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Upturn AI SWOT - About
OFG 
OFG Bancorp (OFG)
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Upturn Advisory Summary
05/27/2025: OFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $45.5
1 Year Target Price $45.5
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.72% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 05/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.92B USD | Price to earnings Ratio 10.24 | 1Y Target Price 45.5 |
Price to earnings Ratio 10.24 | 1Y Target Price 45.5 | ||
Volume (30-day avg) 4 | Beta 0.76 | 52 Weeks Range 32.92 - 46.70 | Updated Date 06/30/2025 |
52 Weeks Range 32.92 - 46.70 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 4.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.15% | Operating Margin (TTM) 41.36% |
Management Effectiveness
Return on Assets (TTM) 1.7% | Return on Equity (TTM) 15.46% |
Valuation
Trailing PE 10.24 | Forward PE - | Enterprise Value 1488099200 | Price to Sales(TTM) 3.09 |
Enterprise Value 1488099200 | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 3.32 | Enterprise Value to EBITDA - | Shares Outstanding 44913100 | Shares Floating 44340918 |
Shares Outstanding 44913100 | Shares Floating 44340918 | ||
Percent Insiders 1.54 | Percent Institutions 98.33 |
Analyst Ratings
Rating 2 | Target Price 45.5 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OFG Bancorp
Company Overview
History and Background
OFG Bancorp, founded in 1964 as Oriental Federal Savings and Loan Association, is a diversified financial holding company based in Puerto Rico. It has grown through acquisitions and organic expansion, becoming a leading banking franchise in the region.
Core Business Areas
- Banking: Provides a range of retail and commercial banking services, including deposit accounts, loans, and credit cards.
- Wealth Management: Offers investment advisory and brokerage services to individuals and businesses.
- Insurance: Provides insurance products.
Leadership and Structure
OFG Bancorp is led by a board of directors and a senior management team. The organizational structure includes various departments responsible for banking operations, finance, risk management, and other key functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment purchases, and real estate. Market share data specific to commercial loans in Puerto Rico is difficult to obtain precisely, but OFG is a significant player. Competitors include Popular, Inc. (BPOP) and First BanCorp (FBP).
- Retail Banking Services: Includes checking accounts, savings accounts, mortgages, and personal loans. OFG competes with other banks and credit unions in Puerto Rico. Competitors include Popular, Inc. (BPOP) and First BanCorp (FBP).
- Wealth Management Services: Investment advisory, brokerage accounts. Competition includes major brokerage houses and local wealth management firms. Market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry in Puerto Rico is influenced by the island's economic conditions, regulatory environment, and demographic trends. It is recovering from past economic challenges.
Positioning
OFG Bancorp is one of the leading banking institutions in Puerto Rico. It benefits from its strong local presence and established customer base. Their competitive advantage is deep relationships in the Puerto Rican community
Total Addressable Market (TAM)
The estimated total market value for the Puerto Rican banking sector is around $68.4 billion based on total assets of all banks in Puerto Rico . OFG Bancorp is positioned strongly in this TAM due to its market leading commercial loan activity. However, its total market value is significantly lower than the $68.4B as they are not the only player in this industry
Upturn SWOT Analysis
Strengths
- Strong presence in Puerto Rico
- Diversified business model
- Experienced management team
- Solid capital position
Weaknesses
- Concentration risk in Puerto Rico
- Sensitivity to economic conditions in Puerto Rico
- Limited geographic diversification
- Cost structure
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Strategic acquisitions
- Technological innovation
Threats
- Economic downturn in Puerto Rico
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BPOP
- FBP
Competitive Landscape
OFG Bancorp competes with other banks in Puerto Rico, including Popular, Inc. and First BanCorp. It differentiates itself through its strong local presence, customer service, and targeted product offerings.
Major Acquisitions
Scotiabank de Puerto Rico and US Virgin Islands
- Year: 2023
- Acquisition Price (USD millions): 550
- Strategic Rationale: Expanded OFG's presence and market share in Puerto Rico.
Growth Trajectory and Initiatives
Historical Growth: Discuss OFG Bancorp's growth trends over the past years, considering both organic growth and acquisitions.
Future Projections: Based on analyst estimates, provide projections for OFG Bancorp's future growth, considering factors such as economic conditions and strategic initiatives.
Recent Initiatives: Highlight recent strategic initiatives undertaken by OFG Bancorp, such as branch expansions, product launches, and technology investments.
Summary
OFG Bancorp is a strong player in the Puerto Rican banking market, benefiting from a diversified business model and established local presence. Recent acquisitions have bolstered its market share, but the company remains vulnerable to the economic conditions of Puerto Rico. Continued focus on efficiency and strategic initiatives will be crucial for sustained growth. Monitoring regulatory changes and managing competition effectively are also important.
Peer Comparison
Sources and Disclaimers
Data Sources:
- OFG Bancorp's Investor Relations Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and is not financial advice. Market share data are estimates and may vary. Investment decisions should be made after consulting with a qualified financial advisor.
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 2223 | Website https://www.ofgbancorp.com |
Full time employees 2223 | 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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