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OFG Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
40.420
Open
40.290
VWAP
40.22
Vol
3.15K
Mkt Cap
1.69B
Low
40.120
Amount
126.69K
EV/EBITDA(TTM)
4.67
Total Shares
42.48M
EV
1.22B
EV/OCF(TTM)
1.38
P/S(TTM)
2.49
OFG Bancorp is a financial holding company. The Company is engaged in providing banking and financial services through its subsidiaries. The Company operates through three segments: Banking, Wealth Management and Treasury. The Company provides banking and financial services to its clients through a range of banking and financial solutions, including commercial, consumer, auto, and mortgage lending; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage, and corporate and individual trust and retirement services. The Company provides these services through various subsidiaries, including a commercial bank, Oriental Bank; a securities broker-dealer, Oriental Financial Services Corp. (Oriental Financial Services); an insurance agency, Oriental Insurance, LLC (Oriental Insurance), and a retirement plan administrator, Oriental Pension Consultants, Inc. (OPC).
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Events Timeline

(ET)
2026-01-28
16:20:00
Dividend Payable on April 15, 2026
select
2026-01-28
16:20:00
OFG Bancorp Approves $200 Million Stock Repurchase Plan
select
2026-01-22 (ET)
2026-01-22
07:40:00
Company Reports Q4 Revenue of $185.4M Exceeding Expectations
select

News

Newsfilter
9.5
03-23Newsfilter
PinnedOFG Bancorp to Report Q1 2026 Financial Results on April 21
  • Earnings Release Schedule: OFG Bancorp is set to announce its Q1 2026 financial results on April 21, 2026, before market opening, which may influence investor confidence.
  • Conference Call Details: The company will hold a conference call at 10:00 AM ET on the same day, with participants able to dial in toll-free at 800-579-2543 or internationally at 785-424-1789, ensuring transparency of information.
  • Webcast Access: The call will be accessible live on OFG Bancorp's website, allowing investors to pre-register and download necessary software, enhancing the overall participation experience.
  • Company Background: Established for 62 years, OFG Bancorp operates as a diversified financial holding company primarily in Puerto Rico and the U.S. Virgin Islands, providing retail and commercial banking services aimed at creating value for customers and communities.
Newsfilter
6.0
03-02Newsfilter
KBRA Assigns Ratings to OFG Bancorp
  • Rating Overview: KBRA assigns a senior unsecured debt rating of BBB, a subordinated debt rating of BBB-, and a short-term debt rating of K3 to OFG Bancorp, indicating the company's stability amid economic recovery.
  • Bank Rating Affirmation: KBRA affirms the deposit and senior unsecured debt ratings of BBB+ and short-term ratings of K2 for Oriental Bank, reflecting its crucial role in Puerto Rico's economic recovery.
  • Profitability Analysis: Oriental Bank maintains robust profitability, driven by a low-cost deposit base and solid loan yields, particularly in the auto loan sector, showcasing its competitive position in the market.
  • Asset-Liability Status: As of Q4 2025, OFG's total assets amount to approximately $1.4 billion, including a $1.3 billion investment in Oriental Bank, indicating a strong financial position with minimal liabilities.
seekingalpha
9.5
01-22seekingalpha
OFG Bancorp Reports 17% EPS Growth in Q4 2025 Amid Strategic Digital Initiatives
  • Earnings Growth: OFG Bancorp reported a 17% year-over-year increase in diluted earnings per share to $1.27 for Q4 2025, driven by a 2% growth in core revenues to $185 million, reflecting disciplined operations and favorable tax benefits.
  • Digital Strategy Progress: The launch of an omnichannel platform and intelligent banking model signifies a major advancement in the company's 'Digital First' strategy, which is expected to further drive customer growth and business transformation.
  • Capital Return Plan: The company repurchased $40 million of common shares in Q4, demonstrating robust business activity in Puerto Rico and a continued focus on capital return, which is anticipated to enhance shareholder confidence.
  • Expense Control and Outlook: Projected noninterest expenses for 2026 are expected to range between $380 million and $385 million, with management emphasizing ongoing focus on expense control and technology investments to achieve long-term efficiency gains and sustainable growth.
NASDAQ.COM
2.0
01-22NASDAQ.COM
OFG Bancorp (OFG) Q4 2025 Earnings Call Transcript
seekingalpha
9.5
01-22seekingalpha
OFG Bancorp Reports Q4 EPS of $1.27, Beating Estimates
  • Strong Earnings Performance: OFG Bancorp reported a Q4 GAAP EPS of $1.27, exceeding estimates by $0.12, indicating a sustained enhancement in profitability that is likely to positively impact the stock price.
  • Stable Revenue Growth: The company achieved revenues of $185.4 million in Q4, reflecting a 1.9% year-over-year increase and beating market expectations by $1.23 million, demonstrating its ability to maintain stable revenue growth in a competitive market.
  • Improved Return Metrics: OFG's return on average assets stood at 1.81%, with a net interest margin of 5.12%, showcasing effective strategies in asset management and profitability that may attract more investor interest.
  • Increased Credit Loss Provisions: The total provision for credit losses in Q4 was $31.9 million, up from $28.3 million in Q3, primarily due to increased loan volume and specific reserve needs, reflecting the company's cautious approach to potential risks.
Yahoo Finance
3.0
2025-12-07Yahoo Finance
Evaluating OFG Bancorp's Valuation Following a Recent Decline in Share Price Momentum
  • OFG Bancorp Performance: OFG Bancorp shares have underperformed recently, with a 90-day return of -8.75% and a year-to-date return of -2.72%, despite the bank's revenue growth and profitability.

  • Valuation Insights: The current share price of $40.47 is below analyst targets, suggesting potential undervaluation, with a fair value estimated at $50, contingent on growth and margin assumptions.

  • Growth Drivers: The bank's digital banking expansion is enhancing customer engagement and operational efficiency, which may lead to improved net margins and revenue growth in the future.

  • Risks and Considerations: Competition for loans and deposits, along with economic vulnerabilities in Puerto Rico, pose risks that could impact margins and the bank's valuation outlook.

Wall Street analysts forecast OFG stock price to rise
3 Analyst Rating
Wall Street analysts forecast OFG stock price to rise
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
43.00
Averages
47.00
High
50.00
Current: 0.000
sliders
Low
43.00
Averages
47.00
High
50.00
Truist
Buy
maintain
$48 -> $44
AI Analysis
2026-01-26
Reason
Truist
Price Target
$48 -> $44
AI Analysis
2026-01-26
maintain
Buy
Reason
Truist lowered the firm's price target on OFG Bancorp to $44 from $48 and keeps a Buy rating on the shares after its Q4 results. The company has reset expectations with lower net interest margin and modestly slower loan growth, and while these were partially offset by lower non-interest expenses, the net result should drive estimates lower in 2026, the analyst tells investors in a research note. Truist is also cutting its FY26 EPS view to $4.20 from $4.56.
Keefe Bruyette
Kelly Motta
Outperform -> Market Perform
downgrade
$50 -> $43
2026-01-23
Reason
Keefe Bruyette
Kelly Motta
Price Target
$50 -> $43
2026-01-23
downgrade
Outperform -> Market Perform
Reason
Keefe Bruyette analyst Kelly Motta downgraded OFG Bancorp to Market Perform from Outperform with a price target of $43, down from $50. The firm says the bank's net interest income outlook is more constrained than it previously expected. It will be challenging for OFG to re-rate when its revenue is under pressure, particularly as its credit "has also been noisy" in the past two quarters, the analyst tells investors in a research note.
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Valuation Metrics

The current forward P/E ratio for OFG Bancorp (OFG.N) is 9.12, compared to its 5-year average forward P/E of 8.95. For a more detailed relative valuation and DCF analysis to assess OFG Bancorp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.95
Current PE
9.12
Overvalued PE
10.11
Undervalued PE
7.80

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.32
Current PS
2.45
Overvalued PS
2.62
Undervalued PS
2.03

Financials

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Holding
OFG
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Frequently Asked Questions

What is OFG Bancorp (OFG) stock price today?

The current price of OFG is 40.12 USD — it has increased 0.55

What is OFG Bancorp (OFG)'s business?

OFG Bancorp is a financial holding company. The Company is engaged in providing banking and financial services through its subsidiaries. The Company operates through three segments: Banking, Wealth Management and Treasury. The Company provides banking and financial services to its clients through a range of banking and financial solutions, including commercial, consumer, auto, and mortgage lending; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage, and corporate and individual trust and retirement services. The Company provides these services through various subsidiaries, including a commercial bank, Oriental Bank; a securities broker-dealer, Oriental Financial Services Corp. (Oriental Financial Services); an insurance agency, Oriental Insurance, LLC (Oriental Insurance), and a retirement plan administrator, Oriental Pension Consultants, Inc. (OPC).

What is the price predicton of OFG Stock?

Wall Street analysts forecast OFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OFG is47.00 USD with a low forecast of 43.00 USD and a high forecast of 50.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is OFG Bancorp (OFG)'s revenue for the last quarter?

OFG Bancorp revenue for the last quarter amounts to 182.51M USD, increased 1.81

What is OFG Bancorp (OFG)'s earnings per share (EPS) for the last quarter?

OFG Bancorp. EPS for the last quarter amounts to 1.27 USD, increased 16.51

How many employees does OFG Bancorp (OFG). have?

OFG Bancorp (OFG) has 2185 emplpoyees as of March 25 2026.

What is OFG Bancorp (OFG) market cap?

Today OFG has the market capitalization of 1.69B USD.