(OFG) OFG Bancorp - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.789m USD | Total Return: 20.8% in 12m

Loans, Deposits, Investments, Brokerage, Insurance

Total Rating 27

Safety 26

Buy Signal 1.06

Banks - Regional
Industry Rotation: +14.6

Market Cap: 1.79B
Avg Turnover: 10.2M USD

ATR: 2.23%
Peers RS (IBD): 13.4

Risk 5d forecast

Volatility30.5%

Rel. Tail Risk-15.1%

Reward TTM

Sharpe Ratio0.92

Alpha-0.83

Character TTM

Beta0.768

Beta Downside1.280

Drawdowns 3y

Max DD24.56%

CAGR/Max DD1.03

EPS (Earnings per Share)

EPS CAGR: -45.18%
EPS Trend: -12.7%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 15.60%
Rev. Trend: 94.1%

Last SUE: 2.60
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: OFG OFG Bancorp

OFG Bancorp is a financial holding company operating in the United States, specifically headquartered in San Juan, Puerto Rico. The company provides diverse banking and financial services through three segments: Banking, Wealth Management, and Treasury. Regional banks typically focus on a specific geographic area, offering personalized services to local customers and businesses.

Its Banking segment offers various deposit products, including savings accounts, CDs, IRAs, and checking accounts. It also provides a comprehensive suite of lending products, such as commercial, auto, mortgage, and consumer loans, including residential solar panel loans and credit cards. Mortgage banking services and securitization activities are also part of this segment. Banks generate revenue primarily through interest income from loans and investments, and fees for services.

The Wealth Management segment includes securities brokerage, insurance agency services, captive reinsurance, and trust services. This segment offers various investment alternatives like tax-advantaged fixed income securities, mutual funds, stocks, and bonds to both retail and institutional clients. Wealth management services aim to help clients grow and preserve their assets.

The Treasury segment manages the companys investment portfolio, which includes mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. This segment also handles asset/liability management, including investment security transactions, interest rate risk management, derivatives, and borrowings. For further detailed analysis of OFGs financial performance and market position, consider exploring ValueRay.

Headlines to Watch Out For

Puerto Rico economic conditions impact loan demand and credit quality
Net interest margin compression reduces banking segment profitability
Regulatory changes in financial services increase compliance costs
Wealth management fees sensitive to market performance

Piotroski VR‑10 (Strict) 4.0

Net Income: 205.1m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.23 > 1.0
NWC/Revenue: -1.09k% < 20% (prev -803.0%; Δ -283.6% < -1%)
CFO/TA 0.02 > 3% & CFO 217.7m > 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 7.05k% > 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 217.7m) / TA 12.47b)
Beneish M-Score: -1.91 (Cap -4..+1) = B

What is the price of OFG shares? As of April 10, 2026, the stock is trading at USD 43.36 with a total of 204,507 shares traded.
Over the past week, the price has changed by +4.86%, over one month by +12.31%, over three months by +5.71% and over the past year by +20.82%.

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?

Analysts Target Price	44.4	2.4%

OFG Bancorp (OFG) - Fundamental Data Overview as of 07 April 2026

P/E Trailing = 9.0284
P/E Forward = 7.3855
P/S = 2.8668
P/B = 1.2636
P/EG = 0.9233
Revenue TTM = 862.6m USD
EBIT TTM = 186.7m USD
EBITDA TTM = 285.2m USD
Long Term Debt = 400.0m USD (from longTermDebt, last quarter)
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 = 1.33b USD (1.79b + Debt 580.5m - CCE 1.04b)
Interest Coverage Ratio = 1.08 (Ebit TTM 186.7m / Interest Expense TTM 172.5m)
EV/FCF = 6.67x (Enterprise Value 1.33b / FCF TTM 199.3m)
FCF Yield = 15.00% (FCF TTM 199.3m / Enterprise Value 1.33b)
FCF Margin = 23.11% (FCF TTM 199.3m / 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 1.33b / 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 = -2.31 (Net Debt -459.9m / FCF TTM 199.3m)
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 = 9.32% (NOPAT 163.6m / Invested Capital 1.76b)
WACC = 8.20% (E(1.79b)/V(2.37b) * Re(8.68%) + D(580.5m)/V(2.37b) * Rd(7.66%) * (1-Tc(0.12)))
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.02%
[DCF] Terminal Value 80.94% ; FCFF base≈203.9m ; Y1≈251.6m ; Y5≈429.2m
[DCF] Fair Price = 177.6 (EV 7.09b - Net Debt -459.9m = Equity 7.55b / Shares 42.5m; r=8.20% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -12.74 | EPS CAGR: -45.18% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.10 | Revenue CAGR: 15.60% | SUE: 2.60 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.07 | Chg7d=-0.006 | Chg30d=-0.006 | Revisions Net=-1 | Analysts=5
EPS current Year (2026-12-31): EPS=4.27 | Chg7d=+0.010 | Chg30d=+0.010 | Revisions Net=-3 | Growth EPS=-6.7% | Growth Revenue=-1.1%
EPS next Year (2027-12-31): EPS=4.55 | Chg7d=+0.002 | Chg30d=+0.002 | Revisions Net=-3 | Growth EPS=+6.6% | Growth Revenue=+1.5%
[Analyst] Revisions Ratio: -0.33 (1 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.4% (Discount Rate 8.7% - Earnings Yield 11.1%)
[Growth] Growth Spread = +1.4% (Analyst -0.9% - Implied -2.4%)

External Resources

Dataroma Stockcircle