OFG Stock Analysis: OFG Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.200m USD | 12M Return: 21% | PR67103X1020 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.4M
EPS Trend: 96.3%
Qual. Beats: 3
Rev. Trend: 95.6%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
OFG Bancorp is a U.S. financial holding company headquartered in San Juan, Puerto Rico, that operates through three segments: Banking, Wealth Management, and Treasury. Founded in 1964, the company provides retail and commercial banking products-including savings, checking, certificates of deposit, IRAs, and a full range of consumer and commercial loans-as well as mortgage banking, loan sales, and securitization activities. Its wealth management segment offers securities brokerage, insurance agency, captive reinsurance, and trust services, while the Treasury segment manages investment securities (mortgage-backed, U.S. government agency, and Treasury obligations) and conducts asset/liability management, including interest rate hedging and derivatives. As a regional bank holding company, OFG follows the standard U.S. structure in which the parent company owns and regulates the bank subsidiary separately; the Puerto Rico banking market is distinguished by oversight through the Office of the Commissioner of Financial Institutions rather than dual state-FDIC supervision typical in the mainland U.S.
- Puerto Rico economic recovery fuels loan and deposit growth
- Net interest margin compression risks as Fed cuts rates
- Mortgage banking revenue pressured by elevated rate environment
| Net Income: 220.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.23 > 1.0 |
| NWC/Revenue: -764.2% < 20% (prev -796.1%; Δ 31.96% < -1%) |
| CFO/TA 0.02 > 3% & CFO 225.0m > Net Income 220.4m |
| Net Debt (-2.84b) to EBITDA (308.4m): -9.22 < 3 |
| Current Ratio: 0.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (42.4m) vs 12m ago -5.85% < -2% |
| Gross Margin: 74.09% > 18% (prev 68.31%; Δ 5.78% > 0.5%) |
| Asset Turnover: 7.40% > 50% (prev 6.80%; Δ 0.60% > 0%) |
| Interest Coverage Ratio: 1.67 > 6 (EBIT TTM 284.0m / Interest Expense TTM 170.1m) |
| A: -0.57 (Total Current Assets 3.64b - Total Current Liabilities 10.5b) / Total Assets 12.2b |
| B: 0.08 (Retained Earnings 976.9m / Total Assets 12.2b) |
| C: 0.02 (EBIT TTM 284.0m / Avg Total Assets 12.2b) |
| D: 0.13 (Book Value of Equity 1.41b / Total Liabilities 10.7b) |
| Altman-Z'' = -3.17 = D |
| DSRI: 0.97 (Receivables 175.1m/166.8m, Revenue 902.5m/832.1m) |
| GMI: 0.92 (GM 68.31% / 74.09%) |
| AQI: 0.99 (AQ_t 0.69 / AQ_t-1 0.70) |
| SGI: 1.08 (Revenue 902.5m / 832.1m) |
| TATA: -0.00 (NI 220.4m - CFO 225.0m) / TA 12.2b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of September 07, 2026, the stock is trading at USD 53.22 with a total of 137,053 shares traded. Over the past week, the price has changed by +1.51%, over one month by -0.36%, over three months by +16.63% and over the past year by +20.97%.
Current recommended Stop Loss: 52.10 (which is 2.1% or 1.3 ATR below the current price).
OFG Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy OFG.
- StrongBuy: 1
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.5 | 6.2% |
P/E Trailing = 10.3479
P/E Forward = 7.3855
P/S = 3.3785
P/B = 1.5645
P/EG = 0.9233
Revenue TTM = 902.5m USD
EBIT TTM = 284.0m USD
EBITDA TTM = 308.4m USD
Long Term Debt = 400.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 556.6m USD (from shortTermDebt, last quarter)
Debt = 599.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 21.4m
Net Debt = -2.84b USD (calculated: Debt 599.4m - CCE 3.44b)
Enterprise Value = 2.20b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.67 (Ebit TTM 284.0m / Interest Expense TTM 170.1m)
EV/FCF = 10.86x (Enterprise Value 2.20b / FCF TTM 202.7m)
FCF Yield = 9.21% (FCF TTM 202.7m / Enterprise Value 2.20b)
FCF Margin = 22.46% (FCF TTM 202.7m / Revenue TTM 902.5m)
Net Margin = 24.43% (Net Income TTM 220.4m / Revenue TTM 902.5m)
Gross Margin = 74.09% ((Revenue TTM 902.5m - Cost of Revenue TTM 233.8m) / Revenue TTM)
Gross Margin QoQ = 77.08% (prev 72.26%)
Tobins Q-Ratio = 0.18 (Enterprise Value 2.20b / Total Assets 12.2b)
Interest Expense / Debt = 28.37% (Interest Expense 170.1m / Debt 599.4m)
Taxrate = 12.55% (31.6m / 252.1m)
NOPAT = 248.3m (EBIT 284.0m * (1 - 12.55%))
Current Ratio = 0.35 (Total Current Assets 3.64b / Total Current Liabilities 10.5b)
Debt / Equity = 0.43 (Debt 599.4m / totalStockholderEquity, last quarter 1.41b)
Debt / EBITDA = -9.22 (Net Debt -2.84b / EBITDA 308.4m)
Debt / FCF = -14.03 (Net Debt -2.84b / FCF TTM 202.7m)
Total Stockholder Equity = 1.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 220.4m / Total Assets 12.2b)
RoE = 15.92% (Net Income TTM 220.4m / Total Stockholder Equity 1.38b)
RoCE = 15.91% (EBIT 284.0m / Capital Employed (Equity 1.38b + L.T.Debt 400.0m))
RoIC = 11.68% (NOPAT 248.3m / Invested Capital 2.13b)
WACC = 11.74% (E(2.20b)/V(2.80b) * Re(8.18%) + D(599.4m)/V(2.80b) * Rd(28.37%) * (1-Tc(0.13)))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.41 | Cagr: -4.79%
[DCF] Terminal Value 67.81% ; FCFF base≈192.0m ; Y1≈220.1m ; Y5≈324.0m
[DCF] Fair Price = 139.2 (EV 3.04b - Net Debt -2.84b = Equity 5.88b / Shares 42.3m; r=11.74% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.28 | EPS CAGR: 10.11% | SUE: 2.32 | # QB: 3
Revenue Correlation: 95.55 | Revenue CAGR: 8.51% | SUE: 1.17 | # QB: 3
EPS current Quarter (2026-09-30): EPS=1.23 | Chg30d=+4.12% | Revisions=+57% | Analysts=5
EPS current Year (2026-12-31): EPS=5.09 | Chg30d=+7.95% | Revisions=+50% | GrowthEPS=+11.1% | GrowthRev=+2.8%
EPS next Year (2027-12-31): EPS=5.12 | Chg30d=+8.69% | Revisions=+57% | GrowthEPS=+0.6% | GrowthRev=+1.1%
[Analyst] Revisions Ratio: +79% (up=11, down=0)