Company Overview
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. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
Why Investors Should Care
Generates a return on equity of 16.0%, reflecting efficient use of shareholder capital.
Net profit has compounded at 14.7% per year over the last five years.
Trades at a P/E of 10.3, below the sector median of 13.5.
Maintains a net profit margin of 33.6%.
Offers a dividend yield of 2.61%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +6.9%, earnings +26.0%.
- 5-Year Trend Long-term compounding — profit CAGR 14.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 6.90% |
Compounded Profit Growth
| 5 Years: | 14.67% |
| 1 Year: | 26.00% |
Stock Price Performance
| 1 Year: | +12.90% |
| 6 Months: | +23.50% |
| 3 Months: | +17.55% |
| 1 Month: | +4.76% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)63.40 · Neutral
P/E of 10.33 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 33.6%.
- Profit CAGR of 14.7% over 5 years.
- Attractive dividend yield of 2.61%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | OFG OFG Bancorp R2K | 49.99 | 10.33 | $2.11B | 2.61% | - | 16.04% | - | 14.67% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2013 | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - |
| Net Income | 21.19M | 37.54M | 19.62M | 23.75M | 21.31M | 19.53M | -2.99M | -3.11M | 4.57M | 14.17M | 14.34M | 15.12M | 15.15M | 17.10M | 3.32M | 16.92M | 19.65M | 23.10M | 23.47M | 23.98M | 7.38M | 1.80M | 21.79M | 27.44M | 30.37M | 40.83M | 41.67M | 37.52M | 40.43M | 41.92M | 46.23M | 44.17M | 44.87M | 49.69M | 51.13M | 47.00M | 45.57M | 51.80M | 51.84M | 53.94M |
| Diluted EPS | 0.37 | 0.68 | 0.34 | 0.42 | 0.38 | 0.34 | -0.14 | -0.15 | 0.03 | 0.24 | 0.25 | 0.26 | 0.26 | 0.30 | 0.00 | 0.30 | 0.35 | 0.42 | 0.42 | 0.43 | 0.11 | 0.00 | 0.39 | 0.50 | 0.56 | 0.78 | 0.81 | 0.76 | 0.84 | 0.87 | 0.96 | 0.93 | 0.95 | 1.05 | 1.08 | 1.00 | 1.00 | 1.15 | 1.16 | 1.26 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | - | - |
| Net Income | 22.95M | 9.83M | 34.45M | 24.55M | 98.45M | 85.18M | -2.50M | 59.19M | 52.65M | 84.41M | 53.84M | 74.33M | 146.15M | 166.24M | 181.87M | 198.17M | 205.10M |
| Diluted EPS | 0.75 | -0.50 | 0.67 | 0.35 | 1.73 | 1.50 | -0.37 | 1.03 | 0.88 | 1.52 | 0.92 | 1.32 | 2.81 | 3.44 | 3.83 | 4.23 | 4.58 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 7.31B | 6.69B | 9.21B | 8.16B | 7.45B | 7.10B | 6.50B | 6.19B | 6.58B | 9.30B | 9.83B | 9.90B | 9.82B | 11.34B | 11.50B | 12.47B |
| Total Equity | - | 330.17M | 732.33M | 695.55M | 863.61M | 884.91M | 942.20M | 897.08M | 920.41M | 945.11M | 999.88M | 1.05B | 1.09B | 1.07B | 1.04B | 1.19B | 1.25B | 1.39B |
| Cash & Equivalents | 66.37M | 277.11M | 440.38M | 591.49M | 855.24M | 621.27M | 573.43M | 536.71M | 510.44M | 485.20M | 447.03M | 851.31M | 2.15B | 2.02B | 550.31M | 748.17M | 591.14M | 1.04B |
| Long Term Debt | - | - | - | 105.83M | 0 | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | - | 6.58B | 6.00B | 8.35B | 7.27B | 6.51B | 6.20B | 5.58B | 5.24B | 5.58B | 8.25B | 8.74B | 8.83B | 8.78B | 10.15B | 10.25B | 11.08B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -43.99M | -32.44M | -39.73M | 50.24M | 173.82M | - | 97.08M | 78.51M | 151.44M | 133.35M | 109.62M | 34.96M | 100.04M | 164.46M | 295.66M | 252.50M | 217.72M |
| Investing Cash Flow | 389.31M | 678.79M | 857.85M | 2.22B | 787.26M | - | 153.04M | 568.06M | 187.30M | -488.77M | 842.17M | 757.50M | -182.93M | -1.51B | -1.40B | -335.98M | -438.38M |
| Financing Cash Flow | -134.56M | -483.08M | -667.02M | -2.00B | -1.13B | - | -286.84M | -672.84M | -363.98M | 317.24M | -549.10M | 510.36M | -49.04M | -124.70M | 1.31B | -73.56M | 669.86M |
| Capital Expenditure | -4.64M | -9.97M | -3.38M | -1.93M | -9.12M | -7.91M | -5.28M | -5.30M | -6.47M | -11.49M | -12.97M | -15.26M | -23.05M | -31.00M | -17.86M | -21.34M | -18.38M |
| Free Cash Flow | -48.63M | -42.42M | -43.11M | 48.31M | 164.70M | - | 91.80M | 73.22M | 144.97M | 121.86M | 96.65M | 19.70M | 76.99M | 133.46M | 277.80M | 231.16M | 199.34M |
| Share Buybacks | 182.00K | 0 | 58.77M | 7.02M | 0 | 16.95M | 8.95M | 0 | 0 | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 6.9% | 1.3% | 5.0% | 2.8% | 11.1% | 9.0% | -0.3% | 6.4% | 5.6% | 8.4% | 5.1% | 6.8% | 13.7% | 15.9% | 15.2% | 15.8% | 14.8% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 14.70% | 6.21M | $309.17M |
| 2 | Vanguard Portfolio Management LLC | 7.36% | 3.11M | $154.72M |
| 3 | Dimensional Fund Advisors LP | 6.07% | 2.57M | $127.69M |
| 4 | State Street Corporation | 5.70% | 2.41M | $119.80M |
| 5 | First Trust Advisors LP | 5.49% | 2.32M | $115.55M |
| 6 | Vanguard Capital Management LLC | 4.52% | 1.91M | $94.96M |
| 7 | American Century Companies Inc | 3.79% | 1.60M | $79.65M |
| 8 | Charles Schwab Investment Management, Inc. | 3.36% | 1.42M | $70.68M |
| 9 | LSV Asset Management | 3.04% | 1.28M | $63.94M |
| 10 | Barrow, Hanley Mewhinney & Strauss, LLC | 2.89% | 1.22M | $60.80M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OFG
Why OFG Bancorp (OFG) is a Great Dividend Stock Right Now - Yahoo Finance
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Will Slowing Net Interest Income And Margin Pressure Change OFG Bancorp's (OFG) Growth Narrative - simplywall.st
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3 Small-Cap Stocks That Concern Us - The Globe and Mail
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OFG Bancorp to report Q2 results before July 21 market open - Stock Titan
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OFG — Frequently Asked Questions
What is the current share price of OFG Bancorp (OFG)?
As of 2026-07-15 16:51 PDT, OFG Bancorp (OFG) trades at $49.99 on NYSE. Its 52-week range is $36.56 to $50.15.
What is the market capitalisation of OFG?
OFG Bancorp (OFG) has a market capitalisation of $2.11B on NYSE.
What is the P/E ratio of OFG?
OFG trades at a trailing price-to-earnings (P/E) ratio of 10.33. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.54.
Does OFG pay a dividend?
OFG Bancorp (OFG) currently offers a dividend yield of 2.61%.
What is the return on equity (ROE) of OFG?
OFG has a return on equity (ROE) of 16.04%.
Is OFG a good stock to buy?
This page provides a data-driven analysis of OFG Bancorp (OFG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.