OFG Stock Analysis: OFG Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.101m USD | 12M Return: 30.7% | PR67103X1020 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.1M
EPS Trend: 96.6%
Qual. Beats: 0
Rev. Trend: 97.1%
Qual. Beats: 4
Warnings
Tailwinds
Seasonality 11.7 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 that provides banking and financial services through three operating segments: Banking, Wealth Management, and Treasury. Founded in 1964 and headquartered in San Juan, Puerto Rico, it serves retail and institutional clients across the United States.
The companys Banking segment offers a full suite of deposit products (savings accounts, certificates of deposit, IRAs, and checking accounts) and lending products, including commercial, auto, mortgage, and consumer loans such as residential solar panel loans, credit cards, and lines of credit. Its Wealth Management segment provides securities brokerage, insurance agency, captive reinsurance, and trust services, while the Treasury segment manages a portfolio of mortgage-backed securities, U.S. government agency obligations, U.S. Treasury securities, and money market instruments, alongside asset/liability management and interest rate risk management activities.
As a mid-cap regional bank with a market capitalization of approximately $2.14 billion, OFG operates within a sector where regional institutions typically generate revenue from net interest income (the spread between loan yields and deposit costs) supplemented by fee-based services such as wealth management and mortgage banking. Its Puerto Rico headquarters places it in a market with a distinct regulatory environment, as the islands banking system is primarily overseen by the Office of the Commissioner of Financial Institutions of Puerto Rico and the FDIC.
- Puerto Rico economy drives loan and deposit growth
- Net interest margin compresses as Fed cuts rates
- Mortgage banking fees fluctuate with loan sale activity
| Net Income: 225.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.19 > 1.0 |
| NWC/Revenue: -758.0% < 20% (prev -844.4%; Δ 86.40% < -1%) |
| CFO/TA 0.02 > 3% & CFO 217.7m > Net Income 225.2m |
| Net Debt (-2.64b) to EBITDA (319.8m): -8.24 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (42.4m) vs 12m ago -4.96% < -2% |
| Gross Margin: 75.89% > 18% (prev 67.43%; Δ 8.45% > 0.5%) |
| Asset Turnover: 7.50% > 50% (prev 6.90%; Δ 0.60% > 0%) |
| Interest Coverage Ratio: 1.76 > 6 (EBIT TTM 294.4m / Interest Expense TTM 166.8m) |
| A: -0.57 (Total Current Assets 3.28b - Total Current Liabilities 10.2b) / Total Assets 12.1b |
| B: 0.08 (Retained Earnings 1.01b / Total Assets 12.1b) |
| C: 0.02 (EBIT TTM 294.4m / Avg Total Assets 12.2b) |
| D: 0.12 (Book Value of Equity 1.34b / Total Liabilities 10.8b) |
| Altman-Z'' = -3.18 = D |
| DSRI: 2.32 (Receivables 150.1m/59.7m, Revenue 914.1m/843.9m) |
| GMI: 0.89 (GM 67.43% / 75.89%) |
| AQI: 0.97 (AQ_t 0.72 / AQ_t-1 0.74) |
| SGI: 1.08 (Revenue 914.1m / 843.9m) |
| TATA: 0.00 (NI 225.2m - CFO 217.7m) / TA 12.1b) |
| Beneish M = -1.99 (Cap -4..+1) = B |
As of November 06, 2026, the stock is trading at USD 50.69 with a total of 367,736 shares traded. Over the past week, the price has changed by -0.37%, over one month by -0.55%, over three months by -3.93% and over the past year by +30.68%.
Current recommended Stop Loss: 49.20 (which is 2.9% or 1.2 ATR below the current price).
OFG Bancorp has received a consensus analysts rating of 3.40. Therefore, it is recommended to hold OFG.
- StrongBuy: 1
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.8 | 12% |
P/E Trailing = 9.5439
P/E Forward = 7.3855
P/S = 3.1765
P/B = 1.5987
P/EG = 0.9233
Revenue TTM = 914.1m USD
EBIT TTM = 294.4m USD
EBITDA TTM = 319.8m USD
Long Term Debt = 400.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 200.7m USD (from shortTermDebt, last quarter)
Debt = 647.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 21.4m
Net Debt = -2.64b USD (calculated: Debt 647.9m - CCE 3.28b)
Enterprise Value = 2.10b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.76 (Ebit TTM 294.4m / Interest Expense TTM 166.8m)
EV/FCF = 10.54x (Enterprise Value 2.10b / FCF TTM 199.3m)
FCF Yield = 9.49% (FCF TTM 199.3m / Enterprise Value 2.10b)
FCF Margin = 21.81% (FCF TTM 199.3m / Revenue TTM 914.1m)
Net Margin = 24.64% (Net Income TTM 225.2m / Revenue TTM 914.1m)
Gross Margin = 75.89% ((Revenue TTM 914.1m - Cost of Revenue TTM 220.4m) / Revenue TTM)
Gross Margin QoQ = 73.58% (prev 77.08%)
Tobins Q-Ratio = 0.17 (Enterprise Value 2.10b / Total Assets 12.1b)
Interest Expense / Debt = 25.75% (Interest Expense 166.8m / Debt 647.9m)
Taxrate = 14.20% (37.3m / 262.5m)
NOPAT = 252.6m (EBIT 294.4m * (1 - 14.20%))
Current Ratio = 0.32 (Total Current Assets 3.28b / Total Current Liabilities 10.2b)
Debt / Equity = 0.48 (Debt 647.9m / totalStockholderEquity, last quarter 1.34b)
Debt / EBITDA = -8.24 (Net Debt -2.64b / EBITDA 319.8m)
Debt / FCF = -13.22 (Net Debt -2.64b / FCF TTM 199.3m)
Total Stockholder Equity = 1.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.85% (Net Income 225.2m / Total Assets 12.1b)
RoE = 16.38% (Net Income TTM 225.2m / Total Stockholder Equity 1.38b)
RoCE = 16.58% (EBIT 294.4m / Capital Employed (Equity 1.38b + L.T.Debt 400.0m))
RoIC = 12.11% (NOPAT 252.6m / Invested Capital 2.09b)
WACC = 10.89% (E(2.10b)/V(2.75b) * Re(7.43%) + D(647.9m)/V(2.75b) * Rd(25.75%) * (1-Tc(0.14)))
Discount Rate = 7.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.46 | Cagr: -4.55%
[DCF] Terminal Value 69.75% ; FCFF base≈190.4m ; Y1≈213.9m ; Y5≈298.6m
[DCF] Fair Price = 137.1 (EV 3.12b - Net Debt -2.64b = Equity 5.76b / Shares 42.0m; r=10.89% [WACC]; 5y FCF grow 12.60% → 2.50% )
EPS Correlation: 96.62 | EPS CAGR: 11.48% | SUE: 0.80 | # QB: 0
Revenue Correlation: 97.11 | Revenue CAGR: 7.38% | SUE: 0.99 | # QB: 4
EPS current Quarter (2027-03-31): EPS=1.21 | Chg30d=+1.47% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=5.33 | Chg30d=+4.67% | Revisions=+50% | GrowthEPS=+16.3% | GrowthRev=+2.6%
EPS next Year (2027-12-31): EPS=5.21 | Chg30d=+1.64% | Revisions=+57% | GrowthEPS=-2.3% | GrowthRev=+1.9%
[Analyst] Revisions Ratio: +77% (up=10, down=0)