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OFG Bancorp

OFG

CIK 0001030469 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$197M
↑+3.7% +$7Mvs FY2024 (Q4)
Operating Income
$192M
↑+3.7% +$7Mvs FY2024 (Q4)
Net Income
$47M
↓-5.8% -$3Mvs FY2024 (Q4)
Gross Profit
$197M
↑+3.7% +$7Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
22/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    100D/E 0.00 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.06x (1.0+ = capital-efficient)
  • Growth
    29Revenue YoY +3.7% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project OFG's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

14%

Trailing 3-yr CAGR was 14.3%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$97.58
Total enterprise IV
$4.37B
Diluted shares
0.04B
Terminal PV
$3.26B (75% of total)
Year-5 FCF
$384M
YearProjected FCFDiscounted PV
+1$227M$207M
+2$259M$214M
+3$295M$222M
+4$337M$230M
+5$384M$238M
Terminal$5.25B$3.26B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$18M
investment in PP&E
Dividends paid (TTM)
$52M
cash returned to holders
Stock buybacks (TTM)
$92M
share count reduction
Stock-based comp (TTM)
$6M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$12.47B
everything owned
Total liabilities
$11.08B
everything owed
Stockholders' equity
$1.39B
shareholder claim
Net debt
$-1.04B
Net cash position ($1.04B)

Recent performance · 63 quarters

Revenue↑+3.7% +$7M
$197M
Net Income↑+11.0% +$6M
$56M
Free Cash Flow↑+55.8% +$19M
$53M

Drill down

OFG Sankey

See OFG Bancorp's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

OFG Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

OFG Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics