Company Quick10K Filing
OFG Bancorp
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 52 $1,223
10-Q 2019-11-08 Quarter: 2019-09-30
10-Q 2019-08-02 Quarter: 2019-06-30
10-Q 2019-05-06 Quarter: 2019-03-31
10-K 2019-03-08 Annual: 2018-12-31
10-Q 2018-11-02 Quarter: 2018-09-30
10-Q 2018-08-03 Quarter: 2018-06-30
10-Q 2018-05-04 Quarter: 2018-03-31
10-K 2018-03-13 Annual: 2017-12-31
10-Q 2017-11-08 Quarter: 2017-09-30
10-Q 2017-08-04 Quarter: 2017-06-30
10-Q 2017-05-05 Quarter: 2017-03-31
10-K 2017-03-10 Annual: 2016-12-31
10-Q 2016-11-04 Quarter: 2016-09-30
10-Q 2016-08-05 Quarter: 2016-06-30
10-Q 2016-05-06 Quarter: 2016-03-31
10-K 2016-03-15 Annual: 2015-12-31
10-Q 2015-11-06 Quarter: 2015-09-30
10-Q 2015-08-10 Quarter: 2015-06-30
10-Q 2015-05-08 Quarter: 2015-03-31
10-K 2015-02-26 Annual: 2014-12-31
10-Q 2014-11-07 Quarter: 2014-09-30
10-Q 2014-08-08 Quarter: 2014-06-30
10-Q 2014-05-09 Quarter: 2014-03-31
10-K 2014-03-03 Annual: 2013-12-31
10-Q 2013-11-12 Quarter: 2013-09-30
10-Q 2013-08-09 Quarter: 2013-06-30
10-Q 2013-05-10 Quarter: 2013-03-31
10-K 2013-03-15 Annual: 2012-12-31
10-Q 2012-11-09 Quarter: 2012-09-30
10-Q 2012-08-03 Quarter: 2012-06-30
10-Q 2012-05-04 Quarter: 2012-03-31
10-K 2012-03-09 Annual: 2011-12-31
10-Q 2011-11-07 Quarter: 2011-09-30
10-Q 2011-08-08 Quarter: 2011-06-30
10-Q 2011-05-09 Quarter: 2011-03-31
10-K 2011-03-10 Annual: 2010-12-31
10-Q 2010-11-04 Quarter: 2010-09-30
10-Q 2010-08-10 Quarter: 2010-06-30
10-Q 2010-05-07 Quarter: 2010-03-31
10-K 2010-03-11 Annual: 2009-12-31
8-K 2020-02-24 Officers
8-K 2020-01-29 Earnings, Exhibits
8-K 2019-12-31 M&A, Regulation FD, Exhibits
8-K 2019-12-11 Regulation FD, Exhibits
8-K 2019-10-21 Earnings, Exhibits
8-K 2019-07-22 Earnings, Exhibits
8-K 2019-06-26 Enter Agreement, Exhibits
8-K 2019-06-26 Regulation FD, Exhibits
8-K 2019-04-30 Shareholder Vote
8-K 2019-04-29 Officers
8-K 2019-04-18 Earnings, Exhibits
8-K 2019-01-22 Earnings, Exhibits
8-K 2018-12-19 Officers
8-K 2018-12-19 Officers
8-K 2018-10-30 Officers
8-K 2018-10-19 Earnings, Exhibits
8-K 2018-07-20 Earnings, Exhibits
8-K 2018-07-20 Officers
8-K 2018-07-17 Other Events
8-K 2018-06-13 Enter Agreement
8-K 2018-04-25 Shareholder Vote
8-K 2018-04-20 Earnings, Exhibits
8-K 2018-03-07 Officers
8-K 2018-01-30 Earnings, Exhibits
8-K 2018-01-30 Amend Bylaw, Exhibits

OFG Bancorp Financials

OFG Metrics, Comps, Filings

Annual | Quarterly

Business

Oriental is a publicly-owned financial holding company incorporated on June 14, 1996 under the laws of the Commonwealth of Puerto Rico, providing a full range of banking and financial services through its subsidiaries. Oriental is subject to the provisions of the U.S. Bank Holding Company Act of 1956, as amended, (the "BHC Act") and accordingly, subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the "Federal Reserve Board").

Oriental provides comprehensive banking and financial services to its clients through a complete range of banking and financial solutions, including commercial, consumer, auto, and mortgage lending; checking and savings accounts; financial planning, insurance, financial services, and investment brokerage; and corporate and individual trust and retirement services. Oriental operates through three major business segments: Banking, Wealth Management, and Treasury, differentiating the Oriental brand through customer segmentation and innovative solutions, primarily in Puerto Rico. Oriental provides these services through various subsidiaries including, a commercial bank, Oriental Bank (the "Bank"), a securities broker-dealer, Oriental Financial Services Corp. ("Oriental Financial Services"), an insurance agency, Oriental Insurance, LLC ("Oriental Insurance"), a retirement plan administrator, Oriental Pension Consultants, Inc. ("OPC"), and a commercial lender, OFG USA LLC ("OFG USA"), which is part of the Bank. All of our subsidiaries are based in San Juan, Puerto Rico, except for OPC which is based in Boca Raton, Florida and OFG USA which is based in Cornelius, North Carolina. Oriental has 37 branches in Puerto Rico. Oriental's long-term goal is to strengthen its banking and financial services franchise by expanding its lending businesses, increasing the level of integration in the marketing and delivery of banking and financial services, maintaining effective asset-liability management, growing non-interest revenue from banking and financial services, and improving operating efficiencies.

· Expanding its ability to attract deposits and build relationships with customers by refining service delivery and providing innovative banking technologies for day-to-day customer transactions, and achieving sustainable levels of differentiation in the market;


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Annual)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Heartland Financial (HTLF) 1,560 0% 3.3 1% 12,160 10,639 77 0 143 281 918
First Busey (BUSE) 1,444 4.8 1% 9,613 8,409 0 0 102 213 1,024
Veritex Holdings (VBTX) 1,391 8.0 1% 8,010 6,805 0 0 53 141 1,125
First Commonwealth Financial (FCF) 1,319 8.0 1% 8,071 7,049 0 0 104 182 1,457
Sandy Spring Bancorp (SASR) 1,292 4.2 1% 8,399 7,279 0 0 113 251 1,060
Seacoast Banking of Florida (SBCF) 1,278 7.3 1% 6,825 5,895 0 0 78 154 1,118
Tompkins Financial (TMP) 1,261 0% 7.8 1% 6,654 5,997 67 0 80 151 1,180
S&T Bancorp (STBA) 1,255 6.4 1% 7,335 6,370 0 0 107 194 1,248
1st Source (SRCE) 1,228 6.8 1% 6,650 5,845 0 0 87 166 1,131
OFG Bancorp (OFG) 1,223 2.9 1% 6,464 5,419 0 0 95 185 545
FB Financial (FBK) 1,212 6.5 1% 5,940 5,222 0 0 77 161 1,048
City Holding (CHCO) 1,212 0% 8.1 2% 4,940 4,304 46 0 76 129 1,043
Lakeland Financial (LKFN) 1,164 0% 5.9 2% 4,976 4,410 0 0 85 164 968
Trico Bancshares (TCBK) 1,140 0% 7.4 1% 6,395 5,519 39 0 85 131 964
Enterprise Financial Services (EFSC) 1,101 5.7 1% 7,182 6,356 0 0 81 161 912
National Bank Holdings (NBHC) 1,092 8.2 1% 5,858 5,124 0 0 75 120 990
First Bancorp (FBNC) 1,076 4.7 2% 6,012 5,197 0 0 92 158 737
Southside Bancshares (SBSI) 1,067 6.6 1% 6,373 5,585 0 0 75 166 1,094
Meridian Bancorp (EBSB) 938 7.2 1% 6,369 5,673 0 0 60 164 1,178
Boston Private Financial Holdings (BPFH) 933 0% 4.2 1% 8,713 7,913 363 0 91 207 867

Balance Sheet ($MM)2011-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash60530173333
Accounts Receivable
Inventory
PP&E2212913375706869
Assets6,6948,1587,4497,0996,5026,1896,583
Accounts Payable
Long-Term Debt
Liabilities5,9987,2736,5076,2025,5815,2445,583
Stockholders' Equity6968859428979209451,000
Income Statement ($MM)2011-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax1071410048
Net Income349885-3595384
Cash Flow ($MM)2011-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating-341741759779151133
Cash Investing858787560153568187-489
Cash Financing-667-1,126-783-287-673-364317