OFG Bancorp OFG
- Market cap
- $2.2B
- P/E
- 10.1×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4.56 | 7.80 | 8.50 | 16.12 | 8.63 | 16.00 | 24.39 | 22.34 | 33.19 | 33.15 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 14.48 | 13.85 | 18.65 | 24.95 | 23.74 | 27.73 | 30.93 | 38.47 | 47.66 | 46.11 |
High Price
|
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| 1,416 | 1,408 | 1,392 | 2,431 | 2,275 | 2,269 | 2,253 | 2,248 | 2,246 | 2,185 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
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| 423 | 424 | 441 | 456 | 598 | 582 | 647 | 777 | 874 | 904 |
Revenue
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| 86.50% | 90.23% | 89.89% | 88.82% | 89.14% | 92.82% | 94.83% | 88.68% | 81.47% | 80.92% |
Gross Margin
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| 85 | 68 | 133 | 75 | 95 | 215 | 244 | 265 | 254 | 234 |
EBT
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| 20.12% | 16.05% | 30.15% | 16.49% | 15.87% | 36.85% | 37.71% | 34.13% | 29.05% | 25.90% |
EBT Margin
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| 59 | 53 | 84 | 54 | 74 | 146 | 166 | 182 | 198 | 205 |
Net Income
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| 37 | 20 | 21 | 19 | 15 | 17 | 21 | 24 | 23 | 25 |
Depreciation
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| 9.64 | 9.66 | 9.70 | 8.89 | 11.64 | 11.43 | 13.48 | 16.45 | 18.73 | 20.29 |
Revenue/Sh
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| 1.03 | 0.88 | 1.59 | 0.93 | 1.32 | 2.85 | 3.46 | 3.85 | 4.25 | 4.60 |
Earnings/Sh
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| 1.79 | 3.45 | 2.94 | 2.14 | 0.68 | 1.96 | 3.42 | 6.26 | 5.41 | 4.89 |
Cash Flow/Sh
|
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| (0.12) | (0.13) | (0.22) | (0.21) | (0.30) | (0.44) | (0.55) | (0.38) | (0.89) | (0.38) |
Capex/Sh
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| 1.67 | 3.31 | 2.72 | 1.93 | 0.38 | 1.52 | 2.88 | 5.88 | 4.52 | 4.51 |
Free CF/Sh
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| 20.96 | 21.51 | 22.02 | 20.37 | 21.15 | 20.98 | 21.70 | 25.25 | 26.90 | 31.20 |
Book Value/Sh
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| 44 | 44 | 45 | 51 | 51 | 51 | 48 | 47 | 47 | 45 |
Shares
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| 12.84 | 10.17 | 10.35 | 25.12 | 14.15 | 9.32 | 8.00 | 9.61 | 9.93 | 8.89 |
PE Ratio
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| 1.38 | 0.93 | 1.70 | 2.66 | 1.59 | 2.32 | 2.05 | 2.24 | 2.26 | 2.02 |
PS Ratio
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| 0.79 | 0.51 | 0.82 | 1.27 | 0.96 | 1.27 | 1.28 | 1.46 | 1.57 | 1.31 |
PB Ratio
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| 0.51 | 0.10 | 0.93 | 1.04 | (1.86) | (1.07) | 1.21 | 1.49 | 1.89 | 1.30 |
EV/Sales
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| 2.92 | 0.28 | 3.32 | 4.79 | (56.41) | (8.04) | 5.65 | 4.08 | 7.84 | 6.54 |
EV/FCF
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| 79 | 151 | 133 | 110 | 35 | 100 | 164 | 296 | 253 | 218 |
Op' Cash Flow
|
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| (5) | (6) | (10) | (11) | (15) | (22) | (26) | (18) | (42) | (17) |
Capex
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| 73 | 146 | 124 | 99 | 20 | 78 | 138 | 278 | 211 | 201 |
FCF
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| (732) | (485) | (536) | (544) | 164 | (272) | (1,334) | (1,618) | (1,475) | (1,385) |
Working Cap'
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| 142 | 136 | 114 | 114 | 102 | 65 | 27 | 201 | 326 | 457 |
Total Debt
|
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| (372) | (353) | (337) | (739) | (2,066) | (1,977) | (547) | (586) | (320) | (647) |
Net Debt
|
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| 920 | 945 | 1,000 | 1,045 | 1,086 | 1,069 | 1,042 | 1,193 | 1,254 | 1,390 |
Sh' Equity
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| 0.67% | 0.61% | 1.13% | 0.60% | 0.71% | 1.47% | 1.69% | 1.72% | 1.73% | 1.71% |
ROA
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| 9.71% | 7.18% | 12.52% | 20.23% | 0.00% | 0.00% | 30.82% | 27.28% | 16.97% | 19.68% |
ROIC
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| 6.19% | 5.13% | 8.63% | 5.09% | 6.96% | 14.05% | 15.75% | 16.27% | 16.19% | 15.51% |
ROE
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OFG Bancorp (OFG) key facts
- OFG Bancorp (OFG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024.
- As of September 25, 2026, OFG traded at $51.94, a market capitalization of $2.2 billion.
- OFG Bancorp pays an annual dividend of $0.88 per share, a yield of 2.45%, with a payout ratio of 22.5%.
- Return on equity was 15.5% and debt-to-equity 0.32.
OFG Bancorp (OFG) Latest News
23 Sep
OFG Bancorp (OFG) rose into focus after Zacks boosted its current-year earnings by 5.6% over two months, while highlighting a 2.7% dividend yield. The stock fell 2.3% over the past week despite the revision, but remains up about 26% year-to-date and roughly 132.5% over five years. Simply Wall St. pegs fair value near $55 versus OFG’s close around $51.70, implying some upside still. The case rests on digital-banking adoption improving engagement, reducing expenses, and lifting margins through cost savings and fee-based revenue; ongoing efficiency gains are expected. However, concentrated Puerto Rico exposure and higher-risk auto loans could weaken credit trends and temper the upside. The piece also notes the search for other income-focused banks with similar momentum. Upside is highlighted with a fair value above current price, yet Puerto Rico exposure and auto loan risk temper impact.
22 Sep
Three Russell 2000 names are flagged as avoid, with OFG Bancorp (NYSE: OFG) highlighted as a concern among small-cap lenders. OFG, focused on Puerto Rico and the U.S. Virgin Islands, trades around $52.27 and carries about a $2.2 billion market cap. The piece notes muted 9.2% annual net interest income growth over five years and a flat NII outlook over the next 12 months, alongside a 33.4 basis point shrinkage in net interest margin over the last two years. These factors imply weaker profitability and growth relative to peers. Valuation sits near 1.5x forward P/B, prompting the report to caution that better opportunities exist. Ruger and EVgo are also listed as stocks to avoid, with a broader warning about the risks of Russell 2000 stocks. Muted NII growth, flat outlook, and narrowing NIM suggest negative sentiment and near-term pressure on OFG.
7 Sep
OFG Bancorp updated its net asset value, reopened offers for subscriptions to further applications, and adopted dividend and buyback policies. Dividend and buyback policy adoptions with net asset value updates can moderately influence investor sentiment and stock performance.
31 Aug
OFG Bancorp led Q2 earnings performance among regional banks. Top Q2 earnings ranking for OFG signals strong results likely to lift stock trajectory and sentiment.
23 Jul
OFG Bancorp shows positioning for a potential stock surge amid favorable operational and market factors. Positive outlook points to moderate effects on company trajectory without major confirmed shifts.
22 Jul
OFG Bancorp held its Q2 2026 earnings call covering quarterly financial results, operational updates, and forward guidance for investors and analysts. Quarterly earnings data and guidance directly inform near-term valuation and trading activity.
21 Jul
OFG Bancorp posted strong EPS growth in Q2 2026 alongside strategic advances that bolster operations and market position. Strong EPS growth and strategic advances signal major positive shifts in profitability and competitive stance.
OFG Bancorp Q2 earnings call highlighted net interest income growth, stable credit quality, and continued loan expansion in core markets. Q2 results provide routine performance updates with limited scope to shift long-term trajectory.
OFG Bancorp reported strong sales for Q2 CY2026. Strong quarterly sales results indicate moderately positive financial performance that can influence investor sentiment and short-term stock movement.
8 Jul
OFG Bancorp reported Q1 earnings, prompting analysis of whether to buy, sell or hold the stock based on financial results and outlook. Post-earnings review offers moderate insight into OFG financials that can influence near-term sentiment without major strategic shifts.
29 May
OFG Bancorp posted an earnings beat with a rising dividend, prompting assessment of whether these results shift its investment profile. Earnings beat and dividend increase can moderately affect near-term valuation and sentiment but remain routine quarterly events.
8 May
Surging earnings estimates signal upside potential for OFG Bancorp (OFG) stock. Surging earnings estimates reflect analyst optimism on future performance, poised to significantly boost investor sentiment and stock trajectory.
OFG Bancorp (OFG) receives rating upgrade to Strong Buy. Analyst upgrade to Strong Buy likely boosts investor sentiment and drives significant positive shift in market performance.
7 May
OFG Bancorp released its annual report for the year ended 31 December 2025, detailing financial performance, operations, and strategic outlook, accompanied by a notice of meeting. Annual report reveals comprehensive financial results and corporate governance updates, moderately influencing investor assessments of performance.
28 Apr
OFG Bancorp released its annual report and financial statements for the year ended 31 December 2025. Annual reports disclose comprehensive financial results and strategic outlooks that significantly shape investor sentiment and stock performance.
22 Apr
OFG Bancorp outperforms in Q1, driven by robust digital strategy enhancements and strong deposit growth. Q1 outperformance from digital strategy and deposit strength signals major positive shifts in operations and investor sentiment.
OFG Bancorp reported strong Q1 2026 earnings growth driven by robust loan expansion, deposit increases, and strategic initiatives including digital banking enhancements and market expansion. Strong earnings growth and strategic initiatives directly boost financial performance and investor confidence.
21 Apr
OFG Bancorp released Q1 2026 earnings call summary highlighting quarterly financial results, performance metrics, and forward guidance. Q1 2026 earnings results and guidance significantly shape OFG Bancorp's financial outlook and investor sentiment.
OFG Bancorp (NYSE:OFG) reported upbeat Q1 CY2026 results. Upbeat quarterly earnings highlight strong financial performance, poised to significantly boost investor sentiment and stock trajectory.
OFG Bancorp beat Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates signals robust financial health, likely driving positive stock performance and investor sentiment.
OFG Bancorp announced first-quarter 2026 financial results. Quarterly earnings reports for banks like OFG Bancorp typically drive significant shifts in investor sentiment and stock valuation based on performance metrics.
OFG Bancorp released Q1 earnings call highlights covering financial results, strategic updates, and forward guidance. Q1 earnings call highlights influence financial performance perceptions and short-term market sentiment without fundamentally altering long-term trajectory.
2 Mar
KBRA assigns preliminary ratings to OFG Bancorp, Inc., including BBB+ for senior unsecured notes and deposits, and affirms ratings for Oriental Bank at A- issuer and deposit ratings. KBRA's rating assignments and affirmations reflect solid creditworthiness for OFG Bancorp, likely supporting financial stability and investor confidence with moderate influence on performance.
1 Mar
OFG Bancorp's stock pricing faces scrutiny over whether it accurately accounts for recent regional bank sector concerns. Regional bank sector concerns may moderately affect OFG Bancorp's financial performance and investor sentiment.
12 Feb
OFG Bancorp (OFG) is highlighted among three low-volatility stocks that exhibit warning signs, indicating potential concerns regarding their future performance. Investors are advised to be cautious as these stocks may not be as stable as they appear, with underlying issues that could affect their market standing. The article emphasizes the importance of thorough analysis before making investment decisions in light of these warning signs. Warning signs indicate potential challenges that could moderately influence OFG's financial performance and market sentiment.
10 Feb
OFG Bancorp has announced a higher dividend and a new share buyback program, prompting discussions among investors about potential actions. The increased dividend reflects the company's strong financial position, while the buyback program indicates confidence in future growth. Analysts suggest that these moves could enhance shareholder value and attract more investors, but caution that market conditions and broader economic factors will also play a significant role in the company's performance. The higher dividend and buyback program are significant strategic moves that could enhance shareholder value and influence investor sentiment.
2 Feb
OFG Bancorp (OFG) is highlighted among five bank stocks that have recently increased their dividends, indicating a positive trend in shareholder returns. The article emphasizes the importance of dividend hikes as a sign of financial health and stability within the banking sector, suggesting that these stocks could be attractive options for investors seeking income. OFG's recent dividend increase positions it favorably in the market, reflecting confidence in its operational performance and future prospects. Recent dividend hikes suggest a moderately noticeable influence on OFG's financial performance and market sentiment.
OFG Bancorp has published a prospectus related to its upcoming securities offering. The document outlines the terms and conditions of the offering, including the number of shares and pricing details. This move is part of the bank's strategy to raise capital for growth initiatives and strengthen its financial position. The securities offering is expected to provide capital for growth, which may moderately influence financial performance.
OFG Bancorp has announced a portfolio update, highlighting recent developments and strategic adjustments within its investment holdings. The update reflects the company's ongoing efforts to optimize its asset management and align with market trends. Key changes in the portfolio are aimed at enhancing overall performance and positioning OFG for future growth in a competitive landscape. The portfolio update indicates a moderate shift in strategy that may influence financial performance and competitive positioning.
1 Feb
OFG Bancorp announced that its upcoming dividend will exceed last year's payout, signaling a positive outlook for the company's financial health and shareholder returns. This increase reflects the bank's strong performance and commitment to returning value to its investors. The increase in dividends indicates significant financial strength and could enhance investor sentiment.