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OFG Bancorp OFG Year four

Year four at other companies

Bank of Hawaii logo
Bank of HawaiiBOH
$1.33B
Northwest Bancshares logo
Northwest BancsharesNWBI
$1.18B-35.3%
International Bancshares logo
International BancsharesIBOC
$1.71B+42.5%
First Busey Corporation logo
First Busey CorporationBUSE
Customers Bancorp logo
Customers BancorpCUBI
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC

Segments

By geography

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Domestic - Puerto Rico$208.32M-5.2%
US – Federal$104.29M+175%

Other financials

Income statement

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Revenue$186.0M+4.1%
Net income$53.9M+18.4%
EPS (diluted)$1.26+26.0%

Balance sheet

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Cash & equivalents$636.5M-10.4%
Total debt$22.1M+6.2%
Total equity$1.4B+5.5%
Total assets$12.0B+2.7%

Cash flow

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Operating cash flow$73.1M-12.0%
CapEx$4.4M+0.1%
Free cash flow$68.8M-12.6%

Valuation

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Market cap$2.05B-5.5%
Enterprise value$1.44B-2.2%
P/E9.6×-1.6×
P/S2.8×-0.3×

Profitability

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Net margin28.9%+1.8pp
FCF margin25.6%-10.0pp

Returns & leverage

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Return on equity16%+0.6pp
Debt / equity0.0×