OFG Bancorp has 141.79
M in debt with debt to equity (D/E) ratio of 6.91, demonstrating that OFG Bancorp may be unable to create cash to meet all of its financial commitments. OFG Bancorp is OVERVALUED at 17.01 per share with modest projections ahead.
We determine the current worth of OFG Bancorp using both absolute as well as relative valuation methodologies to arrive at its intrinsic value. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of OFG Bancorp based exclusively on its
fundamental and basic
technical indicators. By analyzing OFG Bancorp's
financials, quarterly and monthly indicators, and related drivers such as
dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of
OFG Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of OFG Bancorp. We calculate exposure to OFG Bancorp's
market risk, different
technical and
fundamental indicators, relevant financial multiples and ratios, and then
comparing them to OFG Bancorp's related companies.
OFG Bancorp Investment Alerts
OFG investment alerts and warnings help investors to get more proficient at understanding not only critical technical and fundamental signals but also the significant portfolio-centered indicators. These indicators include beta, alpha, and other risk-related measures that will help you in monitoring OFG Bancorp performance across your portfolios.Please check all
investment alerts for OFG
OFG Bancorp Valuation Ratios as Compared to Competition
Our valuation model uses many indicators to compare OFG value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across OFG Bancorp competition to find
correlations between indicators driving the intrinsic value of OFG.
What is driving OFG Bancorp Investor Appetite?
The entity reported the last year's revenue of 389.39
M. Total Income to common stockholders was 43.52
M with profit before taxes, overhead, and interest of 308.19
M.
| 2018 | 2019 | 2020 | 2021 (projected) |
Revenues USD | 339.88 M | 308.49 M | 354.77 M | 337.42 M | Revenues | 339.88 M | 308.49 M | 354.77 M | 337.42 M |
Margins Breakdown
OFG Bancorp profit margins show the degree to which it makes money. Margin indicators are used not only by investors but also by creditors or OFG Bancorp itself as indicators of financial health and management effectiveness. Please look more closely at the different varieties of OFG Bancorp profit margins.
| EBITDA Margin | 0.31 |
| Gross Margin | 0.89 |
| Profit Margin | 0.16 |
OFG Bancorp Average Assets is decreasing over the last 8 years. The latest value of OFG Bancorp Average Assets is 6,401,703,211. Also, OFG Bancorp Average Equity is rather stable at the moment.
OFG Bancorp latest dip is alarming
OFG Bancorp latest semi deviation ascents over 2.26. OFG Bancorp currently demonstrates below-verage downside deviation. It has Information Ratio of 0.09 and Jensen Alpha of 0.52. However, we do advice investors to further question OFG Bancorp expected returns to ensure all indicators are consistent with the current outlook about its relatively low value at risk.
Our Final Take On OFG Bancorp
Although many of the other players within the banks—regional industry are still a little expensive, even after the recent corrections, OFG Bancorp may offer a potential longer-term growth to shareholders. All things considered, as of the 25th of January 2021, our final 30 days buy-or-sell advice on the firm is
Cautious Hold. We believe OFG Bancorp is
overvalued with
low chance of bankruptcy for the next two years.
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Rifka Kats is a Member of Macroaxis Editorial Board. Rifka writes about retail product and service companies from the perspective of a regular consumer and sophisticated investor at the same time. She is passionate about corporate ethics and equality in the workforce.
View Profile This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Rifka Kats do not own shares of OFG Bancorp. Please refer to our
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