OFG Bancorp OFG | NYSE

$44.68 -$0.67 | -1.48%

After Hours
$48.88 $4.20 | 9.40%

Next Earnings: Oct 18, 2024

Company Overview:

Market Cap: $2.08B
PE Ratio: 10.98
52-Week Range: $28.19 - $47.57
Dividend Yield (FWD): 2.23% ($1.00)

10 Year Performance Metrics:

Total Return (with DRIP): 249.85% (13.34% / yr)
Total Return (no DRIP): 203.39% (11.74% / yr)
Share Price: 176.82%
Dividend Increase: 212.50%
OFG 10-yr Total Return ($10,000 investment)
1Y 2Y 5Y 10Y All

OFG Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
OFG Dividend CAGR:1Y: 13.64%2Y: 11.80%5Y: 28.99%10Y: 12.07%
Share Price
OFG Price CAGR:1Y: 56.39%2Y: 27.75%5Y: 14.87%10Y: 10.38%

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OFG Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend payout ration is Dividend/EPS, and indicates if company can afford to pay dividends from net income that it earned in the quarter.

Since EPS can be played with using different "accounting gymnastics", a better measure of dividends safety is Dividend to Free Cash Flow (FCF) ratio.

FCF is how much cash the company has earned each quarter, after paying all expenses not related to earnings.

Lower Ratio indicates SAFER Dividend! Ratios consistently close to, or over 100% are usually unsustainable and often indicate a dividend cut might be coming soon.

Dividend Payout Ratio - OFG
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Dividend to Free Cash Flow Ratio - OFG
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OFG Earnings, Revenue, Cash & Debt, Shares Outstaning:

OFG - EPS vs PE Ratio
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OFG - FCF vs FCF / Share
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OFG - EPS vs FCF / Share
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OFG - FCF vs Stock Based Comp
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OFG - Revenue vs Net Income
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OFG - Cash & Debt
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OFG - Revenue
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OFG Revenue CAGR:1Y: 30.11%2Y: 25.89%5Y: 16.83%10Y: 7.56%
OFG - Earnings Per Share (EPS)
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OFG EPS CAGR:1Y: 16.13%2Y: 13.39%5Y: 20.22%10Y: 11.01%
OFG - Net Income
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OFG Net Income CAGR:1Y: 15.75%2Y: 12.46%5Y: 18.00%10Y: 11.10%
OFG - EBITDA
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OFG EBITDA CAGR:1Y: -91.90%2Y: 194.07%5Y: -33.00%10Y: -18.80%
OFG - Free Cash Flow
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OFG Free Cash Flow CAGR:1Y: 112.11%2Y: 46.39%5Y: 56.65%10Y: 5.55%
OFG - Free Cash Flow / Share
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OFG Free Cash Flow / Share CAGR:1Y: 113.53%2Y: 48.61%5Y: 59.47%10Y: 5.11%
OFG - Gross Profit
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OFG Gross Profit CAGR:1Y: 29.71%2Y: 25.69%5Y: 16.76%10Y: 9.18%
OFG - Expenses
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OFG CapEx CAGR:1Y: 3.94%2Y: -24.65%5Y: 2.79%10Y: 11.64%
OFG - Shares Outstanding
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OFG Shares Outstanding CAGR:1Y: -0.76%2Y: -1.31%5Y: -1.83%10Y: -1.05%
OFG - Share Buybacks
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OFG Share Buybacks CAGR:1Y: 79.28%2Y: -10.87%5Y: N/A10Y: N/A
OFG - Stock-Based Comp
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OFG Stock-Based Comp CAGR:1Y: 40.06%2Y: 38.05%5Y: 29.48%10Y: 14.51%
OFG - Dividends
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OFG Dividend CAGR:1Y: 13.64%2Y: 11.80%5Y: 28.99%10Y: 12.07%
OFG - Revenue by Segment
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OFG Revenue CAGR:1Y: 30.11%2Y: 25.89%5Y: 16.83%10Y: 7.56%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

OFG - REVENUE: Actual + Estimates
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OFG Actual Revenue CAGR:1Y: 30.11%2Y: 25.89%5Y: 16.83%10Y: 7.56%
OFG - EPS: Actual + Estimates
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OFG Actual EPS CAGR:1Y: 16.13%2Y: 13.39%5Y: 20.22%10Y: 11.01%
OFG - NET INCOME: Actual + Estimates
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OFG Actual Net Income CAGR:1Y: 15.75%2Y: 12.46%5Y: 18.00%10Y: 11.10%
OFG - EBITDA: Actual + Estimates
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OFG Actual EBITDA CAGR:1Y: -91.90%2Y: 194.07%5Y: -33.00%10Y: -18.80%

Ratios, Profit Margins & Return on Capital:

OFG - Net Profit Margin
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OFG Net Profit Margin CAGR:1Y: -11.06%2Y: -10.68%5Y: 1.00%10Y: 3.30%
OFG - Gross Profit Margin
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OFG Gross Profit Margin CAGR:1Y: -0.31%2Y: -0.16%5Y: -0.06%10Y: 1.51%
OFG - Price to Earnings
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OFG - Price To Sales Ratio
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OFG - Return on Capital Employed
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OFG - Return on Invested Capital
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OFG Dividends Info:

Annual Dividend: $1.00
Forward Yield: 2.24%
Ex-Dividend Date: 2024-09-30
Lifetime Dividens / Share: $11.36

OFG Dividend History: Dates, Payments & Yield list

Below is a schedule of all OFG dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/30/202410/15/2024$0.2501.65%2.2%$45.41
06/28/202407/15/2024$0.2502.51%2.67%$37.45
03/27/202404/15/2024$0.2502.5%2.74%$36.46
12/28/202301/16/2024$0.2202.33%2.33%$37.84
09/28/202310/16/2023$0.2202.87%2.94%$29.93
06/29/202307/17/2023$0.2203.2%3.35%$26.29
03/30/202304/17/2023$0.2203.16%3.61%$24.37
12/29/202201/17/2023$0.2002.53%2.89%$27.67
09/29/202210/17/2022$0.2002.47%3.19%$25.10
06/29/202207/15/2022$0.1502.12%2.35%$25.52
03/30/202204/18/2022$0.1501.76%2.25%$26.71
12/30/202101/18/2022$0.1201.49%1.79%$26.85
09/29/202110/15/2021$0.1201.36%1.87%$25.66
06/29/202107/15/2021$0.0801.35%1.44%$22.27
03/30/202104/15/2021$0.0801.3%1.43%$22.32
12/30/202001/15/2021$0.0701.55%1.55%$18.07
09/29/202010/15/2020$0.0702.25%2.25%$12.46
06/29/202007/15/2020$0.0702.15%2.15%$13.01
03/30/202004/15/2020$0.0702.46%2.46%$11.39
12/30/201901/15/2020$0.0701.19%1.19%$23.54
09/27/201910/15/2019$0.0701.26%1.26%$22.14
06/27/201907/15/2019$0.0701.14%1.18%$23.66
03/28/201904/15/2019$0.0701.33%1.43%$19.52
12/28/201801/15/2019$0.0701.55%1.73%$16.16
09/27/201810/15/2018$0.0601.49%1.49%$16.15
06/28/201807/16/2018$0.0601.7%1.7%$14.15
03/28/201804/16/2018$0.0602.24%2.24%$10.70
12/28/201701/16/2018$0.0602.62%2.62%$9.15
09/28/201710/16/2017$0.0602.65%2.65%$9.05
06/28/201707/17/2017$0.0602.41%2.41%$9.95
03/29/201704/17/2017$0.0602.13%2.13%$11.25
12/28/201601/17/2017$0.0601.78%1.78%$13.50
09/28/201610/17/2016$0.0602.37%2.37%$10.11
06/28/201607/15/2016$0.0603.53%3.03%$7.93
03/29/201604/15/2016$0.0604.56%3.42%$7.01
12/29/201501/15/2016$0.0604.63%3.09%$7.77
09/28/201510/15/2015$0.1004.46%4.46%$8.97
06/26/201507/15/2015$0.1002.7%2.85%$14.05
03/27/201504/15/2015$0.1002.18%2.42%$16.55
12/29/201401/15/2015$0.1002.03%2.39%$16.76
09/26/201410/15/2014$0.0802.12%2.12%$15.08
06/26/201407/15/2014$0.0801.62%1.73%$18.54
03/26/201404/15/2014$0.0801.64%1.88%$17.05
12/27/201301/15/2014$0.0801.52%1.87%$17.15
09/26/201310/15/2013$0.0601.45%1.45%$16.54
06/26/201307/15/2013$0.0601.35%1.35%$17.74
03/26/201304/15/2013$0.0601.54%1.54%$15.61
12/27/201201/15/2013$0.0601.82%1.82%$13.20
09/26/201210/15/2012$0.0602.25%2.25%$10.67
06/27/201207/16/2012$0.0602.2%2.29%$10.46
03/28/201204/13/2012$0.0601.78%1.94%$12.34
12/28/201101/13/2012$0.0601.73%1.98%$12.13
09/28/201110/14/2011$0.0502.15%2.15%$9.29
06/28/201107/15/2011$0.0501.64%1.73%$11.57
03/29/201104/15/2011$0.0501.44%1.59%$12.54
12/29/201001/14/2011$0.0501.39%1.63%$12.25
09/28/201010/15/2010$0.0401.21%1.21%$13.19
06/28/201007/15/2010$0.0401.23%1.23%$13.03
03/29/201004/15/2010$0.0401.14%1.14%$14.09
12/29/200901/15/2010$0.0401.47%1.47%$10.85
09/28/200910/15/2009$0.0401.96%1.2%$13.28
06/30/200907/15/2009$0.0403.71%1.65%$9.70
03/30/200904/15/2009$0.0409.96%3.46%$4.62
12/26/200801/15/2009$0.1409.08%9.08%$6.17
09/26/200810/15/2008$0.1403.09%3.09%$18.14
06/26/200807/15/2008$0.1403.67%3.67%$15.26
03/27/200804/15/2008$0.1402.71%2.71%$20.64
12/27/200701/15/2008$0.1404.05%4.05%$13.82
10/01/200710/17/2007$0.1404.71%4.71%$11.90
06/27/200707/13/2007$0.1405.18%5.18%$10.81
03/28/200704/17/2007$0.1404.71%4.71%$11.88
12/27/200601/12/2007$0.1404.31%4.31%$12.99
09/27/200610/16/2006$0.1404.7%4.7%$11.92
06/28/200607/14/2006$0.1404.51%4.51%$12.42
03/28/200604/17/2006$0.1403.94%3.94%$14.20
12/28/200501/16/2006$0.1404.5%4.5%$12.45
09/28/200510/14/2005$0.1404.61%4.61%$12.16
06/28/200507/15/2005$0.1403.77%3.85%$14.53
03/28/200504/15/2005$0.1402.32%2.42%$23.12
12/28/200401/14/2005$0.1411.89%2.03%$27.73
09/28/200410/15/2004$0.1272.15%2.15%$23.64
06/28/200407/15/2004$0.1272.04%2.09%$24.41
03/26/200404/15/2004$0.1271.7%1.78%$28.64
12/26/200301/15/2004$0.1272.07%2.22%$22.97
09/26/200310/15/2003$0.1162.33%2.33%$19.84
06/26/200307/15/2003$0.1162.19%2.27%$20.41
03/27/200304/15/2003$0.1162.42%2.6%$17.77
12/26/200201/15/2003$0.1162.51%2.74%$16.89
09/26/200210/15/2002$0.0992.72%2.71%$14.64
06/26/200207/15/2002$0.0992.41%2.46%$16.13
03/27/200204/15/2002$0.1092.64%3.03%$14.38
12/27/200101/15/2002$0.0903.11%3.11%$11.58
09/26/200110/15/2001$0.0903.06%3.06%$11.78
06/27/200107/16/2001$0.0903.47%3.47%$10.40
03/28/200104/16/2001$0.0904.71%4.71%$7.66
12/27/200001/15/2001$0.0904.97%4.97%$7.25
09/27/200010/16/2000$0.0904.45%4.45%$8.11
06/28/200007/14/2000$0.0904.46%4.46%$8.08
03/28/200004/17/2000$0.0903.2%3.2%$11.27
12/28/199901/17/2000$0.0902.94%2.94%$12.25
09/28/199910/15/1999$0.0902.48%2.64%$13.67
06/28/199907/15/1999$0.0902.14%2.43%$14.84
03/26/199904/15/1999$0.0901.77%2.16%$16.68
12/28/199801/15/1999$0.0691.44%1.46%$18.90
09/28/199810/15/1998$0.0681.52%1.59%$17.05
06/26/199807/15/1998$0.0681.49%1.62%$16.68
03/27/199804/15/1998$0.0681.4%1.61%$16.79
12/26/199701/15/1998$0.0561.67%1.69%$13.30
09/26/199710/15/1997$0.0571.6%1.73%$13.16
06/26/199707/15/1997$0.0541.61%2.28%$9.51
03/26/199704/15/1997$0.0541.5%2.38%$9.11
12/16/199601/15/1997$0.0451.74%2.61%$6.90
06/14/199607/03/1996$0.0382.54%2.67%$5.63
03/12/199604/03/1996$0.0382.72%3.05%$4.92
12/13/199501/04/1996$0.0382.33%3.03%$4.96
09/14/199510/02/1995$0.0301.84%2.27%$5.29
06/29/199507/17/1995$0.0291.76%2.56%$4.51
03/13/199504/03/1995$0.0191.67%2.15%$3.58
12/09/199401/05/1995$0.0191.52%2.37%$3.25
09/14/199410/05/1994$0.0121.21%1.23%$3.99
06/15/199407/05/1994$0.0091.09%0.87%$4.15
03/25/199404/15/1994$0.0090.98%0.79%$4.58
12/28/199301/14/1994$0.0180.84%1.44%$5.00
09/27/199310/15/1993$0.0090.73%0.88%$4.12
07/22/199308/16/1993$0.0090.97%1.29%$2.79
03/26/199304/15/1993$0.0060.81%1.07%$2.24
12/24/199201/15/1993$0.0060.68%1.37%$1.76
09/25/199210/15/1992$0.0060.37%1.47%$1.64
10/12/198810/21/1988$0.0051.59%1.59%$1.20
06/24/198807/21/1988$0.0051.59%1.59%$1.20
03/25/198804/21/1988$0.0051.2%1.59%$1.20
12/24/198701/21/1988$0.0051.11%2.22%$0.86
09/24/198710/21/1987$0.0050.51%2.06%$0.93

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Projected Future Returns & Dividends for OFG

Based on past 10-year performance, here are OFG growth metrics:

Share price CAGR of +10.38%
Dividend CAGR of +12.07%
Using OFG CAGR metrics, we can estimate, that your initial $10000 investment, over next 10 years ago, should grow with dividends being reinvested (DRIP) as follows:

OFG
Current Price$44.90
Start Shares222.72
Start Value$10,000
 
After 10 years:
Final Share Count282.55
Dividends Payment$0.78
Annual Dividends$883
Yield on cost8.83%
Share Price$109.23
Total Dividends$4,498
Final Value$30,864

Estimated Future Value + Dividends - OFG

NOTE: Above numbers are our estimate based on OFG's Dividend and Price CAGR over past 10 years. These numebrs should only be considered as "potential future returns"! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these estimates.

Company Info

OFG Bancorp (OFG) had its IPO on 1987-03-26, and is trader on NYSE stock exchange.

OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through 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 services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.

OFG website: https://www.ofgbancorp.com


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