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OFG Bancorp

OFG Financial Banks Regional

OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024.

Revenue
−1.39%
EPS
+14.5%
Free cash flow
+41.8%
Total debt
−12.1%

Quarter to September 2026, against a year earlier

50.76 0.75 −1.46%
Market cap
$2.1B
P/E
9.6×
Fwd P/E
9.4×
Dividend yield
2.66%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.06
Sold, $m 3.81
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — — —
Sell 2 — — — — — — 1 2 — — —
Insider Ownership 0.74%

Capital & Financial Ratios $m

Size
Market Cap 2,140.00
Revenue ttm 913.65
Net income ttm 220.44
Free cash flow ttm 204.10
Net debt Q (230.16)
Valuation
P/E 9.63
Forward P/E 9.42
Price / sales 2.34
Forward P/S Powerpack
Price / FCF 11.66
Price / book 1.60
Financial health
Current ratio Q 0.86
Debt / equity Q 0.30
Interest coverage Q —
Growth
Revenue growth Q −1.39% (below 0%: shrinking)
Operating income growth Q +17.01% (above 0%: growing)
EPS, this year +15.68% (at or above 15%: strong)
EPS, next year A −2.30% (below 0%: weak)
Revenue, next year A −16.99% (below 0%: weak)
EPS, past 5 yrs +28.25% (at or above 15%: strong)
EPS, next 5 yrs A +6.37%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 34.65%
10-year low 10-year high
P/S against its own 10 years 86.69%
10-year low 10-year high
P/B against its own 10 years 96.22%
10-year low 10-year high

Dividends raised 5 years running

Yield
2.66%
Annual rate
1.35
Payout ratio
25.7%
Growth, 2017–25
+22.3%/yr
  1. 0.24 ’17
  2. 0.25 ’18 +4
  3. 0.28 ’19 +12
  4. 0.28 ’20 +0
  5. 0.40 ’21 +43
  6. 0.70 ’22 +75
  7. 0.88 ’23 +26
  8. 1.00 ’24 +14
  9. 1.20 ’25 +20
  10. 1.40 ’26e +17
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 787 646 1,103 632
Receivables — — — —
Inventory — — — —
Other — — — —
8,260 8,352 9,188 8,898
2023 2024 2025 Q'26
Payables 9,762 9,605 10,263 9,989
ST’ Debt — — — —
Other 0 — 0 —
9,878 9,827 10,573 10,299

Compound Annual Growth %

10y 5y 3y
Sales 7.01% 8.62% 11.78%
Cash Flow 8.41% 44.17% 9.80%
Earnings 0.00% 24.78% 7.25%
Book Value 4.48% 5.06% 10.07%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.25 Actual 1.33

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.16 1.27 Beat by 0.11
Q1 FY26 1.02 1.26 Beat by 0.24
Q2 FY26 1.18 1.39 Beat by 0.21
Q3 FY26 1.25 1.33 Beat by 0.08
Q4 FY26 1.35 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.26 1.39 1.33 — —
’25 1.00 1.15 1.16 1.27 4.58
’24 1.05 1.08 1.00 1.09 4.23
’23 0.96 0.93 0.95 0.98 3.83
’22 0.76 0.84 0.87 0.97 3.44
’21 0.56 0.78 0.81 0.66 2.81
’20 0.00 0.39 0.50 0.42 1.32
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 226 230 228 — —
’25 219 225 232 229 904
’24 214 220 216 224 874
’23 178 188 196 215 777
’22 145 158 165 179 647
’21 141 146 145 151 582
’20 155 149 146 147 598
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 73 53 — — —
’25 83 36 40 59 218
’24 61 95 58 38 253
’23 52 47 89 108 296
’22 39 50 26 49 164
’21 36 32 24 8 100
’20 19 2 28 (15) 35
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 69 45 — — —
’25 79 32 36 55 201
’24 55 90 35 31 211
’23 49 43 85 101 278
’22 30 47 18 43 138
’21 33 26 19 (1) 78
’20 15 (1) 24 (19) 20
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 423 424 441 456 598 582 647 777 874 904 914 +8.8% 750 765 789 (4.4%)
Gross margin, % 86.50 90.23 89.89 88.82 89.14 92.82 94.83 88.68 81.47 80.92 81.74 (5.6) pt
EBT 85 68 133 75 95 215 244 265 254 234 263 +11.9%
EBT margin, % 20.12 16.05 30.15 16.49 15.87 36.85 37.71 34.13 29.05 25.90 28.73 +5.8 pt
Net income 59 53 84 54 74 146 166 182 198 205 220 +14.8%
Per share, $
Per share, $ Revenue 9.64 9.66 9.70 8.89 11.64 11.43 13.48 16.45 18.73 20.29 21.66 +8.6%
Earnings 1.03 0.88 1.59 0.93 1.32 2.85 3.46 3.85 4.25 4.60 5.27 +18.1%
Cash flow 1.79 3.45 2.94 2.14 0.68 1.96 3.42 6.26 5.41 4.89 0.00 +11.8%
Capex (0.12) (0.13) (0.22) (0.21) (0.30) (0.44) (0.55) (0.38) (0.89) (0.38) 0.00 +13.7%
Free cash flow 1.67 3.31 2.72 1.93 0.38 1.52 2.88 5.88 4.52 4.51 0.00 +11.7%
Book value 20.96 21.51 22.02 20.37 21.15 20.98 21.70 25.25 26.90 31.20 31.69 +4.5%
Shares, m 44 44 45 51 51 51 48 47 47 45 43 +0.2%
Valuation, ×
Valuation, × P/E 12.84 10.17 10.35 25.12 14.15 9.32 8.00 9.61 9.93 8.89 9.63 11.8
P/S 1.38 0.93 1.70 2.66 1.59 2.32 2.05 2.24 2.26 2.02 2.34 1.9
P/B 0.79 0.51 0.82 1.27 0.96 1.27 1.28 1.46 1.57 1.31 1.60 1.1
EV/Sales 0.51 0.10 0.93 1.04 (1.86) (1.07) 1.21 1.49 1.89 1.30 — 0.6
EV/FCF 2.92 0.28 3.32 4.79 (56.41) (8.04) 5.65 4.08 7.84 6.54 — (2.9)
Cash, $m
Cash, $m Operating cash flow 79 151 133 110 35 100 164 296 253 218 225 +12.0%
Capex (5) (6) (10) (11) (15) (22) (26) (18) (42) (17) (21) +13.9%
Free cash flow 73 146 124 99 20 78 138 278 211 201 204 +11.9%
Balance, $m
Balance, $m Working capital (732) (485) (536) (544) 164 (272) (1,334) (1,618) (1,475) (1,385) (1,400) +7.3%
Net debt (372) (353) (337) (739) (2,066) (1,977) (547) (586) (320) (647) (230) +6.3%
Shareholders’ equity 920 945 1,000 1,045 1,086 1,069 1,042 1,193 1,254 1,390 1,337 +4.7%
Returns, %
Returns, % ROA 0.67 0.61 1.13 0.60 0.71 1.47 1.69 1.72 1.73 1.71 1.85 +1.0 pt
ROIC 9.71 7.18 12.52 20.23 0.00 0.00 30.82 27.28 16.97 19.68 14.82 +10.0 pt
ROE 6.19 5.13 8.63 5.09 6.96 14.05 15.75 16.27 16.19 15.51 16.61 +9.3 pt
People
People Employees 1,416 1,408 1,392 2,431 2,275 2,269 2,253 2,248 2,246 2,185 — +4.9%
Revenue/emp, $m 0.30 0.30 0.32 0.19 0.26 0.26 0.29 0.35 0.39 0.41 — +3.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

OFG Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MBIN Merchants Bancorp $2.4B 8.3× 8.4× +13.68% (above 0%: growing) +136.04% (above 0%: growing) +267.73% (above 0%: growing) 57.39% 0.00% Compare
NWBI Northwest Bancshares, Inc. $2.2B 11.1× 10.9× +8.47% (above 0%: growing) +1,650.00% (above 0%: growing) +538.73% (above 0%: growing) 75.12% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 12.4× 12.3× −8.24% (below 0%: shrinking) −4.17% (below 0%: shrinking) +50.95% (above 0%: growing) 74.70% 0.00% Compare
BBAR BBVA Banco Frances S.A. $2.2B 7.9× — +0.73% (above 0%: growing) +83.33% (above 0%: growing) −107.66% (below 0%: shrinking) 67.81% 0.00% Compare
WAFD WaFd, Inc. $2.2B 9.2× 10.9× +8.60% (above 0%: growing) +4.11% (above 0%: growing) +33.88% (above 0%: growing) 58.85% 0.00% Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00%
SRCE 1st Source Corporation $2.1B 12.0× 11.6× +3.41% (above 0%: growing) +18.71% (above 0%: growing) +38.99% (above 0%: growing) 76.13% 0.00% Compare
FCF First Commonwealth Financial Corporation $2.0B 12.8× 12.0× +0.78% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 75.67% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00% Compare
Median of peers $2.2B 11.6× 11.6× +2.29% +28.11% +36.44% 74.91% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 3 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.48m 3.87m 172.01
2024 6.31m 8.61m 202.10
2023 3.49m 5.38m 174.51
2022 3.06m 3.45m 124.45
2021 3.02m 4.90m 116.81

Ownership

Directors and executive officers, together 1.23%
BlackRock, Inc. 14.60% of the votes
The Vanguard Group 12.40% of the votes
Dimensional Fund Advisors LP Building One 6.50% of the votes
State Street Corporation One Congress Street, Suite 6.20% of the votes
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

OFG Bancorp (OFG) Latest News

28 Oct

Impact 4 · · The Motley Fool

23 Oct

Impact 3 · · Zacks

22 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · StockStory

21 Oct

Impact 4 · · Moby
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · Business Wire earnings

19 Oct

Impact 3 · · StockStory

8 Oct

Impact 3 · · 24/7 Wall St.

5 Oct

Impact 3 · · Zacks

23 Sep

Impact 3 · · Simply Wall St.

22 Sep

Impact 3 · · StockStory

7 Sep

Impact 3 ·

31 Aug

Impact 4 ·

23 Jul

Impact 3 ·

22 Jul

Impact 3 · · Moby transcript

21 Jul

Impact 4 ·
Impact 3 · · MarketBeat
Impact 3 ·

8 Jul

Impact 3 ·

29 May

Impact 3 · · Simply Wall St.

8 May

Impact 4 · · Zacks
Impact 4 · · Zacks

7 May

Impact 3 · · GlobeNewswire

28 Apr

Impact 4 · · GlobeNewswire

OFG metrics, ten years each

stockrow.com/OFG · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com