OFG Bancorp OFG R2K

Financial Services · Banks - Regional · United States

https://www.ofgbancorp.com/Overview/default.aspx

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.

Market & Price

Market Cap

$1.93B

Current Price

$45.56

High / Low (52W)

$46.10 / $36.82

Beta

0.73

Valuation

Stock P/E

9.41

Industry PE

12.01

Forward P/E

9.69

PEG Ratio

0.92

Book Value

$32.35

Price to Book

1.41

P/S

3.03

EV/EBITDA

Dividend Yield

2.85%

Profitability & Returns

ROCE

ROE

16.04%

ROA

1.80%

Profit Margin

33.64%

Op Margin

43.76%

EPS (Latest Qtr)

$1.26

EPS (TTM)

$4.84

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$578.76M

Total Assets

$12.47B

Current Assets

Working Capital

Ownership

Promoter Holding

1.12%

Chg in Prom Hold

FII / Inst Holding

98.30%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.87B

Total Revenue (TTM)

$634.53M

EBITDA

Free Cash Flow

Operating Cash Flow

$207.77M

Shares Outstanding

42.26M

Gross Margin

0.00%

Payout Ratio

25.83%

Growth (CAGR)

Revenue 5Y

6.38%

Profit 5Y

7.25%

Revenue (YoY)

6.90%

Earnings (YoY)

26.00%

PROS

Excellent profit margin of 33.6%.
Attractive dividend yield of 2.85%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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	45.56	9.41	$1.93B	2.85%	-	16.04%	6.38%	7.25%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	0	0	0	0	0	0	0	-	-	166.68M	167.91M	171.23M	174.39M	174.81M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	40.15M	42.42M	45.42M	44.48M	40.31M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	59.45M	65.88M	61.37M	47.42M	68.79M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.88M	14.08M	9.53M	-8.47M	14.86M
Net Income	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	-	-	45.57M	51.80M	51.84M	55.89M	53.94M
Diluted EPS	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	1.15	1.16	1.27	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	-	565.01M	640.14M	660.94M	680.22M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	33.49M	88.01M	161.84M	172.47M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	244.10M	265.25M	253.75M	234.12M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	77.87M	83.38M	55.58M	29.01M
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	-	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	-	3.44	3.83	4.23	4.58

Compounded Sales Growth

5 Years:	6.38%
1 Year:	6.90%

Compounded Profit Growth

5 Years:	7.25%
1 Year:	26.00%

Stock Price Performance

1 Year:	+13.28%
6 Months:	+14.48%
3 Months:	+14.68%
1 Month:	+1.47%

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	-	9.82B	11.34B	11.50B	12.47B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	-	550.31M	748.17M	591.14M	1.04B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	56.56M	62.40M	71.40M	71.67M	-
Total Liabilities	-	-	6.58B	6.00B	8.35B	7.27B	6.51B	6.20B	5.58B	5.24B	5.58B	8.25B	8.74B	-	8.78B	10.15B	10.25B	11.08B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	105.83M	0	-	-	-	-	-	-	-	-	-	318.00K	200.00M	55.00M	400.01M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	54.40M	224.80M	347.34M	479.75M
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	-	1.04B	1.19B	1.25B	1.39B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	59.89M	59.89M	59.89M	59.89M

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	-	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	-	-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	-	-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	-	-31.00M	-17.86M	-41.71M	-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	-	133.46M	277.80M	210.79M	199.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.47B	197.71M	-157.04M	449.20M
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 %	-	-	-	-	-	-	-	-	-	-	-	-	-	29.4%	28.4%	30.0%	30.2%
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%	-	15.9%	15.2%	15.8%	14.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.12%

Institutions

98.30%

Public Float

99.42%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.70%	6.21M	$283.04M
2	Vanguard Portfolio Management LLC	7.36%	3.11M	$141.65M
3	Dimensional Fund Advisors LP	6.07%	2.57M	$116.90M
4	State Street Corporation	5.70%	2.41M	$109.68M
5	First Trust Advisors LP	5.49%	2.32M	$105.79M
6	Vanguard Capital Management LLC	4.52%	1.91M	$86.94M
7	American Century Companies Inc	3.79%	1.60M	$72.92M
8	Charles Schwab Investment Management, Inc.	3.36%	1.42M	$64.71M
9	LSV Asset Management	3.04%	1.28M	$58.54M
10	Barrow, Hanley Mewhinney & Strauss, LLC	2.89%	1.22M	$55.66M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for OFG

No recent headlines available.

OFG · Financial Services

OFG Bancorp

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	2,181
Website	https://www.ofgbancorp.com/Overview/default.aspx

Press Esc or click outside to close.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All USA Stocks

OFG Bancorp OFG R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

Explore More