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Intrinsic value of OFG Bancorp (OFG)

Previous Close$27.83
Intrinsic Value
Upside potential
Previous Close
$27.83
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh28.86 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

OFG Bancorp, a financial holding company, provides various banking and financial services. It operates in three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending; financial planning; and corporate and individual trust services. It also provides securities brokerage services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; separately-managed accounts and mutual fund asset allocation programs; and pension administration, trust, and other financial services. In addition, the company involves in insurance agency business; administration of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers investment brokerage, investment banking, and money and interest rate risk management, as well as derivatives and borrowings activities. The company operates through a network of 55 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is based in San Juan, Puerto Rico.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %2.7NaN
Revenue, $545NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m330NaN
Operating income, $m215NaN
EBITDA, $m231NaN
Interest expense (income), $mNaN
Earnings before tax, $m213NaN
Tax expense, $m68NaN
Net income, $m145NaN

BALANCE SHEET

Cash and short-term investments, $m2041NaN
Total assets, $m10089NaN
Adjusted assets (=assets-cash), $m8048NaN
Average production assets, $m245NaN
Working capital, $m-272NaN
Total debt, $m95NaN
Total liabilities, $m9020NaN
Total equity, $m1069NaN
Debt-to-equity ratio0.089NaN
Adjusted equity ratio-0.116NaN

CASH FLOW

Net income, $m145NaN
Depreciation, amort., depletion, $m17NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m233NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-22NaN
Free cash flow, $m256NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-272
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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