OFG Bancorp

OFG Bancorp

OFG
OFG BancorpUS flagNew York Stock Exchange
44.72
USD
-0.85
- -
1.89BMarket Cap
OFG Bancorp
OFG
(New York Stock Exchange)

Recent

price

44.73

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.6
3.78
4.8
8.78
8.87
7.17
7.49
7.88
7.85
7.38
9.39
9.76
11.76
13.55
14.17
15.27
15.63
Revenue per Share
-0.5
0.67
0.35
1.85
1.58
-0.37
1.03
0.88
1.59
0.92
1.32
2.84
3.46
3.85
4.25
4.6
4.85
Basic EPS, GAAP
-1.16
-0.97
1.16
3.6
3.71
2.08
1.67
3.3
2.68
1.88
0.38
1.51
2.78
5.88
4.52
4.47
4.3
Free Cash Flow per Basic Share
0.33
0.31
0.48
0.54
0.63
0.71
0.55
0.56
0.55
0.41
0.41
0.41
0.63
0.87
0.98
1.16
1.21
Dividend per Share
2.71
2.6
2.96
4.08
5.19
4.56
5.25
5.77
6.89
6.61
6.98
9.02
12
14.8
17.84
21.65
22.67
Book Value per Share
18.1
13.77
13.84
13.06
14.58
14.01
14.63
15.21
17.79
14.8
15.8
17.62
18.31
21.99
23.26
27.6
27.4
Tangible Book Value per Share
37
45
42
46
45
44
44
44
45
51
52
51
48
47
47
45
44
Basic Weighted Avg Shares
132
168
200
401
399
317
329
346
356
379
484
497
565
640
661
680
688
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
6
6
5
13
12
13
11
10
10
10
24
24
24
27
27
25
25
Depreciation Expense
10
34
25
98
85
-3
59
53
84
54
74
146
166
182
198
205
213
Net Income, GAAP
- -
2.45
11.85
- -
30.43
- -
30.52
22.68
36.44
28.45
21.62
31.9
31.9
31.43
21.9
12.39
12.32
Effective Tax Rate (%)
7.44
20.45
12.29
24.52
21.34
-0.79
18
15.2
23.68
14.21
15.35
29.39
29.42
28.41
29.98
30.15
31.01
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
282
430
699
440
440
437
142
136
81
114
105
67
28
224
76
423
422
LT Debt
732
696
864
885
942
897
920
945
1,000
1,045
1,086
1,069
1,042
1,193
1,254
1,390
1,367
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-17.98
27.55
12.21
54.62
33.95
-7.52
20.99
16.03
25.56
14.51
19.39
35.35
32.09
28.52
25.89
22.83
22.95
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
57
57
57
LT Borrowings
400
400
400
LT Finance Leases
25
23
22
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
44
43
42
Market Capitalization
1,970
1,832
1,782

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
742
1,042
639
Accounts Receivable, Net
60
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
57
57
57
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.59%
5.27%
10.81%
Free Cash Flow
40.43%
88.57%
-5.43%
Net Income, GAAP
-228.03%
26.45%
3.5%
Sales/Revenue/Turnover
8.18%
7.17%
2.92%
Total Cash Common Dividend
14.57%
30.19%
13.64%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
162
166
164
169
661
2025
167
168
171
174
680
2026
175
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.06
1.09
1.01
1.1
4.25
2025
1
1.15
1.16
1.28
4.6
2026
1.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.25
0.25
0.25
0.98
2025
0.25
0.3
0.3
0.31
1.16
2026
0.31
- -
- -
- -
- -
Business
OFG Bancorp (NYSE: OFG), founded in 1964 and headquartered in San Juan, Puerto Rico, operates as a diversified financial holding company through principal subsidiaries Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC, providing a wide range of retail and commercial banking, lending, wealth management products, services, and technology primarily in Puerto Rico and the U.S. Virgin Islands. Core offerings include consumer banking and lending such as auto loans, residential mortgages, consumer finance, and credit cards; commercial banking; savings accounts, certificates of deposit, individual retirement accounts, and personal and commercial checking accounts; financial planning, investment brokerage, corporate and individual trust and retirement services; and insurance products. The company conducts operations through three main segments: Banking, which generates the majority of revenue and encompasses commercial, consumer, auto, and mortgage lending along with deposit accounts; Wealth Management; and Treasury, which manages asset and liability activities including investment securities, interest rate risk, derivatives, and borrowings. OFG Bancorp serves commercial, consumer, and institutional clients with an omnichannel digital strategy emphasizing challenger branding via enhanced customer experience, agile operations, and expert advice, supported by flagship mass-market Libre and mass-affluent Elite accounts. Recent developments include a new open-ended $100 million share repurchase authorization announced in April 2025, in addition to prior buybacks totaling over $20 million in 3Q25; sustained loan portfolio growth to $8.12 billion in loans held for investment as of 3Q25, up nearly 5% year-over-year with $623.9 million in new production; core deposit expansion to $9.82 billion; investments in mortgage-backed securities exceeding $400 million across 2025 quarters; launches of the Oriental Marketplace platform and DGI Money Market fund in 2Q25; and strengthened AI initiatives alongside robust 3Q25 financial performance with EPS up 16% year-over-year.

Company News

APIChat
  • This is Why OFG Bancorp (OFG) is a Great Dividend Stock

  • Publication of Supplementary Prospectus

  • OFG Bancorp (OFG) Could Be a Great Choice

  • Surging Earnings Estimates Signal Upside for OFG (OFG) Stock

  • All You Need to Know About OFG (OFG) Rating Upgrade to Strong Buy

  • Best Income Stocks to Buy for May 8th

  • Annual Report for the year ended 31 December 2025 and Notice of Meeting

  • OFG Bancorp (OFG)'s Technical Outlook is Bright After Key Golden Cross

  • Are You Looking for a High-Growth Dividend Stock?

  • OFG Bancorp Declares Regular Quarterly Common Stock Dividend

  • OFG Bancorp (OFG) Q1 2026 Earnings Call Transcript

  • OFG Bancorp (OFG) Surpasses Q1 Earnings and Revenue Estimates

  • OFG Bancorp Reports 1Q26 Results

  • Comparing Dacotah Banks (OTCMKTS:DBIN) & OFG Bancorp (NYSE:OFG)

  • OFG Bancorp (NYSE:OFG) Receives $45.83 Consensus Price Target from Brokerages

  • OFG Bancorp to Report 1Q26 Results and Hold Call Tuesday, April 21, 2026

  • OFG Bancorp $OFG Shares Sold by Citigroup Inc.

  • KBRA Assigns Ratings to OFG Bancorp, Inc. and Affirms Ratings for Oriental Bank

  • Are Investors Undervaluing OFG Bancorp (OFG) Right Now?

  • Thrivent Financial for Lutherans Makes New Investment in OFG Bancorp $OFG