(OFG) OFG Bancorp - Ratings and Ratios

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

Loans, Deposits, Insurance, Brokerage, Securities

Regional Banks
Market Cap in USD: 1,826m

IPO / Inception: 1990-03-28
12m vs SPY: -17.3%

EPS (Earnings per Share)

EPS CAGR: -44.13%
EPS Trend: -12.1%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 12.30%
Rev. Trend: 94.7%

Last SUE: 0.58
Qual. Beats: 0

Dividends

Dividend Yield	2.87%
Yield on Cost 5y	6.76%
Yield CAGR 5y	31.61%
Payout Consistency	86.3%
Payout Ratio	27.3%

Risk via 5d forecast
Volatility	26.4%
Value at Risk 5%th	37.6%
Relative Tail Risk	-13.35%

Reward TTM
Sharpe Ratio	-0.06
Alpha	-13.51
CAGR/Max DD	0.74

Character TTM
Hurst Exponent	0.619
Beta	0.815
Beta Downside	0.953

Drawdowns 3y
Max DD	24.56%
Mean DD	7.92%
Median DD	7.22%

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 (199.6m TTM) > 0 and > 6% of Revenue (6% = 50.6m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -1.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -844.4% (prev -800.5%; Δ -43.96pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 196.8m <= Net Income 199.6m (YES >=105%, WARN >=100%)

Net Debt (319.2m) to EBITDA (265.0m) ratio: 1.20 <= 3.0 (WARN <= 3.5)

Current Ratio 0.30 (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 67.43% (prev 72.38%; Δ -4.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.12% (prev 7.12%; Δ 0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.42 (EBITDA TTM 265.0m / Interest Expense TTM 169.0m) >= 6 (WARN >= 3)

Altman Z'' -3.35

(A) -0.58 = (Total Current Assets 3.04b - Total Current Liabilities 10.17b) / Total Assets 12.23b

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

(D) 0.10 = Book Value of Equity 1.08b / Total Liabilities 10.85b

Total Rating: -3.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.41

1. Piotroski 4.0pt

2. FCF Yield -41.94%

3. FCF Margin 20.98%

4. Debt/Equity 0.42

5. Debt/Ebitda 1.20

6. ROIC - WACC (= 3.62)%

7. RoE 15.18%

8. Rev. Trend 94.66%

9. EPS Trend -12.08%

What is the price of OFG shares?

As of January 15, 2026, the stock is trading at USD 41.26 with a total of 143,857 shares traded.
Over the past week, the price has changed by -0.19%, over one month by -1.60%, over three months by -4.19% and over the past year by -0.82%.

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.

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	16.9%
Analysts Target Price	48.3	16.9%
ValueRay Target Price	48.4	17.3%

OFG Fundamental Data Overview January 15, 2026

P/E Trailing = 9.3205
P/S = 2.9258
P/B = 1.3144
P/EG = 0.93
Beta = 0.777
Revenue TTM = 843.9m USD
EBIT TTM = 239.5m USD
EBITDA TTM = 265.0m USD
Long Term Debt = 400.0m USD (from longTermDebt, last quarter)
Short Term Debt = 157.3m USD (from shortTermDebt, last quarter)
Debt = 582.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 319.2m USD (from netDebt column, last quarter)
Enterprise Value = -422.1m USD (1.83b + Debt 582.0m - CCE 2.83b)
Interest Coverage Ratio = 1.42 (Ebit TTM 239.5m / Interest Expense TTM 169.0m)
EV/FCF = -2.38x (Enterprise Value -422.1m / FCF TTM 177.0m)
FCF Yield = -41.94% (FCF TTM 177.0m / Enterprise Value -422.1m)
FCF Margin = 20.98% (FCF TTM 177.0m / Revenue TTM 843.9m)
Net Margin = 23.65% (Net Income TTM 199.6m / Revenue TTM 843.9m)
Gross Margin = 67.43% ((Revenue TTM 843.9m - Cost of Revenue TTM 274.8m) / Revenue TTM)
Gross Margin QoQ = 65.99% (prev 69.53%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -422.1m / Total Assets 12.23b)
Interest Expense / Debt = 7.80% (Interest Expense 45.4m / Debt 582.0m)
Taxrate = 15.53% (9.53m / 61.4m)
NOPAT = 202.3m (EBIT 239.5m * (1 - 15.53%))
Current Ratio = 0.30 (Total Current Assets 3.04b / Total Current Liabilities 10.17b)
Debt / Equity = 0.42 (Debt 582.0m / totalStockholderEquity, last quarter 1.38b)
Debt / EBITDA = 1.20 (Net Debt 319.2m / EBITDA 265.0m)
Debt / FCF = 1.80 (Net Debt 319.2m / FCF TTM 177.0m)
Total Stockholder Equity = 1.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.68% (Net Income 199.6m / Total Assets 12.23b)
RoE = 15.18% (Net Income TTM 199.6m / Total Stockholder Equity 1.31b)
RoCE = 13.96% (EBIT 239.5m / Capital Employed (Equity 1.31b + L.T.Debt 400.0m))
RoIC = 11.98% (NOPAT 202.3m / Invested Capital 1.69b)
WACC = 8.36% (E(1.83b)/V(2.41b) * Re(8.92%) + D(582.0m)/V(2.41b) * Rd(7.80%) * (1-Tc(0.16)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.92%
[DCF Debug] Terminal Value 80.11% ; FCFF base≈218.6m ; Y1≈269.7m ; Y5≈459.3m
Fair Price DCF = 157.4 (EV 7.24b - Net Debt 319.2m = Equity 6.92b / Shares 44.0m; r=8.36% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -12.08 | EPS CAGR: -44.13% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.66 | Revenue CAGR: 12.30% | SUE: 0.58 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.06 | Chg30d=+0.002 | Revisions Net=-3 | Analysts=4
EPS next Year (2026-12-31): EPS=4.53 | Chg30d=+0.002 | Revisions Net=-1 | Growth EPS=+3.4% | Growth Revenue=+1.4%

Additional Sources for OFG Stock

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