Saturday 17 October 2026
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OFG Bancorp
OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024. In the quarter to June 2026, revenue grew 2.40%, EPS grew 20.9%, free cash flow grew 41.8% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
52.64
0.51
+0.98%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.84 | 10.17 | 10.35 | 25.12 | 14.15 | 9.32 | 8.00 | 9.61 | 9.93 | 8.89 |
Piotroski F-Score |
7 | 6 | 6 | 5 | 7 | 6 | 7 | 6 | 7 | 5 |
P/S ratio |
1.38 | 0.93 | 1.70 | 2.66 | 1.59 | 2.32 | 2.05 | 2.24 | 2.26 | 2.02 |
P/FCF ratio |
8.00 | 2.70 | 6.05 | 12.26 | 48.21 | 17.45 | 9.61 | 6.15 | 9.36 | 10.12 |
P/Operating CF |
18.49 | 8.66 | 12.51 | 17.67 | (64.19) | 170.82 | 27.17 | 16.22 | 51.56 | 30.83 |
P/B ratio |
0.79 | 0.51 | 0.82 | 1.27 | 0.96 | 1.27 | 1.28 | 1.46 | 1.57 | 1.31 |
Price to Tangible BV |
0.89 | 0.58 | 0.91 | 1.50 | 1.10 | 1.43 | 1.43 | 1.60 | 1.71 | 1.41 |
EV/Sales |
0.51 | 0.10 | 0.93 | 1.04 | (1.86) | (1.07) | 1.21 | 1.49 | 1.89 | 1.30 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
2.73 | 0.27 | 3.08 | 4.32 | (31.87) | (6.23) | 4.75 | 3.92 | 6.55 | 5.42 |
EV/FCF |
2.92 | 0.28 | 3.32 | 4.79 | (56.41) | (8.04) | 5.65 | 4.08 | 7.84 | 6.54 |
Quick Ratio |
0.09 | 0.10 | 0.08 | 0.11 | 0.25 | 0.23 | 0.07 | 0.08 | 0.07 | 0.10 |
Current Ratio |
0.86 | 0.90 | 0.90 | 0.93 | 1.02 | 0.97 | 0.85 | 0.84 | 0.85 | 0.87 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.18% | 2.19% | 1.73% | 1.23% | 1.03% | 0.65% | 0.27% | 1.77% | 2.83% | 3.66% |
Debt/Equity |
0.15 | 0.14 | 0.11 | 0.11 | 0.09 | 0.06 | 0.03 | 0.17 | 0.26 | 0.33 |
Asset Turnover |
0.06 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 |
Operating CF/Net income |
1.73 | 3.90 | 1.84 | 2.32 | 0.52 | 0.69 | 0.99 | 1.63 | 1.27 | 1.06 |
Capex/Depreciation |
(0.14) | (0.29) | (0.48) | (0.56) | (1.01) | (1.33) | (1.23) | (0.74) | (1.84) | (0.68) |
| 6.19% | 5.13% | 8.63% | 5.09% | 6.96% | 14.05% | 15.75% | 16.27% | 16.19% | 15.51% | |
| 0.67% | 0.61% | 1.13% | 0.60% | 0.71% | 1.47% | 1.69% | 1.72% | 1.73% | 1.71% | |
ROIC |
9.71% | 7.18% | 12.52% | 20.23% | 0.00% | 0.00% | 30.82% | 27.28% | 16.97% | 19.68% |
Return on Tangible Assets |
(6.85%) | (9.31%) | (15.49%) | (10.23%) | 27.38% | (80.45%) | (13.55%) | (12.01%) | (14.46%) | (15.88%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
66.38% | 74.18% | 59.75% | 67.06% | 70.58% | 55.97% | 57.11% | 54.55% | 52.42% | 55.02% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.30% | 0.26% | 0.32% | 0.47% | 0.36% | 1.07% | 0.65% | 0.64% | 0.82% | 0.69% |
Graham Net Nets |
(1.53) | (1.65) | (0.89) | (0.59) | (0.01) | (0.30) | (1.07) | (1.08) | (0.96) | (1.03) |
Graham Number |
19.92 | 18.62 | 26.75 | 19.82 | 23.88 | 36.68 | 41.10 | 46.71 | 50.77 | 56.89 |
Earnings Yield |
7.79% | 9.83% | 9.66% | 3.98% | 7.07% | 10.73% | 12.50% | 10.40% | 10.07% | 11.25% |
Free Cash Flow Yield |
12.50% | 37.01% | 16.53% | 8.16% | 2.07% | 5.73% | 10.40% | 16.27% | 10.68% | 9.88% |
Revenue per Share |
9.64 | 9.66 | 9.70 | 8.89 | 11.64 | 11.43 | 13.48 | 16.45 | 18.73 | 20.29 |
Operating CF per Share |
1.79 | 3.45 | 2.94 | 2.14 | 0.68 | 1.96 | 3.42 | 6.26 | 5.41 | 4.89 |
Capex per Share |
(0.12) | (0.13) | (0.22) | (0.21) | (0.30) | (0.44) | (0.55) | (0.38) | (0.89) | (0.38) |
Free Cash Flow per Share |
1.67 | 3.31 | 2.72 | 1.93 | 0.38 | 1.52 | 2.88 | 5.88 | 4.52 | 4.51 |
Cash per Share |
11.70 | 11.12 | 9.92 | 16.61 | 42.21 | 40.06 | 11.95 | 16.65 | 13.85 | 24.76 |
Shareholders Equity per Share |
20.96 | 21.51 | 22.02 | 20.37 | 21.15 | 20.98 | 21.70 | 25.25 | 26.90 | 31.20 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
20.96 | 21.51 | 22.02 | 20.37 | 21.15 | 20.98 | 21.70 | 25.25 | 26.90 | 31.20 |
Free Cash Flow |
73.26 | 145.54 | 123.53 | 98.88 | 19.75 | 77.56 | 138.24 | 277.84 | 210.79 | 200.76 |
Working Capital |
(731.94) | (484.57) | (536.23) | (543.98) | 163.88 | (272.24) | (1,333.90) | (1,618.48) | (1,475.23) | (1,385.02) |
Capital Expenditures |
(5.25) | (5.90) | (9.82) | (10.74) | (15.21) | (22.48) | (26.21) | (17.82) | (41.71) | (16.96) |
Net Current Asset Value |
(899.68) | (649.22) | (667.20) | (720.42) | (5.39) | (403.44) | (1,416.60) | (1,891.30) | (1,894.81) | (1,887.20) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 | 0.02 | 0.05 | 0.02 |
Price to Operating Income |
6.88 | 5.78 | 5.63 | 12.21 | 8.59 | 6.31 | 5.44 | 6.58 | 7.78 | 7.80 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.53 | 0.30 | 0.30 | 0.24 | 0.18 | 0.18 | 0.20 | 0.23 | 0.22 | 0.27 |
Cash ROIC |
4.65% | 9.27% | 7.90% | 4.91% | 0.59% | 2.44% | 8.41% | 12.74% | 9.47% | 6.81% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
29,782.87 | 42,237.76 | 40,234.97 | 55,095.73 | 47,318.93 | 75,070.84 | 93,376.31 | 40,486.21 | 21,662.21 | 21,719.29 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,691.12 | 4,731.98 | 4,853.80 | 6,303.36 | 8,057.13 | 8,509.38 | 8,585.74 | 9,165.27 | 9,683.48 | 9,933.77 |
Average Assets |
6,800.49 | 6,345.44 | 6,386.20 | 7,940.51 | 9,561.84 | 9,862.87 | 9,859.25 | 10,581.62 | 11,422.59 | 11,983.20 |
Average Common Equity |
732.74 | 756.76 | 838.49 | 930.68 | 973.73 | 1,031.57 | 1,055.78 | 1,117.94 | 1,223.93 | 1,322.19 |
Columns are period end dates