Overview Dividends

(OFG) OFG Bancorp - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: PR67103X1020

Commercial Loans, Consumer Loans, Mortgage, Credit Cards, Insurance

OFG EPS (Earnings per Share)

EPS Growth (3Y CAGR): 6.72%
EPS Trend (3Y Correlation): 81.0%

OFG Revenue

Revenue Growth (3Y CAGR): 12.34%
Revenue Trend (3Y Correlation): 92.7%

Description: OFG OFG Bancorp August 10, 2025

OFG Bancorp (NYSE:OFG) is a regional bank holding company listed on the New York Stock Exchange. As a regional bank, its performance is closely tied to the overall health of the US economy, particularly interest rates and the housing market.

The companys stock has a market capitalization of approximately $1.955 billion, with a price-to-earnings ratio of 10.28, indicating a relatively undervalued stock compared to its earnings. The return on equity (RoE) stands at 14.97%, suggesting a strong ability to generate profits from shareholders equity.

Key drivers for OFG Bancorps performance include net interest income, which is influenced by interest rates and the banks ability to manage its asset and liability mix. Other important KPIs include the banks efficiency ratio, return on assets (RoA), and the ratio of non-performing assets to total assets. The banks exposure to the US housing market, through mortgage lending and other related activities, also plays a significant role in its overall performance.

Economic indicators such as GDP growth, unemployment rates, and the overall direction of interest rates will be crucial in determining the banks future prospects. A rising interest rate environment can boost net interest margins, while a declining rate environment may pressure margins. Additionally, regulatory changes and the competitive landscape within the regional banking sector will also impact OFG Bancorps strategic positioning and financial performance.

OFG Stock Overview

Market Cap in USD	1,733m
Sub-Industry	Regional Banks
IPO / Inception	1990-03-28

OFG Stock Ratings

Growth Rating	44.3%
Fundamental	78.6%
Dividend Rating	76.0%
Return 12m vs S&P 500	-22.5%
Analyst Rating	4.0 of 5

OFG Dividends

Dividend Yield 12m	2.88%
Yield on Cost 5y	7.68%
Annual Growth 5y	37.47%
Payout Consistency	86.2%
Payout Ratio	26.1%

OFG Growth Ratios

Growth Correlation 3m	-64.3%
Growth Correlation 12m	9.9%
Growth Correlation 5y	94%
CAGR 5y	14.60%
CAGR/Max DD 3y (Calmar Ratio)	0.59
CAGR/Mean DD 3y (Pain Ratio)	1.90
Sharpe Ratio 12m	-0.34
Alpha	-14.37
Beta	0.808
Volatility	29.45%
Current Volume	209.6k
Average Volume 20d	260.4k
Stop Loss	38.8 (-3.2%)
Signal	0.60

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (199.6m TTM) > 0 and > 6% of Revenue (6% = 51.6m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -1.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1021 % (prev -800.5%; Δ -220.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 215.4m > Net Income 199.6m (YES >=105%, WARN >=100%)

Net Debt (-740.3m) to EBITDA (258.4m) ratio: -2.86 <= 3.0 (WARN <= 3.5)

Current Ratio 0.09 (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 76.59% (prev 72.38%; Δ 4.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.25% (prev 7.12%; Δ 0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.44 (EBITDA TTM 258.4m / Interest Expense TTM 123.6m) >= 6 (WARN >= 3)

Altman Z'' -4.29

(A) -0.72 = (Total Current Assets 903.7m - Total Current Liabilities 9.68b) / Total Assets 12.23b

(B) 0.07 = Retained Earnings (Balance) 866.8m / Total Assets 12.23b

(D) 0.08 = Book Value of Equity 899.4m / Total Liabilities 10.85b

Total Rating: -4.29 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.61

1. Piotroski 5.0pt = 0.0

2. FCF Yield 10.87% = 5.0

3. FCF Margin 20.49% = 5.12

4. Debt/Equity 0.46 = 2.40

5. Debt/Ebitda -2.86 = 2.50

6. ROIC - WACC (= 1.06)% = 1.32

7. RoE 15.18% = 1.26

8. Rev. Trend 92.74% = 6.96

9. EPS Trend 80.99% = 4.05

What is the price of OFG shares?

As of November 07, 2025, the stock is trading at USD 40.10 with a total of 209,560 shares traded.
Over the past week, the price has changed by +4.95%, over one month by -7.11%, over three months by -4.21% and over the past year by -11.02%.

Is OFG Bancorp a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, OFG Bancorp (NYSE:OFG) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 78.61 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OFG is around 39.88 USD . This means that OFG is currently overvalued and has a potential downside of -0.55%.

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.

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	20.3%
Analysts Target Price	48.3	20.3%
ValueRay Target Price	44.3	10.5%

OFG Fundamental Data Overview November 05, 2025

Market Cap USD = 1.73b (1.73b USD * 1.0 USD.USD)
P/E Trailing = 8.8977
P/S = 2.7772
P/B = 1.4175
P/EG = 0.93
Beta = 0.808
Revenue TTM = 859.3m USD
EBIT TTM = 178.1m USD
EBITDA TTM = 258.4m USD
Long Term Debt = 326.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 100.8m USD (from shortTermDebt, last quarter)
Debt = 628.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -740.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.62b USD (1.73b + Debt 628.7m - CCE 740.9m)
Interest Coverage Ratio = 1.44 (Ebit TTM 178.1m / Interest Expense TTM 123.6m)
FCF Yield = 10.87% (FCF TTM 176.1m / Enterprise Value 1.62b)
FCF Margin = 20.49% (FCF TTM 176.1m / Revenue TTM 859.3m)
Net Margin = 23.22% (Net Income TTM 199.6m / Revenue TTM 859.3m)
Gross Margin = 76.59% ((Revenue TTM 859.3m - Cost of Revenue TTM 201.2m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 69.53%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.62b / Total Assets 12.23b)
Interest Expense / Debt = 6.75% (Interest Expense 42.4m / Debt 628.7m)
Taxrate = 15.53% (9.53m / 61.4m)
NOPAT = 150.4m (EBIT 178.1m * (1 - 15.53%))
Current Ratio = 0.09 (Total Current Assets 903.7m / Total Current Liabilities 9.68b)
Debt / Equity = 0.46 (Debt 628.7m / totalStockholderEquity, last quarter 1.38b)
Debt / EBITDA = -2.86 (Net Debt -740.3m / EBITDA 258.4m)
Debt / FCF = -4.20 (Net Debt -740.3m / FCF TTM 176.1m)
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 = 10.85% (EBIT 178.1m / Capital Employed (Equity 1.31b + L.T.Debt 326.0m))
RoIC = 9.17% (NOPAT 150.4m / Invested Capital 1.64b)
WACC = 8.11% (E(1.73b)/V(2.36b) * Re(8.99%) + D(628.7m)/V(2.36b) * Rd(6.75%) * (1-Tc(0.16)))
Discount Rate = 8.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.92%
[DCF Debug] Terminal Value 78.43% ; FCFE base≈238.2m ; Y1≈293.8m ; Y5≈501.3m
Fair Price DCF = 161.5 (DCF Value 7.15b / Shares Outstanding 44.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 80.99 | EPS CAGR: 6.72% | SUE: 0.0 | # QB: 0
Revenue Correlation: 92.74 | Revenue CAGR: 12.34% | SUE: 0.88 | # QB: 1

Additional Sources for OFG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle