OFG

OFG Bancorp

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Advanced Chart

43.310

+0.4(0.932%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

43.440

Open

42.660

VWAP

43.24

Vol

226.09K

Mkt Cap

1.94B

Low

42.430

Amount

9.78M

EV/EBITDA(TTM)

5.42

Total Shares

47.15M

1.49B

EV/OCF(TTM)

2.31

P/S(TTM)

2.86

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).

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

183.88M

+2.96%

1.090

+9%

187.78M

+3.23%

1.150

+5.5%

186.71M

+7.22%

1.157

+15.67%

Estimates Revision

The market is revising No Change the revenue expectations for OFG Bancorp (OFG) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 11.11%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+11.11%

In Past 3 Month

3 Analyst Rating

1.59% Upside

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 is 44.00 USD with a low forecast of 42.00 USD and a high forecast of 48.00 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.

2 Buy

1 Hold

0 Sell

Moderate Buy

1.59% Upside

Current: 43.310

Low

42.00

Averages

44.00

High

48.00

1.59% Upside

Current: 43.310

Low

42.00

Averages

44.00

High

48.00

Keefe Bruyette

Outperform

maintain

$48 -> $50

2025-07-18

Reason

Keefe Bruyette

Price Target

$48 -> $50

2025-07-18

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on OFG Bancorp to $50 from $48 and keeps an Outperform rating on the shares. Net interest income was driven higher by "robust" loan growth, the analyst tells investors in a research note.

Keefe Bruyette

Outperform

downgrade

$53 -> $48

2025-04-24

Reason

Keefe Bruyette

Price Target

$53 -> $48

2025-04-24

downgrade

Outperform

Reason

Keefe Bruyette lowered the firm's price target on OFG Bancorp to $48 from $53 and keeps an Outperform rating on the shares.

Piper Sandler

Overweight

downgrade

$44 -> $42

2025-04-24

Reason

Piper Sandler

Price Target

$44 -> $42

2025-04-24

downgrade

Overweight

Reason

Piper Sandler lowered the firm's price target on OFG Bancorp to $42 from $44 and keeps an Overweight rating on the shares. The firm notes OFG reported a slight miss versus Piper, but a slight beat versus consensus. Management continued to provide positive commentary around the local economy and talked up healthy loan pipelines though lq growth was more modest at 0.8%. Strong profitability and robust capital levels should continue to support meaningful buyback activity, the firm adds.

Wells Fargo

Timur Braziler

Buy

Hold

Downgrades

$48 → $42

2025-04-09

Reason

Wells Fargo

Timur Braziler

Price Target

$48 → $42

2025-04-09

Downgrades

Buy

Hold

Reason

Wells Fargo downgraded OFG Bancorp to Equal Weight from Overweight with a price target of $42, down from $48. The firm expects net interest margin to decline for the next five quarters, off the Q4 2024 5.40% level, as OFG's current 1.64% cost of funding is unlikely to move lower along with Fed cuts. OFG doesn't have the same level of public fund exposure as the other two PR banks, and the exposure they have is at-risk of exiting at some point in 2025, making for a smaller balance sheet, Wells argues.

Wells Fargo

Timur Braziler

Buy

Maintains

$45 → $48

2025-01-23

Reason

Wells Fargo

Timur Braziler

Price Target

$45 → $48

2025-01-23

Maintains

Buy

Reason

Keefe, Bruyette & Woods

Kelly Motta

Buy

Maintains

$53 → $55

2025-01-23

Reason

Keefe, Bruyette & Woods

Kelly Motta

Price Target

$53 → $55

2025-01-23

Maintains

Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for OFG Bancorp (OFG.N) is 9.55, compared to its 5-year average forward P/E of 8.80. 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.

Fair

5Y Average PE

8.80

Current PE

9.55

Overvalued PE

10.03

Undervalued PE

7.57

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.

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.

Fair

5Y Average PS

2.21

Current PS

2.58

Overvalued PS

2.59

Undervalued PS

1.84