OFG Stock Analysis: OFG Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.098m USD | 12M Return: 13.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 19.5M
EPS Trend: 97.0%
Qual. Beats: 2
Rev. Trend: 94.7%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 headquartered in San Juan, Puerto Rico, that operates through three segments: Banking, Wealth Management, and Treasury. Founded in 1964, the company provides retail and commercial banking products-including savings, checking, certificates of deposit, IRAs, and a full range of consumer and commercial loans-as well as mortgage banking, loan sales, and securitization activities. Its wealth management segment offers securities brokerage, insurance agency, captive reinsurance, and trust services, while the Treasury segment manages investment securities (mortgage-backed, U.S. government agency, and Treasury obligations) and conducts asset/liability management, including interest rate hedging and derivatives. As a regional bank holding company, OFG follows the standard U.S. structure in which the parent company owns and regulates the bank subsidiary separately; the Puerto Rico banking market is distinguished by oversight through the Office of the Commissioner of Financial Institutions rather than dual state-FDIC supervision typical in the mainland U.S.
- Puerto Rico economic recovery fuels loan and deposit growth
- Net interest margin compression risks as Fed cuts rates
- Mortgage banking revenue pressured by elevated rate environment
| Net Income: 213.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.43 > 1.0 |
| NWC/Revenue: -1.11k% < 20% (prev -861.4%; Δ -248.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 207.8m > Net Income 213.5m |
| Net Debt (-36.2m) to EBITDA (300.2m): -0.12 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (43.0m) vs 12m ago -5.61% < -2% |
| Gross Margin: 72.22% > 18% (prev 69.16%; Δ 3.07% > 0.5%) |
| Asset Turnover: 7.42% > 50% (prev 7.06%; Δ 0.36% > 0%) |
| Interest Coverage Ratio: 1.60 > 6 (EBIT TTM 275.4m / Interest Expense TTM 172.6m) |
| A: -0.81 (Total Current Assets 802.7m - Total Current Liabilities 10.6b) / Total Assets 12.0b |
| B: 0.08 (Retained Earnings 938.3m / Total Assets 12.0b) |
| C: 0.02 (EBIT TTM 275.4m / Avg Total Assets 11.9b) |
| D: 0.13 (Book Value of Equity 1.37b / Total Liabilities 10.7b) |
| Altman-Z'' = -4.79 = D |
| DSRI: 2.22 (Receivables 165.7m/70.0m, Revenue 882.2m/828.3m) |
| GMI: 0.96 (GM 69.16% / 72.22%) |
| AQI: 1.23 (AQ_t 0.92 / AQ_t-1 0.75) |
| SGI: 1.07 (Revenue 882.2m / 828.3m) |
| TATA: 0.00 (NI 213.5m - CFO 207.8m) / TA 12.0b) |
| Beneish M = -1.88 (Cap -4..+1) = B |
As of July 09, 2026, the stock is trading at USD 48.82 with a total of 392,810 shares traded. Over the past week, the price has changed by -0.51%, over one month by +5.90%, over three months by +15.34% and over the past year by +13.11%.
Current recommended Stop Loss: 47.60 (which is 2.5% or 1.2 ATR below the current price).
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
| Analysts Target Price | 47.8 | -2.2% |
P/E Trailing = 10.2583
P/E Forward = 7.3855
P/S = 3.3066
P/B = 1.5297
P/EG = 0.9233
Revenue TTM = 882.2m USD
EBIT TTM = 275.4m USD
EBITDA TTM = 300.2m USD
Long Term Debt = 400.0m USD (from longTermDebt, last quarter)
Short Term Debt = 100.1m USD (from shortTermDebt, last quarter)
Debt = 600.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 22.1m
Net Debt = -36.2m USD (calculated: Debt 600.8m - CCE 637.0m)
Enterprise Value = 2.06b USD (2.10b + Debt 600.8m - CCE 637.0m)
Interest Coverage Ratio = 1.60 (Ebit TTM 275.4m / Interest Expense TTM 172.6m)
EV/FCF = 10.89x (Enterprise Value 2.06b / FCF TTM 189.4m)
FCF Yield = 9.18% (FCF TTM 189.4m / Enterprise Value 2.06b)
FCF Margin = 21.47% (FCF TTM 189.4m / Revenue TTM 882.2m)
Net Margin = 24.20% (Net Income TTM 213.5m / Revenue TTM 882.2m)
Gross Margin = 72.22% ((Revenue TTM 882.2m - Cost of Revenue TTM 245.1m) / Revenue TTM)
Gross Margin QoQ = 72.26% (prev 80.56%)
Tobins Q-Ratio = 0.17 (Enterprise Value 2.06b / Total Assets 12.0b)
Interest Expense / Debt = 28.73% (Interest Expense 172.6m / Debt 600.8m)
Taxrate = 12.32% (30.0m / 243.5m)
NOPAT = 241.4m (EBIT 275.4m * (1 - 12.32%))
Current Ratio = 0.08 (Total Current Assets 802.7m / Total Current Liabilities 10.6b)
Debt / Equity = 0.44 (Debt 600.8m / totalStockholderEquity, last quarter 1.37b)
Debt / EBITDA = -0.12 (Net Debt -36.2m / EBITDA 300.2m)
Debt / FCF = -0.19 (Net Debt -36.2m / FCF TTM 189.4m)
Total Stockholder Equity = 1.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.80% (Net Income 213.5m / Total Assets 12.0b)
RoE = 15.62% (Net Income TTM 213.5m / Total Stockholder Equity 1.37b)
RoCE = 15.59% (EBIT 275.4m / Capital Employed (Equity 1.37b + L.T.Debt 400.0m))
RoIC = 2.01% (NOPAT 241.4m / Invested Capital 12.0b)
WACC = 11.99% (E(2.10b)/V(2.70b) * Re(8.21%) + D(600.8m)/V(2.70b) * Rd(28.73%) * (1-Tc(0.12)))
Discount Rate = 8.21% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -68.89 | Cagr: -4.27%
[DCF] Terminal Value 60.82% ; FCFF base≈207.5m ; Y1≈182.0m ; Y5≈147.0m
[DCF] Fair Price = 35.93 (EV 1.48b - Net Debt -36.2m = Equity 1.52b / Shares 42.3m; r=11.99% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.98 | EPS CAGR: 8.70% | SUE: 4.0 | # QB: 2
Revenue Correlation: 94.73 | Revenue CAGR: 9.83% | SUE: 1.22 | # QB: 2
EPS current Quarter (2026-06-30): EPS=1.17 | Chg30d=+0.00% | Revisions=+57% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.18 | Chg30d=+0.00% | Revisions=+57% | Analysts=4
EPS current Year (2026-12-31): EPS=4.70 | Chg30d=+0.00% | Revisions=+57% | GrowthEPS=+2.7% | GrowthRev=+0.1%
EPS next Year (2027-12-31): EPS=4.70 | Chg30d=+0.00% | Revisions=+57% | GrowthEPS=-0.1% | GrowthRev=-0.6%
[Analyst] Revisions Ratio: +84% (up=16, down=0)