Symbols / OFG Stock $46.27 +0.67% OFG Bancorp

Financial Services • Banks - Regional • United States • NYQ
OFG (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. José Rafael Fernández
Exch · Country NYQ · United States
Market Cap 1.96B
Enterprise Value 1.90B
Income 213.47M
Sales 634.53M
FCF (ttm) —
Book/sh 32.35
Cash/sh 15.06
Employees 2,181
Insider 10d —
IPO Mar 26, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 25.83%
P/E 9.56
Forward P/E 9.84
PEG 0.92
P/S 3.08
P/B 1.43
P/C —
EV/EBITDA —
EV/Sales 2.99
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.84
EPS next Y 4.70
EPS Growth 26.00%
Revenue Growth 6.90%
EPS Gr Q/Q 18.40%
Rev Gr Q/Q —
Earnings (next) 2026-04-21
Earnings (prior) 2026-04-21
ROA 1.80%
ROE 16.04%
ROIC —
Gross Margin 0.00%
Oper. Margin 43.76%
Profit Margin 33.64%
Shs Outstand 42.26M
Shs Float 41.79M
Insider Own 1.12%
Instit Own 98.29%
Short Float 4.09%
Short Ratio 4.12
Short Interest 1.19M
52W High 46.85
vs 52W High -1.24%
52W Low 35.71
vs 52W Low 29.57%
Beta 0.73
Impl. Vol. 76.88%
Rel Volume 0.64
Avg Volume 316.98K
Volume 202.34K
Target (mean) $47.75
Tgt Median $48.00
Tgt Low $45.00
Tgt High $50.00
# Analysts 4
Recom None
Prev Close $45.96
Price $46.27
Change 0.67%
About

OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$47.75
Mean price target
2. Current target
$46.27
Latest analyst target
3. DCF / Fair value
$72.60
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$46.27
Low
$45.00
High
$50.00
Mean
$47.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-22 main Wells Fargo Equal-Weight → Equal-Weight $45
2026-04-22 reit Piper Sandler Neutral → Neutral $48
2026-04-22 main Truist Securities Buy → Buy $50
2026-01-26 main Truist Securities Buy → Buy $44
2026-01-23 down Keefe, Bruyette & Woods Outperform → Market Perform $43
2025-10-27 main Wells Fargo Equal-Weight → Equal-Weight $43
2025-10-23 main Keefe, Bruyette & Woods Outperform → Outperform $50
2025-10-23 main Truist Securities Buy → Buy $48
2025-10-09 init Truist Securities — → Buy $50
2025-07-18 main Keefe, Bruyette & Woods Outperform → Outperform $50
2025-07-10 main Wells Fargo Equal-Weight → Equal-Weight $48
2025-04-24 main Keefe, Bruyette & Woods Outperform → Outperform $48
2025-04-24 main Piper Sandler Overweight → Overweight $42
2025-04-09 down Wells Fargo Overweight → Equal-Weight $42
2025-01-23 main Wells Fargo Overweight → Overweight $48
2025-01-23 main Keefe, Bruyette & Woods Outperform → Outperform $55
2025-01-06 main Wells Fargo Overweight → Overweight $45
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $53
2024-12-03 main Wells Fargo Overweight → Overweight $49
2024-10-17 main Piper Sandler Overweight → Overweight $47
News
RSS: Latest OFG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-19 RODRIGUEZ MARI EVELYN Officer — 8,750 — —
2026-04-23 FERNANDEZ JOSE RAFAEL Chief Executive Officer — 10,000 $0.00 $0
2026-03-10 ARIZMENDI MARITZA Chief Financial Officer — 1,417 $39.33 $55,731
2026-03-10 HAGGARTY PATRICK J Officer — 717 $39.33 $28,200
2026-03-10 GONZALEZ HUGH General Counsel — 667 $39.33 $26,233
2026-03-10 GARCIA ADA Officer — 717 $39.33 $28,200
2026-03-10 FERNANDEZ JOSE RAFAEL Chief Executive Officer — 5,150 $39.33 $202,550
2026-03-10 ORTIZ CESAR A Officer — 717 $39.33 $28,200
2026-03-10 RODRIGUEZ MARI EVELYN Officer — 717 $39.33 $28,200
2026-03-10 FERNANDEZ JOSE RAFAEL Chief Executive Officer — 5,150 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
680.22
+2.92%
660.94
+3.25%
640.14
+13.30%
565.01
Operating Revenue
680.22
+2.92%
660.94
+3.25%
640.14
+13.30%
565.01
Selling General And Administration
186.57
+4.51%
178.53
+1.20%
176.42
+9.53%
161.07
Selling And Marketing Expense
11.42
+17.52%
9.71
+11.11%
8.74
+6.10%
8.24
General And Administrative Expense
175.16
+3.76%
168.81
+0.68%
167.67
+9.71%
152.83
Salaries And Wages
163.78
+3.95%
157.56
+0.24%
157.18
+9.97%
142.93
Other Gand A
—
—
—
—
Reconciled Depreciation
25.39
-5.23%
26.79
-1.83%
27.29
+12.23%
24.31
Total Unusual Items
-5.00
-47.06%
-3.40
-6.25%
-3.20
-7719.05%
0.04
Total Unusual Items Excluding Goodwill
-5.00
-47.06%
-3.40
-6.25%
-3.20
-7719.05%
0.04
Special Income Charges
-5.00
-47.06%
-3.40
-6.25%
-3.20
-7719.05%
0.04
Other Special Charges
-1.10
—
—
1.57
Impairment Of Capital Assets
6.10
—
—
—
Restructuring And Mergern Acquisition
—
3.40
+6.25%
3.20
0.00
Net Income
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Pretax Income
234.12
-7.74%
253.75
-4.34%
265.25
+8.66%
244.10
Net Interest Income
608.47
+3.40%
588.44
+4.92%
560.87
+16.34%
482.08
Interest Expense
172.47
+6.57%
161.84
+83.88%
88.01
+162.77%
33.49
Interest Income
780.94
+4.09%
750.28
+15.63%
648.88
+25.86%
515.57
Gain On Sale Of Security
—
-0.01
+99.39%
-1.15
-365.18%
-0.25
Tax Provision
29.01
-47.80%
55.58
-33.34%
83.38
+7.08%
77.87
Tax Rate For Calcs
0.00
-43.43%
0.00
-30.32%
0.00
-1.46%
0.00
Tax Effect Of Unusual Items
-0.62
+16.81%
-0.74
0.00
-100.00%
0.01
Net Income Including Noncontrolling Interests
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Net Income From Continuing Operation Net Minority Interest
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Net Income From Continuing And Discontinued Operation
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Net Income Continuous Operations
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Normalized Income
209.48
+4.31%
200.83
+10.42%
181.87
+9.42%
166.21
Net Income Common Stockholders
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Diluted EPS
4.58
+8.27%
4.23
+10.44%
3.83
+11.34%
3.44
Basic EPS
4.60
+8.24%
4.25
+10.39%
3.85
+11.27%
3.46
Basic Average Shares
44.55
-4.47%
46.64
-1.31%
47.26
-1.61%
48.03
Diluted Average Shares
44.76
-4.57%
46.90
-1.37%
47.55
-1.83%
48.44
Diluted NI Availto Com Stockholders
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Insurance And Claims
11.38
+1.09%
11.25
+7.22%
10.49
+6.02%
9.90
Occupancy And Equipment
59.78
+1.11%
59.12
-0.19%
59.23
+15.45%
51.31
Other Non Interest Expense
63.53
-2.28%
65.01
+8.65%
59.84
+0.38%
59.61
Preferred Stock Dividends
—
—
—
—
Professional Expense And Contract Services Expense
23.70
+25.58%
18.88
+0.60%
18.76
-24.47%
24.84
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
12,465.66
+8.39%
11,500.73
+1.38%
11,344.45
+15.54%
9,818.78
Cash And Cash Equivalents
1,040.34
+75.99%
591.14
-20.99%
748.17
+35.96%
550.31
Cash Equivalents
4.26
-36.12%
6.67
+44.28%
4.62
+11.10%
4.16
Cash Financial
1,036.07
+77.27%
584.47
-21.40%
743.55
+36.14%
546.15
Other Short Term Investments
1.65
+43.57%
1.15
-99.61%
297.30
-3.83%
309.13
Receivables
—
71.67
+0.37%
71.40
+14.42%
62.40
Accounts Receivable
—
71.67
+0.37%
71.40
+14.42%
62.40
Prepaid Assets
20.46
-71.62%
72.09
+14.36%
63.04
+14.88%
54.88
Net PPE
114.81
-7.19%
123.71
-1.68%
125.83
-4.81%
132.18
Gross PPE
209.49
-3.48%
217.05
+7.60%
201.72
-1.23%
204.23
Accumulated Depreciation
-94.68
-1.43%
-93.34
-22.99%
-75.89
-5.33%
-72.05
Land And Improvements
4.03
+0.00%
4.03
+0.00%
4.03
+0.00%
4.03
Buildings And Improvements
78.20
+1.21%
77.27
+0.95%
76.54
+2.95%
74.35
Machinery Furniture Equipment
81.79
-12.41%
93.38
+16.32%
80.28
-2.80%
82.59
Other Properties
21.26
+10.75%
19.20
-11.64%
21.73
-14.34%
25.36
Leases
24.21
+4.47%
23.18
+21.06%
19.14
+6.95%
17.90
Goodwill And Other Intangible Assets
160.43
-5.33%
169.46
+9.71%
154.46
-5.10%
162.75
Goodwill
84.24
+0.00%
84.24
+0.00%
84.24
+0.00%
84.24
Other Intangible Assets
76.19
-10.60%
85.22
+21.37%
70.21
-10.57%
78.51
Investments And Advances
2,854.48
+4.52%
2,731.08
+1.35%
2,694.64
+36.38%
1,975.78
Total Liabilities Net Minority Interest
11,075.65
+8.09%
10,246.36
+0.94%
10,150.97
+15.66%
8,776.37
Payables And Accrued Expenses
—
—
—
125.00
Current Accrued Expenses
—
—
—
125.00
Current Debt And Capital Lease Obligation
56.58
-79.12%
270.95
+35180.21%
0.77
-97.13%
26.72
Current Debt
56.58
-79.12%
270.95
+35180.21%
0.77
-97.13%
26.72
Other Current Borrowings
56.58
-79.12%
270.95
+35180.21%
0.77
-97.13%
26.72
Long Term Debt And Capital Lease Obligation
423.17
+453.97%
76.39
-65.90%
224.03
+709.13%
27.69
Long Term Debt
400.01
+627.29%
55.00
-72.50%
200.00
+62793.71%
0.32
Long Term Capital Lease Obligation
23.16
+8.27%
21.39
-10.99%
24.03
-12.21%
27.37
Non Current Deferred Liabilities
—
40.72
+81.42%
22.44
—
Non Current Deferred Taxes Liabilities
—
40.72
+81.42%
22.44
—
Stockholders Equity
1,390.01
+10.81%
1,254.37
+5.10%
1,193.48
+14.49%
1,042.41
Common Stock Equity
1,390.01
+10.81%
1,254.37
+5.10%
1,193.48
+14.49%
1,042.41
Capital Stock
59.88
+0.00%
59.88
+0.00%
59.88
+0.00%
59.88
Common Stock
59.88
+0.00%
59.88
+0.00%
59.88
+0.00%
59.88
Preferred Stock
—
—
—
—
Share Issued
59.89
+0.00%
59.89
+0.00%
59.89
+0.00%
59.89
Ordinary Shares Number
43.26
-4.80%
45.44
-3.45%
47.07
-1.08%
47.58
Treasury Shares Number
16.63
+15.11%
14.44
+12.67%
12.82
+4.20%
12.30
Additional Paid In Capital
642.97
+0.50%
639.79
+0.18%
638.67
+0.29%
636.79
Retained Earnings
904.63
+17.18%
771.99
+20.75%
639.32
+23.81%
516.37
Gains Losses Not Affecting Retained Earnings
171.58
+115.29%
79.70
-5.07%
83.95
+107.33%
40.49
Treasury Stock
389.07
+31.00%
296.99
+30.06%
228.35
+8.15%
211.13
Other Equity Adjustments
171.58
+115.29%
79.70
-5.07%
83.95
+107.33%
40.49
Total Equity Gross Minority Interest
1,390.01
+10.81%
1,254.37
+5.10%
1,193.48
+14.49%
1,042.41
Total Capitalization
1,790.01
+36.71%
1,309.37
-6.04%
1,393.48
+33.64%
1,042.72
Invested Capital
1,846.60
+16.85%
1,580.32
+13.35%
1,394.25
+30.37%
1,069.44
Total Debt
479.75
+38.12%
347.34
+54.51%
224.80
+313.20%
54.40
Capital Lease Obligations
23.16
+8.27%
21.39
-10.99%
24.03
-12.21%
27.37
Net Tangible Assets
1,229.58
+13.33%
1,084.91
+4.42%
1,039.03
+18.12%
879.65
Tangible Book Value
1,229.58
+13.33%
1,084.91
+4.42%
1,039.03
+18.12%
879.65
Available For Sale Securities
2,583.31
+7.51%
2,402.75
+30.00%
1,848.30
+63.34%
1,131.57
Cash Cash Equivalents And Federal Funds Sold
1,040.34
+75.99%
591.14
-20.99%
748.17
+35.92%
550.46
Derivative Product Liabilities
—
—
—
0.00
Held To Maturity Securities
269.50
-17.62%
327.16
-40.41%
549.02
+2.61%
535.07
Trading Securities
0.02
+27.78%
0.02
+38.46%
0.01
+44.44%
0.01
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
217.72
-13.77%
252.50
-14.60%
295.66
+79.78%
164.46
Cash Flow From Continuing Operating Activities
217.72
-13.77%
252.50
-14.60%
295.66
+79.78%
164.46
Net Income From Continuing Operations
205.10
+3.50%
198.17
+8.96%
181.87
+9.40%
166.24
Depreciation Amortization Depletion
25.39
-5.23%
26.79
-1.83%
27.29
+12.23%
24.31
Depreciation
20.46
-2.00%
20.88
+2.39%
20.39
+28.93%
15.81
Amortization Cash Flow
4.93
-16.64%
5.91
-14.31%
6.90
-18.84%
8.50
Depreciation And Amortization
25.39
-5.23%
26.79
-1.83%
27.29
+12.23%
24.31
Amortization Of Intangibles
4.93
-16.64%
5.91
-14.31%
6.90
-18.84%
8.50
Other Non Cash Items
-84.31
-97.37%
-42.72
-12.37%
-38.01
+62.02%
-100.10
Stock Based Compensation
6.24
-13.04%
7.17
+43.37%
5.00
+19.50%
4.18
Deferred Tax
-153.67
-812.74%
21.56
-67.99%
67.35
+10.18%
61.13
Deferred Income Tax
-153.67
-812.74%
21.56
-67.99%
67.35
+10.18%
61.13
Operating Gains Losses
0.99
+172.50%
-1.37
+77.44%
-6.08
-1.96%
-5.96
Gain Loss On Investment Securities
0.00
-100.00%
0.01
-99.39%
1.15
+365.18%
0.25
Change In Working Capital
110.95
+414.34%
-35.30
-5050.21%
0.71
+110.94%
-6.52
Change In Receivables
4.06
+1402.96%
0.27
+104.55%
-5.94
-2.54%
-5.79
Changes In Account Receivables
4.06
+1402.96%
0.27
+104.55%
-5.94
-2.54%
-5.79
Change In Payables And Accrued Expense
46.91
+1085.80%
-4.76
-1805.73%
0.28
+100.82%
-34.15
Change In Accrued Expense
46.91
+1085.80%
-4.76
-1805.73%
0.28
+100.82%
-34.15
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
59.98
+294.69%
-30.81
-583.46%
6.37
-80.94%
33.42
Investing Cash Flow
-438.38
-30.48%
-335.98
+76.08%
-1,404.74
+7.15%
-1,512.94
Cash Flow From Continuing Investing Activities
-438.38
-30.48%
-335.98
+76.08%
-1,404.74
+7.15%
-1,512.94
Net PPE Purchase And Sale
-16.96
+20.51%
-21.34
-19.73%
-17.82
+32.03%
-26.21
Purchase Of PPE
-18.38
+13.85%
-21.34
-19.48%
-17.86
+42.39%
-31.00
Sale Of PPE
1.42
+142200.00%
0.00
-97.37%
0.04
-99.21%
4.78
Capital Expenditure
-18.38
+55.93%
-41.71
-133.59%
-17.86
+42.39%
-31.00
Net Investment Purchase And Sale
16.84
-44.30%
30.23
+105.23%
-578.36
+45.62%
-1,063.54
Purchase Of Investment
-531.39
+60.11%
-1,332.19
-23.76%
-1,076.40
+26.67%
-1,467.86
Sale Of Investment
548.23
-59.76%
1,362.41
+173.55%
498.04
+23.18%
404.32
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
0.00
Net Intangibles Purchase And Sale
0.00
+100.00%
-20.38
0.00
0.00
Purchase Of Intangibles
0.00
+100.00%
-20.38
0.00
0.00
Net Other Investing Changes
50.75
+32.22%
38.39
-25.61%
51.60
+3.56%
49.83
Financing Cash Flow
669.86
+1010.66%
-73.56
-105.63%
1,306.80
+1147.91%
-124.70
Cash Flow From Continuing Financing Activities
669.86
+1010.66%
-73.56
-105.63%
1,306.80
+1147.91%
-124.70
Net Issuance Payments Of Debt
—
0.00
0.00
+100.00%
-34.96
Net Long Term Debt Issuance
—
0.00
0.00
+100.00%
-34.96
Net Common Stock Issuance
-91.60
-30.25%
-70.32
-277.01%
-18.65
+70.90%
-64.11
Common Stock Payments
-91.60
-30.25%
-70.32
-277.01%
-18.65
+70.90%
-64.11
Common Stock Dividend Paid
-51.87
-13.64%
-45.65
-11.30%
-41.01
-36.29%
-30.09
Cash Dividends Paid
-51.87
-13.64%
-45.65
-11.30%
-41.01
-36.29%
-30.09
Repurchase Of Capital Stock
-91.60
-30.25%
-70.32
-277.01%
-18.65
+70.90%
-64.11
Proceeds From Stock Option Exercised
-3.53
+19.23%
-4.37
-158.61%
-1.69
-86.42%
-0.91
Changes In Cash
449.20
+386.05%
-157.04
-179.43%
197.71
+113.42%
-1,473.19
Beginning Cash Position
591.14
-20.99%
748.17
+35.92%
550.46
-72.80%
2,023.65
End Cash Position
1,040.34
+75.99%
591.14
-20.99%
748.17
+35.92%
550.46
Free Cash Flow
199.34
-5.43%
210.79
-24.12%
277.80
+108.16%
133.46
Interest Paid Supplemental Data
165.25
+5.40%
156.79
+96.66%
79.73
+195.73%
26.96
Income Tax Paid Supplemental Data
81.53
+103.47%
40.07
+167.02%
15.01
+192.76%
5.13
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
—
—
0.00
0.00
Preferred Stock Payments
—
—
0.00
0.00
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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