ScoreWhy is OFG Bancorp ?
1
High Profitability with a Net Interest Margin of 8.61%
2
The Bank has a high Capital Adequacy Ratio of 28.88% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 27.96%
4
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 1.19%
5
With ROA of 1.02%, it has a fair valuation with a 1.77 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -9.82%, its profits have risen by 4.7% ; the PEG ratio of the company is 1.6
6
Below par performance in long term as well as near term
- Along with generating -9.82% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to OFG Bancorp should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is OFG Bancorp for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
OFG Bancorp
-10.56%
0.48
27.18%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.13%
EBIT Growth (5y)
18.13%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
23.67%
Pledged Shares
0
Institutional Holding
98.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.77
EV to EBIT
8.31
EV to EBITDA
7.42
EV to Capital Employed
2.20
EV to Sales
2.41
PEG Ratio
1.60
Dividend Yield
2.16%
ROCE (Latest)
26.52%
ROE (Latest)
14.98%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 151.93 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 26.08%
NET SALES(Q)
Highest at USD 194.35 MM
NET PROFIT(Q)
Highest at USD 51.8 MM
EPS(Q)
Highest at USD 1.15
-3What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for OFG Bancorp
NII
Highest at USD 151.93 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 194.35 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
Highest at USD 51.8 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.15
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Highest at 26.08%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for OFG Bancorp
Non Performing Loans (%)
Highest at 1.19% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Capital Adequacy Ratio
Lowest at 13.99%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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