[hardwired]

Code:

import java.awt.*;
import java.awt.font.*;
import java.awt.image.BufferedImage;
import java.io.*;
import javax.imageio.ImageIO;
import javax.swing.*;

public class TextOnBackground extends JPanel {
    BufferedImage image;
    String text = "Hello World";

    public TextOnBackground(BufferedImage image) {
        this.image = image;
    }

    protected void paintComponent(Graphics g) {
        super.paintComponent(g);
        Graphics2D g2 = (Graphics2D)g;
        g2.setRenderingHint(RenderingHints.KEY_TEXT_ANTIALIASING,
                            RenderingHints.VALUE_TEXT_ANTIALIAS_ON);
        int w = getWidth();
        int h = getHeight();
        // Draw image, centered.
        int x = (w - image.getWidth())/2;
        int y = (h - image.getHeight())/2;
        g2.drawImage(image, x, y, this);
        // Draw text centered over image.
        Font font = g2.getFont().deriveFont(36f);
        g2.setFont(font);
        FontRenderContext frc = g2.getFontRenderContext();
        float width = (float)font.getStringBounds(text, frc).getWidth();
        LineMetrics lm = font.getLineMetrics(text, frc);
        float sx = (w - width)/2;
        float sy = (h + lm.getHeight())/2 - lm.getDescent();
        g2.setPaint(Color.red);
        g2.drawString(text, sx, sy);
    }

    public static void main(String[] args) throws IOException {
        String path = "images/cougar.jpg";
        BufferedImage image = ImageIO.read(new File(path));
        TextOnBackground test = new TextOnBackground(image);
        JFrame f = new JFrame();
        f.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        f.getContentPane().add(test);
        f.setSize(400,400);
        f.setLocation(200,200);
        f.setVisible(true);
    }
}