OFG OFG Bancorp Common Stock

NYSE · Banking · View on SEC EDGAR ↗
$49.48
Price · Jul 2, 2026
Fundamentals as of May 8, 2026
52W Range
$36–$51
92% of range
Analyst Rating
HOLD
8 analysts
Price Target
$48
P/E (TTM)
8.9
ROE
—
Net Profit Margin
—

OFG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$49.48
Market Cap
—
P/E (TTM)
8.9
EPS (TTM)
$4.58
Revenue (TTM)
$0
Div Yield
—
ROE
—
Debt/Equity
—
52W Range
$36 – $51

OFG Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $0
2023-12-31 → 2023-12-31
EPS $4.58
3-point trend, +19.6%
2023-12-31 → 2025-12-31
Free Cash Flow —
2-point trend, -16.8%
2023-12-31 → 2024-12-31
Margins —

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
OFG
Peer Median
P/E (TTM)
3-point trend, -8.6%
8.9
10.3

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
OFG
Peer Median

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
OFG
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
OFG
Peer Median
EPS YoY
3-point trend, +19.6%
8.3%
—
Net Income YoY
3-point trend, +12.8%
3.5%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
OFG
Peer Median
EPS (Diluted)
3-point trend, +19.6%
$4.58
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
OFG
Peer Median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
Ex-dateAmount
June 30, 2026$0.3500
March 31, 2026$0.3500
Sept. 30, 2025$0.3000
June 30, 2025$0.3000
March 31, 2025$0.3000
Dec. 31, 2024$0.2500
Sept. 30, 2024$0.2500
June 28, 2024$0.2500
March 27, 2024$0.2500
Dec. 28, 2023$0.2200
Sept. 28, 2023$0.2200
June 29, 2023$0.2200
March 30, 2023$0.2200
Dec. 29, 2022$0.2000
Sept. 29, 2022$0.2000
June 29, 2022$0.1500
March 30, 2022$0.1500
Dec. 30, 2021$0.1200
Sept. 29, 2021$0.1200
June 29, 2021$0.0800

OFG Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 8 analysts
  • Strong Buy 1 12.5%
  • Buy 3 37.5%
  • Hold 4 50.0%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

4 analysts · 2026-07-01
Median target $48.00 -3.0%
Mean target $47.75 -3.5%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.09%
Next Report
Jul 16, 2026
Period EPS Actual EPS Est Surprise
March 31, 2026 $1.26 $1.00 0.26%
Dec. 31, 2025 $1.27 $1.16 0.11%
Sept. 30, 2025 $1.16 $1.18 -0.02%
June 30, 2025 $1.15 $1.06 0.09%
March 31, 2025 $1.00 $0.98 0.02%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
OFG — 8.9 — — — —
BPOP — — — — — —
FBP $3.25B 9.6 2.4% 27.5% 19.0% —
BPOPM $1.65B 2.0 8.8% 26.0% 13.7% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 12
Annual Income Statement data for OFG
Metric Trend 2025202420232022202120202019
Revenue Flat — no change across 5 periods · · $0 $0 $0 $0 $0
Operating Expenses Flat — no change across 5 periods · · $0 $0 $0 $0 $0
Interest Expense 5-point trend, +72.6% · · $88M $33M $42M $65M $51M
Interest Income 7-point trend, +108.9% $781M $750M $649M $516M $449M $473M $374M
Pretax Income 7-point trend, +211.1% $234M $254M $265M $244M $215M $95M $75M
Income Tax 7-point trend, +35.5% $29M $56M $83M $78M $68M $20M $21M
Net Income 7-point trend, +280.9% $205M $198M $182M $166M $146M $74M $54M
EPS (Basic) 7-point trend, +400.0% $4.60 $4.25 $3.85 $3.46 $2.85 $1.32 $0.92
EPS (Diluted) 7-point trend, +397.8% $4.58 $4.23 $3.83 $3.44 $2.81 $1.32 $0.92
Shares (Basic) 7-point trend, -13.2% 44,552,000 46,637,000 47,258,000 48,033,000 50,956,000 51,358,000 51,335,000
Shares (Diluted) 7-point trend, -13.5% 44,760,000 46,902,000 47,552,000 48,436,000 51,370,000 51,555,000 51,719,000
EBITDA · $21M · · · · ·
Balance Sheet 17
Annual Balance Sheet data for OFG
Metric Trend 2025202420232022202120202019
Cash & Equivalents 7-point trend, +22.2% $1.04B $591M $748M $550M $2.02B $2.15B $851M
PP&E (Net) 7-point trend, +15.3% $94M $105M $104M $107M $92M $84M $81M
PP&E (Gross) 7-point trend, +28.5% $188M $198M $180M $179M $166M $161M $146M
Accum. Depreciation 7-point trend, +44.8% $95M $93M $76M $72M $73M $77M $65M
Goodwill 7-point trend, -2.1% $84M $84M $84M $84M $86M $86M $86M
Intangibles 7-point trend, -82.7% $10M $15M $21M $28M $36M $46M $57M
Total Assets 7-point trend, +34.1% $12.47B $11.50B $11.34B $9.82B $9.90B $9.83B $9.30B
Deferred Tax 4-point trend, +0.00 $0 $41M $22M $0 · · ·
Total Liabilities 7-point trend, +34.2% $11.08B $10.25B $10.15B $8.78B $8.83B $8.74B $8.25B
Common Stock Flat — no change across 7 periods $60M $60M $60M $60M $60M $60M $60M
Paid-in Capital 7-point trend, +3.5% $643M $640M $639M $637M $637M $623M $622M
Retained Earnings 7-point trend, +223.5% $905M $772M $639M $516M $400M $300M $280M
Treasury Stock 7-point trend, +280.2% $389M $297M $228M $211M $151M $103M $102M
AOCI 7-point trend, -1577.2% $-17M $-90M $-67M $-93M $5M $11M $-1M
Stockholders' Equity 7-point trend, +33.0% $1.39B $1.25B $1.19B $1.04B $1.07B $1.09B $1.05B
Liabilities + Equity 7-point trend, +34.1% $12.47B $11.50B $11.34B $9.82B $9.90B $9.83B $9.30B
Shares Outstanding 7-point trend, -15.8% 43,257,167 45,440,269 47,065,156 47,581,375 49,636,352 51,387,071 51,398,956
Cash Flow 15
Annual Cash Flow data for OFG
Metric Trend 2025202420232022202120202019
D&A 3-point trend, +0.3% $20M $21M $20M · · · ·
Stock-based Comp 7-point trend, +192.2% $6M $7M $5M $4M $6M $2M $2M
Deferred Tax 7-point trend, -3677.6% $-154M $22M $67M $61M $64M $28M $-4M
Amort. of Intangibles 7-point trend, +321.2% $5M $6M $7M $8M $10M $11M $1M
Restructuring 4-point trend, -100.0% · · · $0 $0 $16M $24M
Other Non-cash · $5M · · · · ·
Operating Cash Flow 7-point trend, +98.6% $218M $252M $296M $164M $100M $35M $110M
CapEx 7-point trend, +41.8% $18M $21M $18M $31M $23M $15M $13M
Investing Cash Flow 7-point trend, -152.1% $-438M $-336M $-1.40B $-1.51B $-183M $758M $842M
Dividends Paid 7-point trend, +260.9% $52M $46M $41M $30M $20M $14M $14M
Financing Cash Flow 7-point trend, +222.0% $670M $-74M $1.31B $-125M $-49M $510M $-549M
Net Change in Cash 7-point trend, +11.5% $449M $-157M $198M $-1.47B $-132M $1.30B $403M
Taxes Paid 7-point trend, +107.1% $82M $40M $15M $5M $3M $6M $39M
Free Cash Flow 6-point trend, +139.2% · $231M $278M $133M $77M $-104M $97M
Levered FCF 5-point trend, +261.5% · · $217M $111M $49M $-155M $60M
Profitability 5
Annual Profitability data for OFG
Metric Trend 2025202420232022202120202019
Net Margin 3-point trend, +109.7% · 27.9% · · · 14.0% 13.3%
Pretax Margin 3-point trend, +92.0% · 35.6% · · · 17.8% 18.6%
EBITDA Margin · 2.9% · · · · ·
ROA 6-point trend, +150.7% · 1.7% 1.7% 1.7% 1.4% 0.75% 0.69%
ROE 6-point trend, +199.8% · 15.4% 15.9% 16.3% 13.8% 6.9% 5.1%
Efficiency 1
Annual Efficiency data for OFG
Metric Trend 2025202420232022202120202019
Asset Turnover 6-point trend, +19.5% · 0.1 0.0 0.0 0.0 0.1 0.1
Per Share 7
Annual Per Share data for OFG
Metric Trend 2025202420232022202120202019
Book Value / Share 6-point trend, +35.7% · $27.60 $25.36 $21.91 $21.54 $21.13 $20.34
Revenue / Share 4-point trend, +15.17 · $15.17 $0.00 $0.00 $0.00 · ·
Cash Flow / Share 4-point trend, +176.4% · $5.38 $6.22 $3.40 $1.95 · ·
Cash / Share 6-point trend, -21.5% · $13.01 $15.90 $11.57 $40.77 $41.92 $16.56
Dividend / Share 7-point trend, +328.6% $1 $1 $1 $1 $0 $0 $0
Dividend Paid / Share 7-point trend, +328.6% $1 $1 $1 $1 $0 $0 $0
EPS (TTM) 7-point trend, +397.8% $4.58 $4.23 $3.83 $3.44 $2.81 $1.32 $0.92
Growth Rates 7
Annual Growth Rates data for OFG
Metric Trend 2025202420232022202120202019
EPS YoY 5-point trend, -92.7% 8.3% 10.4% 11.3% 22.4% 112.9% · ·
EPS CAGR 3Y 3-point trend, -76.5% 10.0% 14.6% 42.6% · · · ·
EPS CAGR 5Y 28.2% · · · · · ·
Net Income YoY 5-point trend, -96.4% 3.5% 9.0% 9.4% 13.7% 96.6% · ·
Net Income CAGR 3Y 3-point trend, -79.1% 7.2% 10.7% 34.8% · · · ·
Net Income CAGR 5Y 22.5% · · · · · ·
Dividend CAGR 5Y 29.2% · · · · · ·
Valuation (TTM) 12
Annual Valuation (TTM) data for OFG
Metric Trend 2025202420232022202120202019
Revenue TTM Flat — no change across 7 periods $0 $0 $0 $0 $0 $0 $0
Net Income TTM 7-point trend, +280.9% $205M $198M $182M $166M $146M $74M $54M
Market Cap 6-point trend, +58.5% · $1.92B $1.76B $1.31B $1.32B $953M $1.21B
P/E 7-point trend, -65.1% 8.9 10.0 9.8 8.0 9.5 14.0 25.7
P/B 6-point trend, +32.1% · 1.5 1.5 1.3 1.2 0.9 1.2
P / Tangible Book 6-point trend, +37.0% 1.4 1.7 1.6 1.4 1.4 1.0 ·
P / Cash Flow 6-point trend, -31.2% · 7.6 6.0 8.0 13.2 -10.8 11.1
P / FCF 6-point trend, -33.7% · 8.3 6.3 9.8 17.1 -9.2 12.6
Dividend Yield 6-point trend, +100.8% · 2.4% 2.3% 2.3% 1.5% 1.5% 1.2%
Earnings Yield 7-point trend, +186.7% 11.2% 10.0% 10.2% 12.5% 10.6% 7.1% 3.9%
Payout Ratio 6-point trend, -13.7% · 23.0% 22.6% 18.1% 13.5% 19.4% 26.7%
Annual Payout 7-point trend, +260.9% $52M $46M $41M $30M $20M $14M $14M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312025-03-312024-12-312024-09-302024-06-30
Net Income $205M—$198M——
Diluted EPS $4.58—$4.23——
Cash Flow
2025-12-312025-03-312024-12-312024-09-302024-06-30
Free Cash Flow ——$231M——

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