OFG Bancorp (OFG)

OFG Bancorp Statistics

Total Valuation

OFG Bancorp has a market cap or net worth of $1.71 billion. The enterprise value is $1.26 billion.

Market Cap	1.71B
Enterprise Value	1.26B

Important Dates

The next confirmed earnings date is Thursday, January 22, 2026, before market open.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Dec 31, 2025

Share Statistics

OFG Bancorp has 43.96 million shares outstanding. The number of shares has decreased by -5.62% in one year.

Current Share Class	43.96M
Shares Outstanding	43.96M
Shares Change (YoY)	-5.62%
Shares Change (QoQ)	-0.88%
Owned by Insiders (%)	1.05%
Owned by Institutions (%)	97.37%
Float	43.46M

Valuation Ratios

The trailing PE ratio is 8.41 and the forward PE ratio is 8.55.

PE Ratio	8.41
Forward PE	8.55
PS Ratio	3.02
Forward PS	2.78
PB Ratio	1.36
P/TBV Ratio	1.33
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.14
EV / Sales	2.02
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.51%.

Return on Equity (ROE)	15.51%
Return on Assets (ROA)	1.71%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$281,430
Profits Per Employee	$92,514
Employee Count	2,217
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OFG Bancorp has paid $29.01 million in taxes.

Income Tax	29.01M
Effective Tax Rate	12.39%

Stock Price Statistics

The stock price has decreased by -12.81% in the last 52 weeks. The beta is 0.78, so OFG Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	-12.81%
50-Day Moving Average	41.02
200-Day Moving Average	41.69
Relative Strength Index (RSI)	36.37
Average Volume (20 Days)	197,906

Short Selling Information

The latest short interest is 993,713, so 2.26% of the outstanding shares have been sold short.

Short Interest	993,713
Short Previous Month	863,599
Short % of Shares Out	2.26%
Short % of Float	2.29%
Short Ratio (days to cover)	4.05

Income Statement

In the last 12 months, OFG Bancorp had revenue of $623.93 million and earned $205.10 million in profits. Earnings per share was $4.63.

Revenue	623.93M
Gross Profit	623.93M
Operating Income	235.14M
Pretax Income	234.12M
Net Income	205.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.63

Balance Sheet

The company has $1.04 billion in cash and $580.46 million in debt, with a net cash position of $459.90 million or $10.46 per share.

Cash & Cash Equivalents	1.04B
Total Debt	580.46M
Net Cash	459.90M
Net Cash Per Share	$10.46
Equity (Book Value)	1.39B
Book Value Per Share	31.40
Working Capital	-1.30B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.69%
Pretax Margin	37.52%
Profit Margin	32.87%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.08%.

Dividend Per Share	$1.20
Dividend Yield	3.08%
Dividend Growth (YoY)	20.00%
Years of Dividend Growth	5
Payout Ratio	27.27%
Buyback Yield	5.62%
Shareholder Yield	8.44%
Earnings Yield	11.93%
FCF Yield	n/a

Analyst Forecast

The average price target for OFG Bancorp is $45.60, which is 16.98% higher than the current price. The consensus rating is "Buy".

Price Target	$45.60
Price Target Difference	16.98%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on December 29, 2004. It was a forward split with a ratio of 1.1:1.

Last Split Date	Dec 29, 2004
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2