(OFG) OFG Bancorp - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: PR67103X1020
Stock:
Total Rating 28
Risk 23
Buy Signal -0.79
| Risk 5d forecast | |
|---|---|
| Volatility | 31.3% |
| Relative Tail Risk | -16.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.07 |
| Alpha | -15.38 |
| Character TTM | |
|---|---|
| Beta | 0.806 |
| Beta Downside | 1.157 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.56% |
| CAGR/Max DD | 0.55 |
EPS (Earnings per Share)
Revenue
Description: OFG OFG Bancorp
OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 205.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.66 > 1.0 |
| NWC/Revenue: -1087 % < 20% (prev -803.0%; Δ -283.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 158.5m > Net Income 205.1m |
| Net Debt (-459.9m) to EBITDA (285.2m): -1.61 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (47.4m) vs 12m ago 2.42% < -2% |
| Gross Margin: 71.24% > 18% (prev 0.70%; Δ 7054 % > 0.5%) |
| Asset Turnover: 7.20% > 50% (prev 7.15%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 1.08 > 6 (EBITDA TTM 285.2m / Interest Expense TTM 172.5m) |
Altman Z'' -4.50
| A: -0.75 (Total Current Assets 1.22b - Total Current Liabilities 10.60b) / Total Assets 12.47b |
| B: 0.07 (Retained Earnings 904.6m / Total Assets 12.47b) |
| C: 0.02 (EBIT TTM 186.7m / Avg Total Assets 11.98b) |
| D: 0.09 (Book Value of Equity 947.6m / Total Liabilities 11.08b) |
| Altman-Z'' Score: -4.50 = D |
Beneish M -1.91
| DSRI: 2.16 (Receivables 162.0m/71.7m, Revenue 862.6m/822.8m) |
| GMI: 0.99 (GM 71.24% / 70.33%) |
| AQI: 1.24 (AQ_t 0.89 / AQ_t-1 0.72) |
| SGI: 1.05 (Revenue 862.6m / 822.8m) |
| TATA: 0.00 (NI 205.1m - CFO 158.5m) / TA 12.47b) |
| Beneish M-Score: -1.91 (Cap -4..+1) = B |
What is the price of OFG shares?
As of February 28, 2026, the stock is trading at USD 40.08 with a total of 407,130 shares traded.
Over the past week, the price has changed by -6.05%, over one month by +5.75%, over three months by +1.62% and over the past year by -1.99%.
Over the past week, the price has changed by -6.05%, over one month by +5.75%, over three months by +1.62% and over the past year by -1.99%.
Is OFG a buy, sell or hold?
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
What are the forecasts/targets for the OFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.4 | 10.8% |
| Analysts Target Price | 44.4 | 10.8% |
OFG Fundamental Data Overview February 28, 2026
P/E Trailing = 9.1376
P/S = 2.9483
P/B = 1.4175
P/EG = 0.93
Revenue TTM = 862.6m USD
EBIT TTM = 186.7m USD
EBITDA TTM = 285.2m USD
Long Term Debt = 400.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 100.7m USD (from shortTermDebt, last quarter)
Debt = 580.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -459.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.38b USD (1.84b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 9.45x (Enterprise Value 1.38b / FCF TTM 146.0m)
FCF Yield = 10.58% (FCF TTM 146.0m / Enterprise Value 1.38b)
FCF Margin = 16.93% (FCF TTM 146.0m / Revenue TTM 862.6m)
Net Margin = 23.78% (Net Income TTM 205.1m / Revenue TTM 862.6m)
Gross Margin = 71.24% ((Revenue TTM 862.6m - Cost of Revenue TTM 248.1m) / Revenue TTM)
Gross Margin QoQ = 80.56% (prev 65.99%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.38b / Total Assets 12.47b)
Interest Expense / Debt = 7.66% (Interest Expense 44.5m / Debt 580.5m)
Taxrate = 12.39% (29.0m / 234.1m)
NOPAT = 163.6m (EBIT 186.7m * (1 - 12.39%))
Current Ratio = 0.12 (Total Current Assets 1.22b / Total Current Liabilities 10.60b)
Debt / Equity = 0.42 (Debt 580.5m / totalStockholderEquity, last quarter 1.39b)
Debt / EBITDA = -1.61 (Net Debt -459.9m / EBITDA 285.2m)
Debt / FCF = -3.15 (Net Debt -459.9m / FCF TTM 146.0m)
Total Stockholder Equity = 1.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.71% (Net Income 205.1m / Total Assets 12.47b)
RoE = 15.21% (Net Income TTM 205.1m / Total Stockholder Equity 1.35b)
RoCE = 10.68% (EBIT 186.7m / Capital Employed (Equity 1.35b + L.T.Debt 400.0m))
RoIC = 9.48% (NOPAT 163.6m / Invested Capital 1.72b)
WACC = 8.37% (E(1.84b)/V(2.42b) * Re(8.89%) + D(580.5m)/V(2.42b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 80.07% ; FCFF base≈171.9m ; Y1≈212.1m ; Y5≈361.2m
[DCF] Fair Price = 141.9 (EV 5.68b - Net Debt -459.9m = Equity 6.14b / Shares 43.3m; r=8.37% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 91.56 | EPS CAGR: 14.67% | SUE: 2.06 | # QB: 1
Revenue Correlation: 94.10 | Revenue CAGR: 15.60% | SUE: 2.60 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.00 | Chg7d=+0.007 | Chg30d=-0.062 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=4.26 | Chg7d=-0.003 | Chg30d=-0.263 | Revisions Net=-3 | Growth EPS=-6.9% | Growth Revenue=-1.3%
EPS next Year (2027-12-31): EPS=4.55 | Chg7d=-0.050 | Chg30d=-0.238 | Revisions Net=-3 | Growth EPS=+6.8% | Growth Revenue=+1.8%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.1% (Discount Rate 8.9% - Earnings Yield 10.9%)
[Growth] Growth Spread = +1.8% (Analyst -0.3% - Implied -2.1%)
P/S = 2.9483
P/B = 1.4175
P/EG = 0.93
Revenue TTM = 862.6m USD
EBIT TTM = 186.7m USD
EBITDA TTM = 285.2m USD
Long Term Debt = 400.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 100.7m USD (from shortTermDebt, last quarter)
Debt = 580.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -459.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.38b USD (1.84b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 9.45x (Enterprise Value 1.38b / FCF TTM 146.0m)
FCF Yield = 10.58% (FCF TTM 146.0m / Enterprise Value 1.38b)
FCF Margin = 16.93% (FCF TTM 146.0m / Revenue TTM 862.6m)
Net Margin = 23.78% (Net Income TTM 205.1m / Revenue TTM 862.6m)
Gross Margin = 71.24% ((Revenue TTM 862.6m - Cost of Revenue TTM 248.1m) / Revenue TTM)
Gross Margin QoQ = 80.56% (prev 65.99%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.38b / Total Assets 12.47b)
Interest Expense / Debt = 7.66% (Interest Expense 44.5m / Debt 580.5m)
Taxrate = 12.39% (29.0m / 234.1m)
NOPAT = 163.6m (EBIT 186.7m * (1 - 12.39%))
Current Ratio = 0.12 (Total Current Assets 1.22b / Total Current Liabilities 10.60b)
Debt / Equity = 0.42 (Debt 580.5m / totalStockholderEquity, last quarter 1.39b)
Debt / EBITDA = -1.61 (Net Debt -459.9m / EBITDA 285.2m)
Debt / FCF = -3.15 (Net Debt -459.9m / FCF TTM 146.0m)
Total Stockholder Equity = 1.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.71% (Net Income 205.1m / Total Assets 12.47b)
RoE = 15.21% (Net Income TTM 205.1m / Total Stockholder Equity 1.35b)
RoCE = 10.68% (EBIT 186.7m / Capital Employed (Equity 1.35b + L.T.Debt 400.0m))
RoIC = 9.48% (NOPAT 163.6m / Invested Capital 1.72b)
WACC = 8.37% (E(1.84b)/V(2.42b) * Re(8.89%) + D(580.5m)/V(2.42b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 80.07% ; FCFF base≈171.9m ; Y1≈212.1m ; Y5≈361.2m
[DCF] Fair Price = 141.9 (EV 5.68b - Net Debt -459.9m = Equity 6.14b / Shares 43.3m; r=8.37% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 91.56 | EPS CAGR: 14.67% | SUE: 2.06 | # QB: 1
Revenue Correlation: 94.10 | Revenue CAGR: 15.60% | SUE: 2.60 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.00 | Chg7d=+0.007 | Chg30d=-0.062 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=4.26 | Chg7d=-0.003 | Chg30d=-0.263 | Revisions Net=-3 | Growth EPS=-6.9% | Growth Revenue=-1.3%
EPS next Year (2027-12-31): EPS=4.55 | Chg7d=-0.050 | Chg30d=-0.238 | Revisions Net=-3 | Growth EPS=+6.8% | Growth Revenue=+1.8%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.1% (Discount Rate 8.9% - Earnings Yield 10.9%)
[Growth] Growth Spread = +1.8% (Analyst -0.3% - Implied -2.1%)