0.1% -97.6% -44.6% -43.1% 9,406.6% -10.2% -37.6% -63.1% 9.7% -74.1%
Equity 330.20
732.30
695.56
863.61
884.91
766.20
721.08
744.41
769.11
907.88
953.48
growth rate 121.8% -5.0% 24.2% 2.5% -13.4% -5.9% 3.2% 3.3% 18.0% 5.0%
Common Shares 24.00
37.00
45.00
45.00
53.00
52.00
51.00
51.00
51.00
51.00
52.00
growth rate 54.2% 21.6% 0.0% 17.8% -1.9% -1.9% 0.0% 0.0% 0.0% 2.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 4.50
9.30
3.39
1.93
9.12
7.91
5.28
5.30
6.47
11.49
12.97
growth rate 106.7% -63.6% -43.1% 373.3% -13.3% -33.2% 0.3% 22.1% 77.6% 12.8%
Cash Dividends 8.70
12.20
13.96
20.01
24.65
28.34
31.62
24.00
24.42
24.82
20.88
growth rate 40.2% 14.4% 43.3% 23.2% 15.0% 11.6% -24.1% 1.7% 1.7% -15.9%
Cash From OA -43.99
-32.44
-39.73
50.24
173.82
175.00
97.08
78.51
151.44
133.36
109.62
growth rate 0.0% 0.0% 100.0% 246.0% 0.7% -44.5% -19.1% 92.9% -11.9% -17.8%
FCF per Share -2.00
-0.92
-1.77
1.07
2.98
3.78
1.48
1.40
2.58
2.12
1.71
growth rate 0.0% 0.0% 100.0% 178.5% 26.9% -60.9% -5.4% 84.3% -17.8% -19.3%
Sale Purchase of Stock -58.78
142.75
-0.04
0.64
0.20
growth rate 100.0% -100.0% 100.0% -68.3%
FCF -49.00
-34.00
-37.00
48.00
165.00
167.00
92.00
73.00
145.00
122.00
97.00
growth rate 0.0% 0.0% 100.0% 243.8% 1.2% -44.9% -20.7% 98.6% -15.9% -20.5%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 128.90
140.30
329.75
286.86
510.73
365.16
228.45
313.17
302.20
334.88
308.19
growth rate 8.8% 135.0% -13.0% 78.0% -28.5% -37.4% 37.1% -3.5% 10.8% -8.0%
Op.Income 29.90
5.50
34.45
24.56
98.45
156.39
20.06
116.57
118.42
147.60
113.80
growth rate -81.6% 526.4% -28.7% 300.9% 58.9% -87.2% 481.3% 1.6% 24.6% -22.9%
IBT 29.92
5.54
35.32
27.86
89.74
122.43
-20.06
85.18
68.09
132.80
75.25
growth rate -81.5% 537.5% -21.1% 222.2% 36.4% -100.0% 100.0% -20.1% 95.0% -43.3%
Net Income 22.90
9.80
34.45
24.56
98.45
85.18
-2.50
59.19
52.65
84.41
53.84
growth rate -57.2% 251.5% -28.7% 300.9% -13.5% -100.0% 100.0% -11.1% 60.3% -36.2%
EPS 0.75
-0.50
0.67
0.35
1.73
1.50
-0.37
1.03
0.88
1.52
0.92
growth rate -100.0% 100.0% -47.8% 394.3% -13.3% -100.0% 100.0% -14.6% 72.7% -39.5%
Gross Profit 365.16
228.45
313.17
302.20
334.88
308.19
growth rate -37.4% 37.1% -3.5% 10.8% -8.0%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 37.72
35.42
78.87
121.00
growth rate -6.1% 122.7% 53.4%
Acct.Payable 4,942.56
4,876.24
7,686.84
7,819.27
growth rate -1.3% 57.6% 1.7%
Cur.Assets 831.41
1,130.74
1,095.78
1,527.83
growth rate 36.0% -3.1% 39.4%
Total Assets 6,464.13
6,333.51
9,297.66
9,236.23
9,932.72
growth rate -2.0% 46.8% -0.7% 7.5%
Cash 676.38
961.84
851.31
1,325.94
1,898.99
growth rate 42.2% -11.5% 55.8% 43.2%
Inventory 32.02
30.49
33.24
30.39
growth rate -4.8% 9.0% -8.6%
Cur.Liabilities 5,122.11
4,989.29
8,137.17
8,062.25
growth rate -2.6% 63.1% -0.9%
Liabilities 5,419.25
5,284.43
8,252.18
8,213.64
8,891.44
growth rate -2.5% 56.2% -0.5% 8.3%
LT Debt 274.06
273.58
83.33
113.68
growth rate -0.2% -69.5% 36.4%
Equity 952.87
957.08
953.48
930.59
growth rate 0.4% -0.4% -2.4%
Common Shares 59.89
59.89
59.89
59.89
59.90
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 4.11
2.83
3.81
growth rate -31.2% 34.5%
Cash Dividends 5.22
5.62
5.22
growth rate 7.7% -7.2%
Cash From OA 13.69
6.64
68.61
growth rate -51.5% 933.1%
Sale Purchase of Stock
growth rate
FCF 9.58
3.81
64.80
growth rate -60.2% 1,600.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 86.34
59.12
75.54
87.61
growth rate -31.5% 27.8% 16.0%
Op.Income 39.74
12.47
22.03
1.80
growth rate -68.6% 76.7% -91.8%
IBT 34.88
8.39
-3.06
2.10
29.04
growth rate -75.9% -100.0% 100.0% 1,283.9%
Net Income 23.98
7.38
-0.99
1.80
21.79
growth rate -69.2% -100.0% 100.0% 1,109.7%
EPS
growth rate
Gross Profit 86.34
59.12
75.54
87.61
growth rate -31.5% 27.8% 16.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (27.26)

YOY Growth Grade:

F (16.34)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 29.76 29.76 7.78
EPS / Growth 21.1% 0.45 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.8% 6.9% 6.9%
Future PE 7.78 17.10 17.10
Future EPS 0.79 0.88 0.88
Value Price
MOS %
1.51
-88.7%
3.70
-72.4%
3.70
-72.4%
MOS Price 0.76 1.85 1.85
IRT 17.21 16.08 16.08

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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