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Upturn AI SWOT - About
OFG 
OFG Bancorp (OFG)
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Upturn Advisory Summary
03/27/2025: OFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.8% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.87B USD | Price to earnings Ratio 9.71 | 1Y Target Price 50.12 |
Price to earnings Ratio 9.71 | 1Y Target Price 50.12 | ||
Volume (30-day avg) 516458 | Beta 0.97 | 52 Weeks Range 32.59 - 47.38 | Updated Date 03/27/2025 |
52 Weeks Range 32.59 - 47.38 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 4.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.48% | Operating Margin (TTM) 37.53% |
Management Effectiveness
Return on Assets (TTM) 1.74% | Return on Equity (TTM) 16.19% |
Valuation
Trailing PE 9.71 | Forward PE - | Enterprise Value 1691197056 | Price to Sales(TTM) 2.96 |
Enterprise Value 1691197056 | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 45440300 | Shares Floating 44707138 |
Shares Outstanding 45440300 | Shares Floating 44707138 | ||
Percent Insiders 1.51 | Percent Institutions 96.09 |
Analyst Ratings
Rating 4.5 | Target Price 49.38 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OFG Bancorp
Company Overview
History and Background
OFG Bancorp was founded in 1964 as Oriental Federal Savings and Loan Association. It has evolved into a diversified financial services company serving Puerto Rico and the U.S. Virgin Islands. Key milestones include expanding into commercial banking, insurance, and wealth management.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses.
- Retail Banking: Provides consumer loans, mortgages, credit cards, and deposit accounts to individuals.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
OFG Bancorp is led by its CEO, Ganesh Kumar. The organizational structure includes various departments overseeing different business segments, such as commercial banking, retail banking, wealth management, risk, compliance, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and commercial real estate financing. Market share data is unavailable. Competitors include Popular (BPOP), First BanCorp (FBP), and Banco Santander Puerto Rico.
- Mortgages: Residential mortgage loans for individuals. Market share data is unavailable. Competitors include Popular (BPOP), First BanCorp (FBP), and local credit unions.
- Credit Cards: Credit card products for consumers. Market share data is unavailable. Competitors include Popular (BPOP), First BanCorp (FBP), and American Express (AXP).
Market Dynamics
Industry Overview
The banking industry in Puerto Rico is characterized by a few large players and intense competition. The economy is recovering, which is boosting loan demand, but there are still economic uncertainties and challenges in Puerto Rico.
Positioning
OFG Bancorp is a major player in the Puerto Rican banking market. Its competitive advantages include a strong local presence, a diversified product portfolio, and a focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Puerto Rico is estimated at several billion USD annually. OFG is positioned to capture a portion of this market with its established brand and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence in Puerto Rico
- Diversified product portfolio
- Experienced management team
- Solid capital base
Weaknesses
- Concentrated geographic focus on Puerto Rico
- Exposure to Puerto Rican economic conditions
- Higher cost structure compared to some larger banks
Opportunities
- Growing loan demand in Puerto Rico
- Expansion into new business lines
- Increased digital banking adoption
- Potential acquisitions
Threats
- Economic downturn in Puerto Rico
- Increased competition from other banks and fintech companies
- Regulatory changes
- Natural disasters
Competitors and Market Share
Key Competitors
- BPOP
- FBP
- UBS
Competitive Landscape
OFG Bancorp competes with other local and international banks. It has a strong market share in Puerto Rico. OFG is smaller than BPOP, but larger than FBP. OFG's strength lies in its customer relationships and strong presence.
Major Acquisitions
Scotiabank Puerto Rico and US Virgin Islands
- Year: 2020
- Acquisition Price (USD millions): 550
- Strategic Rationale: Expanded OFG's market share and customer base in Puerto Rico and the US Virgin Islands.
Growth Trajectory and Initiatives
Historical Growth: OFG Bancorp has experienced moderate growth in recent years, driven by increased loan demand and improved economic conditions in Puerto Rico.
Future Projections: Analyst estimates project continued growth in revenue and earnings over the next few years.
Recent Initiatives: OFG Bancorp has focused on expanding its digital banking capabilities and investing in new technologies.
Summary
OFG Bancorp is a relatively strong regional bank with a strong presence in Puerto Rico. It benefits from the recovering Puerto Rican economy and a diversified product portfolio. The company is making gains in technology and digital banking. OFG Bancorp should be aware of its dependence on the Puerto Rican economy and increased market competition.
Similar Companies
- BPOP
- FBP
- CFR
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share and competitor data are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OFG Bancorp
Exchange NYSE | Headquaters San Juan, PR, United States | ||
IPO Launch date 1990-03-28 | President, CEO & Chairman Mr. José Rafael Fernández | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2246 | Website https://www.ofgbancorp.com |
Full time employees 2246 | Website https://www.ofgbancorp.com | ||
OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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