Historical Valuation
OFG Bancorp (OFG) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 8.86. The fair price of OFG Bancorp (OFG) is between 37.77 to 46.61 according to relative valuation methord.
Relative Value
Fair Zone
37.77-46.61
Current Price：41.38
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
OFG Bancorp (OFG) has a current Price-to-Book (P/B) ratio of 1.32. Compared to its 3-year average P/B ratio of 1.40 , the current P/B ratio is approximately -5.81% higher. Relative to its 5-year average P/B ratio of 1.33, the current P/B ratio is about -0.55% higher. OFG Bancorp (OFG) has a Forward Free Cash Flow (FCF) yield of approximately 10.00%. Compared to its 3-year average FCF yield of 12.41%, the current FCF yield is approximately -19.47% lower. Relative to its 5-year average FCF yield of 9.47% , the current FCF yield is about 5.56% lower.
P/B
Median3y
1.40
Median5y
1.33
FCF Yield
Median3y
12.41
Median5y
9.47
Competitors Valuation Multiple
AI Analysis for OFG
The average P/S ratio for OFG competitors is 2.87, providing a benchmark for relative valuation. OFG Bancorp Corp (OFG.N) exhibits a P/S ratio of 2.45, which is -14.46% above the industry average. Given its robust revenue growth of 5.80%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for OFG
1Y
3Y
5Y
Market capitalization of OFG increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of OFG in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is OFG currently overvalued or undervalued?
OFG Bancorp (OFG) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 8.86. The fair price of OFG Bancorp (OFG) is between 37.77 to 46.61 according to relative valuation methord.
What is OFG Bancorp (OFG) fair value?
OFG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of OFG Bancorp (OFG) is between 37.77 to 46.61 according to relative valuation methord.
How does OFG's valuation metrics compare to the industry average?
The average P/S ratio for OFG's competitors is 2.87, providing a benchmark for relative valuation. OFG Bancorp Corp (OFG) exhibits a P/S ratio of 2.45, which is -14.46% above the industry average. Given its robust revenue growth of 5.80%, this premium appears unsustainable.
What is the current P/B ratio for OFG Bancorp (OFG) as of Jan 10 2026?
As of Jan 10 2026, OFG Bancorp (OFG) has a P/B ratio of 1.32. This indicates that the market values OFG at 1.32 times its book value.
What is the current FCF Yield for OFG Bancorp (OFG) as of Jan 10 2026?
As of Jan 10 2026, OFG Bancorp (OFG) has a FCF Yield of 10.00%. This means that for every dollar of OFG Bancorp’s market capitalization, the company generates 10.00 cents in free cash flow.
What is the current Forward P/E ratio for OFG Bancorp (OFG) as of Jan 10 2026?
As of Jan 10 2026, OFG Bancorp (OFG) has a Forward P/E ratio of 9.12. This means the market is willing to pay $9.12 for every dollar of OFG Bancorp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for OFG Bancorp (OFG) as of Jan 10 2026?
As of Jan 10 2026, OFG Bancorp (OFG) has a Forward P/S ratio of 2.45. This means the market is valuing OFG at $2.45 for every dollar of expected revenue over the next 12 months.