(OFG) OFG Bancorp - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: PR67103X1020
Stock: Loans, Deposits, Insurance, Brokerage, Securities
Total Rating 31
Risk 40
Buy Signal -0.28
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.87% |
| Yield on Cost 5y | 9.49% |
| Yield CAGR 5y | 31.61% |
| Payout Consistency | 86.3% |
| Payout Ratio | 26.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Relative Tail Risk | -15.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.15 |
| Alpha | -15.58 |
| Character TTM | |
|---|---|
| Beta | 0.792 |
| Beta Downside | 0.970 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.56% |
| CAGR/Max DD | 0.62 |
Description: OFG OFG Bancorp January 14, 2026
OFG Bancorp (NYSE:OFG) is a U.S.-based financial holding company headquartered in San Juan, Puerto Rico, operating through Banking, Wealth Management, and Treasury segments. It offers a full suite of deposit products, commercial and consumer loans-including auto, mortgage, and solar panel financing-plus wealth-management services such as brokerage, insurance, and trust solutions, while also managing a portfolio of government-backed securities and engaging in asset-liability management.
Key data points to watch: (1) the bank’s net interest margin (NIM) has averaged ~3.2% over the past 12 months, reflecting sensitivity to the Federal Reserve’s rate hikes; (2) loan growth slowed to ~2% YoY in Q4 2023, with commercial real-estate exposure remaining a sector-specific risk; and (3) deposits rose ~4% YoY, driven largely by higher-yield savings accounts that attract funds from the Puerto Rican market, where GDP growth is modest (~1.5% annualized). These drivers suggest that OFG’s earnings are closely tied to interest-rate cycles and regional economic conditions.
For a deeper dive into OFG’s valuation metrics and scenario analysis, check the ValueRay profile.
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 -1.02 > 1.0 |
| NWC/Revenue: -1087 % < 20% (prev -803.0%; Δ -283.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 196.8m > 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 196.8m) / TA 12.47b) |
| Beneish M-Score: -1.91 (Cap -4..+1) = B |
What is the price of OFG shares?
As of February 07, 2026, the stock is trading at USD 40.94 with a total of 308,715 shares traded.
Over the past week, the price has changed by +1.59%, over one month by -1.59%, over three months by +2.84% and over the past year by -4.16%.
Over the past week, the price has changed by +1.59%, over one month by -1.59%, over three months by +2.84% and over the past year by -4.16%.
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 | 8.5% |
| Analysts Target Price | 44.4 | 8.5% |
| ValueRay Target Price | 47.5 | 16.1% |
OFG Fundamental Data Overview February 02, 2026
P/E Trailing = 8.6853
P/S = 2.8391
P/B = 1.2367
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 = 1.31b USD (1.77b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 7.41x (Enterprise Value 1.31b / FCF TTM 177.0m)
FCF Yield = 13.50% (FCF TTM 177.0m / Enterprise Value 1.31b)
FCF Margin = 20.52% (FCF TTM 177.0m / 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 1.31b / 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 = -2.60 (Net Debt -459.9m / FCF TTM 177.0m)
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 = 8.31% (E(1.77b)/V(2.35b) * Re(8.83%) + D(580.5m)/V(2.35b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF Debug] Terminal Value 80.27% ; FCFF base≈218.6m ; Y1≈269.7m ; Y5≈459.3m
Fair Price DCF = 179.5 (EV 7.31b - Net Debt -459.9m = Equity 7.77b / Shares 43.3m; r=8.31% [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=0.99 | Chg30d=-0.070 | Revisions Net=-3 | Analysts=4
EPS current Year (2026-12-31): EPS=4.26 | Chg30d=-0.260 | Revisions Net=-3 | Growth EPS=-6.9% | Growth Revenue=-0.1%
EPS next Year (2027-12-31): EPS=4.60 | Chg30d=-0.188 | Revisions Net=-3 | Growth EPS=+7.9% | Growth Revenue=+2.9%
P/S = 2.8391
P/B = 1.2367
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 = 1.31b USD (1.77b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 7.41x (Enterprise Value 1.31b / FCF TTM 177.0m)
FCF Yield = 13.50% (FCF TTM 177.0m / Enterprise Value 1.31b)
FCF Margin = 20.52% (FCF TTM 177.0m / 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 1.31b / 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 = -2.60 (Net Debt -459.9m / FCF TTM 177.0m)
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 = 8.31% (E(1.77b)/V(2.35b) * Re(8.83%) + D(580.5m)/V(2.35b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF Debug] Terminal Value 80.27% ; FCFF base≈218.6m ; Y1≈269.7m ; Y5≈459.3m
Fair Price DCF = 179.5 (EV 7.31b - Net Debt -459.9m = Equity 7.77b / Shares 43.3m; r=8.31% [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=0.99 | Chg30d=-0.070 | Revisions Net=-3 | Analysts=4
EPS current Year (2026-12-31): EPS=4.26 | Chg30d=-0.260 | Revisions Net=-3 | Growth EPS=-6.9% | Growth Revenue=-0.1%
EPS next Year (2027-12-31): EPS=4.60 | Chg30d=-0.188 | Revisions Net=-3 | Growth EPS=+7.9% | Growth Revenue=+2.9%