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OFG Bancorp

Data quality: 100%
OFG
NYSE Financial Services Banks - Regional
$39.90
▲ $0.37 (0.94%)
Mkt Cap: 1.72B
Day Range
$39.25 $40.31
52-Week Range
$33.15 $46.11
Volume
216,249
50D / 200D Avg
$40.48 / $41.84
Prev Close
$39.53

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 8.4 10.3
P/B 1.2 1.1
ROE % 15.5 11.7
Net Margin % 23.8 16.9
Rev Growth 5Y % 12.5 11.6
D/E 0.4 0.5

Analyst Price Target

Hold
$45.50 +14.0%
Low: $43.00 High: $50.00
Forward P/E
9.2
Forward EPS
$4.32
EPS Growth (est.)
+0.0%
Est. Revenue
720 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.55
$4.50 – $4.62
 730 M 3
FY2026 $4.32
$4.23 – $4.42
 720 M 4

Key Takeaways

Revenue grew 12.47% annually over 5 years — strong growth
ROE of 15.51% — decent returns on equity
Net margin of 23.78% shows strong profitability
Debt/Equity of 0.42 — conservative balance sheet
Generating 199.34M in free cash flow
P/E of 8.38 — trading at a low valuation

Growth

Revenue Growth (5Y)
12.47%
Revenue (1Y)4.84%
Earnings (1Y)3.50%
FCF Growth (3Y)-15.29%

Quality

Return on Equity
15.51%
ROIC10.12%
Net Margin23.78%
Op. Margin30.84%

Safety

Debt / Equity
0.42
Current Ratio0.12
Interest Coverage1.54

Valuation

P/E Ratio
8.38
P/B Ratio1.24
EV/EBITDA4.73
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 4.84% Revenue Growth (3Y) 8.84%
Earnings Growth (1Y) 3.50% Earnings Growth (3Y) 6.20%
Revenue Growth (5Y) 12.47% Earnings Growth (5Y) 8.84%
Profitability
Revenue (TTM) 862.62M Net Income (TTM) 205.10M
ROE 15.51% ROA 1.65%
Gross Margin 71.24% Operating Margin 30.84%
Net Margin 23.78% Free Cash Flow (TTM) 199.34M
ROIC 10.12% FCF Growth (3Y) -15.29%
Safety
Debt / Equity 0.42 Current Ratio 0.12
Interest Coverage 1.54 Dividend Yield 0.03%
Valuation
P/E Ratio 8.38 P/B Ratio 1.24
P/S Ratio 1.99 PEG Ratio 1.41
EV/EBITDA 4.73 Dividend Yield 0.03%
Market Cap 1.72B Enterprise Value 1.26B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 862.62M 822.78M 728.15M 598.51M 539.08M
Net Income 205.10M 198.17M 181.87M 166.24M 146.15M
EPS (Diluted) 4.49 4.23 3.82 3.44 2.81
Gross Profit 614.52M 578.69M 579.50M 540.89M 497.03M
Operating Income 266.01M 253.75M 265.25M 244.11M 214.60M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 12.47B 11.50B 11.34B 9.82B 9.90B
Total Liabilities 11.08B 10.25B 10.15B 8.78B 8.83B
Shareholders' Equity 1.39B 1.25B 1.19B 1.04B 1.07B
Total Debt 580.46M 422.56M 224.80M 54.40M 95.07M
Cash & Equivalents 1.04B 591.14M 748.17M 550.31M 2.02B
Current Assets 1.22B 3.07B 2.98B 2.08B 2.65B
Current Liabilities 10.60B 9.68B 9.76B 8.69B 8.70B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
Custom Contrarian Investing (David Dreman)
#316 of 670
31

Recent Activity

Entered Contrarian Investing (David Dreman)
Mar 24, 2026