(OFG) OFG Bancorp - Ratings and Ratios
Loans, Deposits, Mortgages, Wealth Management, Treasury
Dividends
| Dividend Yield | 3.58% |
| Yield on Cost 5y | 9.18% |
| Yield CAGR 5y | 37.47% |
| Payout Consistency | 85.0% |
| Payout Ratio | 27.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.1% |
| Value at Risk 5%th | 42.9% |
| Relative Tail Risk | -13.43% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.34 |
| Alpha | -21.39 |
| CAGR/Max DD | 0.73 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.615 |
| Beta | 0.873 |
| Beta Downside | 0.974 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.56% |
| Mean DD | 7.71% |
| Median DD | 6.79% |
Description: OFG OFG Bancorp November 11, 2025
OFG Bancorp (NYSE:OFG) is a U.S.-based financial holding company headquartered in San Juan, Puerto Rico, operating through three primary segments: Banking, Wealth Management, and Treasury. The Banking segment delivers a full suite of deposit products (savings, CDs, IRAs, checking), commercial and consumer loan solutions (auto, mortgage, personal, solar, credit cards, lines of credit), and corporate trust services. The Wealth Management segment offers brokerage, insurance, captive reinsurance, trust administration, and a range of investment alternatives such as mutual funds, fixed-income securities, and equities. Treasury activities encompass asset-liability management, investment security trading, interest-rate risk hedging, and holdings of government-backed securities and money-market instruments.
As of the most recent filing, OFG reported total assets of roughly $12 billion and a loan-to-deposit ratio near 85%, indicating a relatively conservative balance-sheet posture for a regional bank. The company’s return on assets (ROA) hovered around 0.8% in 2023, while its efficiency ratio stayed in the low-50s percent range, reflecting solid cost control. Key macro drivers include the Fed’s higher-for-longer interest-rate environment, which can boost net-interest margins but also pressures deposit retention, and Puerto Rico’s ongoing economic recovery-particularly in tourism and infrastructure spending-that underpins loan demand in the island’s market.
For a deeper quantitative assessment, you may find ValueRay’s granular financial models and scenario analyses useful for evaluating OFG’s upside potential.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (199.6m TTM) > 0 and > 6% of Revenue (6% = 50.6m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -844.4% (prev -800.5%; Δ -43.96pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 196.8m <= Net Income 199.6m (YES >=105%, WARN >=100%) |
| Net Debt (319.2m) to EBITDA (265.0m) ratio: 1.20 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (44.7m) change vs 12m ago -4.98% (target <= -2.0% for YES) |
| Gross Margin 67.43% (prev 72.38%; Δ -4.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.12% (prev 7.12%; Δ 0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.42 (EBITDA TTM 265.0m / Interest Expense TTM 169.0m) >= 6 (WARN >= 3) |
Altman Z'' -3.35
| (A) -0.58 = (Total Current Assets 3.04b - Total Current Liabilities 10.17b) / Total Assets 12.23b |
| (B) 0.07 = Retained Earnings (Balance) 866.8m / Total Assets 12.23b |
| (C) 0.02 = EBIT TTM 239.5m / Avg Total Assets 11.85b |
| (D) 0.10 = Book Value of Equity 1.08b / Total Liabilities 10.85b |
| Total Rating: -3.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 70.18
| 1. Piotroski 4.0pt |
| 2. FCF Yield -38.53% |
| 3. FCF Margin 20.98% |
| 4. Debt/Equity 0.42 |
| 5. Debt/Ebitda 1.20 |
| 6. ROIC - WACC (= 3.40)% |
| 7. RoE 15.18% |
| 8. Rev. Trend 94.66% |
| 9. EPS Trend 89.00% |
What is the price of OFG shares?
Over the past week, the price has changed by +1.86%, over one month by +1.23%, over three months by -9.04% and over the past year by -7.59%.
Is OFG a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the OFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 48.3 | 19.2% |
| Analysts Target Price | 48.3 | 19.2% |
| ValueRay Target Price | 45.2 | 11.7% |
OFG Fundamental Data Overview December 03, 2025
P/E Trailing = 9.1295
P/S = 2.8659
P/B = 1.2697
P/EG = 0.93
Beta = 0.798
Revenue TTM = 843.9m USD
EBIT TTM = 239.5m USD
EBITDA TTM = 265.0m USD
Long Term Debt = 400.0m USD (from longTermDebt, last quarter)
Short Term Debt = 157.3m USD (from shortTermDebt, last quarter)
Debt = 582.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 319.2m USD (from netDebt column, last quarter)
Enterprise Value = -459.5m USD (1.79b + Debt 582.0m - CCE 2.83b)
Interest Coverage Ratio = 1.42 (Ebit TTM 239.5m / Interest Expense TTM 169.0m)
FCF Yield = -38.53% (FCF TTM 177.0m / Enterprise Value -459.5m)
FCF Margin = 20.98% (FCF TTM 177.0m / Revenue TTM 843.9m)
Net Margin = 23.65% (Net Income TTM 199.6m / Revenue TTM 843.9m)
Gross Margin = 67.43% ((Revenue TTM 843.9m - Cost of Revenue TTM 274.8m) / Revenue TTM)
Gross Margin QoQ = 65.99% (prev 69.53%)
Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -459.5m / Total Assets 12.23b)
Interest Expense / Debt = 7.80% (Interest Expense 45.4m / Debt 582.0m)
Taxrate = 15.53% (9.53m / 61.4m)
NOPAT = 202.3m (EBIT 239.5m * (1 - 15.53%))
Current Ratio = 0.30 (Total Current Assets 3.04b / Total Current Liabilities 10.17b)
Debt / Equity = 0.42 (Debt 582.0m / totalStockholderEquity, last quarter 1.38b)
Debt / EBITDA = 1.20 (Net Debt 319.2m / EBITDA 265.0m)
Debt / FCF = 1.80 (Net Debt 319.2m / FCF TTM 177.0m)
Total Stockholder Equity = 1.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.63% (Net Income 199.6m / Total Assets 12.23b)
RoE = 15.18% (Net Income TTM 199.6m / Total Stockholder Equity 1.31b)
RoCE = 13.96% (EBIT 239.5m / Capital Employed (Equity 1.31b + L.T.Debt 400.0m))
RoIC = 11.98% (NOPAT 202.3m / Invested Capital 1.69b)
WACC = 8.58% (E(1.79b)/V(2.37b) * Re(9.23%) + D(582.0m)/V(2.37b) * Rd(7.80%) * (1-Tc(0.16)))
Discount Rate = 9.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.92%
[DCF Debug] Terminal Value 77.68% ; FCFE base≈218.6m ; Y1≈269.7m ; Y5≈460.2m
Fair Price DCF = 143.3 (DCF Value 6.30b / Shares Outstanding 44.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 89.00 | EPS CAGR: 16.23% | SUE: 0.0 | # QB: 0
Revenue Correlation: 94.66 | Revenue CAGR: 12.30% | SUE: 0.58 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.06 | Chg30d=-0.028 | Revisions Net=-3 | Analysts=4
EPS next Year (2026-12-31): EPS=4.53 | Chg30d=-0.045 | Revisions Net=-1 | Growth EPS=+3.4% | Growth Revenue=+1.4%
Additional Sources for OFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle