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OFG Bancorp OFG R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.ofgbancorp.com
Company Profile ↓
$51.27
+20.69% 1Y
Mkt Cap$2.17B
P/E10.11
P/B1.58
Div. Yield2.58%
52W High$53.58
52W Low$36.31
Book Value$33.30
EPS (TTM)$5.07

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

Strong Return on Equity

Generates a return on equity of 16.1%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 14.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.1, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 33.9%.

Dividend Income

Offers a dividend yield of 2.58%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +10.4%, earnings +20.9%.
  • 5-Year Trend Long-term compounding — profit CAGR 14.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:10.40%

Compounded Profit Growth

5 Years:14.67%
1 Year:20.90%

Stock Price Performance

1 Year:+20.69%
6 Months:+14.21%
3 Months:-1.44%
1 Month:-0.22%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 87% of range
$36.31 $53.58
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)48.92 · Neutral
Price Performance
1M-0.22%
3M-1.44%
6M+14.21%
1Y+20.69%
Valuation vs Sector

P/E of 10.11 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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 33.9%.
  • Profit CAGR of 14.7% over 5 years.
  • Attractive dividend yield of 2.58%.
  • 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.

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Valuation

Stock P/E
10.11
Industry PE
13.55
Forward P/E
10.01
PEG Ratio
0.92
Book Value
$33.30
Price to Book
1.58
P/S
3.41
EV/EBITDA
-
Dividend Yield
2.58%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
14.67%
Revenue (YoY)
10.40%
Earnings (YoY)
20.90%

Profitability & Returns

ROCE
-
ROE
16.08%
ROA
1.81%
Profit Margin
33.85%
Op Margin
43.32%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.39
EPS (TTM)
$5.07

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$577.99M
Total Assets
$12.15B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.97%
Chg in Prom Hold
-0.00%
FII / Inst Holding
99.79%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$2.17B
Total Revenue (TTM)
$651.16M
EBITDA
-
Free Cash Flow
$199.34M
Operating Cash Flow
$225.03M
Shares Outstanding
42.27M
Gross Margin
0.00%
Payout Ratio
25.64%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OFG OFG Bancorp R2KR3KFINANCIAL 51.27 10.11 $2.17B 2.58% - 16.08% - 14.67%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -----------------------000000000000-----
Net Income 37.54M19.62M23.75M21.31M19.53M-2.99M-3.11M4.57M14.17M14.34M15.12M15.15M17.10M3.32M16.92M19.65M23.10M23.47M23.98M7.38M1.80M21.79M27.44M30.37M40.83M41.67M37.52M40.43M41.92M46.23M44.17M44.87M49.69M51.13M47.00M45.57M51.80M51.84M53.94M58.78M
Diluted EPS 0.680.340.420.380.34-0.14-0.150.030.240.250.260.260.300.000.300.350.420.420.430.110.000.390.500.560.780.810.760.840.870.960.930.951.051.081.001.001.151.161.261.39

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------00000--
Net Income 22.95M9.83M34.45M24.55M98.45M85.18M-2.50M59.19M52.65M84.41M53.84M74.33M146.15M166.24M181.87M198.17M205.10M
Diluted EPS 0.75-0.500.670.351.731.50-0.371.030.881.520.921.322.813.443.834.234.58

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --7.31B6.69B9.21B8.16B7.45B7.10B6.50B6.19B6.58B9.30B9.83B9.90B9.82B11.34B11.50B12.47B
Total Equity -330.17M732.33M695.55M863.61M884.91M942.20M897.08M920.41M945.11M999.88M1.05B1.09B1.07B1.04B1.19B1.25B1.39B
Cash & Equivalents 66.37M277.11M440.38M591.49M855.24M621.27M573.43M536.71M510.44M485.20M447.03M851.31M2.15B2.02B550.31M748.17M591.14M1.04B
Long Term Debt ---105.83M0-------------
Total Liabilities --6.58B6.00B8.35B7.27B6.51B6.20B5.58B5.24B5.58B8.25B8.74B8.83B8.78B10.15B10.25B11.08B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -43.99M-32.44M-39.73M50.24M173.82M-97.08M78.51M151.44M133.35M109.62M34.96M100.04M164.46M295.66M252.50M217.72M
Investing Cash Flow 389.31M678.79M857.85M2.22B787.26M-153.04M568.06M187.30M-488.77M842.17M757.50M-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-363.98M317.24M-549.10M510.36M-49.04M-124.70M1.31B-73.56M669.86M
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-43.11M48.31M164.70M-91.80M73.22M144.97M121.86M96.65M19.70M76.99M133.46M277.80M231.16M199.34M
Share Buybacks 182.00K058.77M7.02M016.95M8.95M00--------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
0.97%
Institutions
99.79%
Public Float
100.76%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.58% 6.16M $311.35M
2 Vanguard Portfolio Management LLC 7.38% 3.12M $157.69M
3 Dimensional Fund Advisors LP 6.07% 2.57M $129.67M
4 State Street Corporation 5.89% 2.49M $125.85M
5 First Trust Advisors LP 5.58% 2.36M $119.27M
6 Vanguard Capital Management LLC 4.44% 1.87M $94.75M
7 American Century Companies Inc 4.11% 1.74M $87.81M
8 Charles Schwab Investment Management, Inc. 3.70% 1.56M $79.06M
9 LSV Asset Management 3.14% 1.33M $67.10M
10 Geode Capital Management, LLC 2.76% 1.17M $58.98M

Analyst View

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Latest News

Recent headlines for OFG

Google News hu, 22 Oct 2026

OFG Bancorp (OFG) Stock Gains Ground After Strong Q3 Earnings - Yahoo Finance

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Google News Wed, 21 Oct 2026

OFG Bancorp (NYSE:OFG) - Stock Analysis - Simply Wall Street

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Google News Wed, 21 Oct 2026

OFG Bancorp 2026 Q3 - Results - Earnings Call Presentation (NYSE:OFG) 2026-10-21 - Seeking Alpha

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Google News Wed, 21 Oct 2026

Earnings call transcript: OFG Bancorp tops Q3 2026 EPS estimates, shares fall - Investing.com

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Google News Wed, 21 Oct 2026

OFG Bancorp Q3 2026 Earnings Call Transcript - Benzinga

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Google News Mon, 19 Oct 2026

OFG Bancorp: Risks Remain, But Not Enough To Prevent An Upgrade (NYSE:OFG) - Seeking Alpha

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OFG — Frequently Asked Questions

What is the current share price of OFG Bancorp (OFG)?

As of 2026-10-23 16:27 PDT, OFG Bancorp (OFG) trades at $51.27 on NYSE. Its 52-week range is $36.31 to $53.58.

What is the market capitalisation of OFG?

OFG Bancorp (OFG) has a market capitalisation of $2.17B on NYSE.

What is the P/E ratio of OFG?

OFG trades at a trailing price-to-earnings (P/E) ratio of 10.11. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.58.

Does OFG pay a dividend?

OFG Bancorp (OFG) currently offers a dividend yield of 2.58%.

What is the return on equity (ROE) of OFG?

OFG has a return on equity (ROE) of 16.08%.

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.

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