OFG Bancorp — Earnings Quality Grade A
OFG · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
AR growth 0.4% vs revenue growth 3.2%
Revenue 2.2%, CFFO -13.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -55.9% vs revenue 2.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.06. Profits backed by cash
FCF $0.2B, FCF/NI = 0.97
Accruals ratio = -0.1%. Low accruals
Cash $1.0B covers debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
OFG Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25