OFG Bancorp Statistics
Total Valuation
OFG Bancorp has a market cap or net worth of $1.97 billion. The enterprise value is $1.62 billion.
Important Dates
The next estimated earnings date is Wednesday, October 15, 2025, before market open.
| Earnings Date | Oct 15, 2025 |
| Ex-Dividend Date | Sep 30, 2025 |
Share Statistics
OFG Bancorp has 44.52 million shares outstanding. The number of shares has decreased by -2.97% in one year.
| Current Share Class | 44.52M |
| Shares Outstanding | 44.52M |
| Shares Change (YoY) | -2.97% |
| Shares Change (QoQ) | -1.05% |
| Owned by Insiders (%) | 1.15% |
| Owned by Institutions (%) | 98.76% |
| Float | 43.97M |
Valuation Ratios
The trailing PE ratio is 10.39 and the forward PE ratio is 9.74.
| PE Ratio | 10.39 |
| Forward PE | 9.74 |
| PS Ratio | 3.25 |
| Forward PS | 3.13 |
| PB Ratio | 1.48 |
| P/TBV Ratio | 1.59 |
| P/FCF Ratio | 10.00 |
| P/OCF Ratio | 9.12 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 8.30 |
| EV / Sales | 2.61 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.23 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.56 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.20%.
| Return on Equity (ROE) | 15.20% |
| Return on Assets (ROA) | 1.66% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $275,810 |
| Profits Per Employee | $86,696 |
| Employee Count | 2,246 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OFG Bancorp has paid $45.18 million in taxes.
| Income Tax | 45.18M |
| Effective Tax Rate | 18.83% |
Stock Price Statistics
The stock price has increased by +2.13% in the last 52 weeks. The beta is 0.83, so OFG Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.83 |
| 52-Week Price Change | +2.13% |
| 50-Day Moving Average | 43.81 |
| 200-Day Moving Average | 42.10 |
| Relative Strength Index (RSI) | 51.91 |
| Average Volume (20 Days) | 193,718 |
Short Selling Information
The latest short interest is 532,890, so 1.20% of the outstanding shares have been sold short.
| Short Interest | 532,890 |
| Short Previous Month | 541,880 |
| Short % of Shares Out | 1.20% |
| Short % of Float | 1.21% |
| Short Ratio (days to cover) | 2.39 |
Income Statement
In the last 12 months, OFG Bancorp had revenue of $619.47 million and earned $194.72 million in profits. Earnings per share was $4.25.
| Revenue | 619.47M |
| Gross Profit | 619.47M |
| Operating Income | 255.56M |
| Pretax Income | 273.51M |
| Net Income | 194.72M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.25 |
Full Income StatementBalance Sheet
The company has $851.82 million in cash and $503.35 million in debt, giving a net cash position of $348.47 million or $7.83 per share.
| Cash & Cash Equivalents | 851.82M |
| Total Debt | 503.35M |
| Net Cash | 348.47M |
| Net Cash Per Share | $7.83 |
| Equity (Book Value) | 1.33B |
| Book Value Per Share | 29.83 |
| Working Capital | -9.21B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $215.43 million and capital expenditures -$18.93 million, giving a free cash flow of $196.49 million.
| Operating Cash Flow | 215.43M |
| Capital Expenditures | -18.93M |
| Free Cash Flow | 196.49M |
| FCF Per Share | $4.41 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.25% |
| Pretax Margin | 38.73% |
| Profit Margin | 31.43% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 31.72% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 2.72%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 2.72% |
| Dividend Growth (YoY) | 17.02% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 25.89% |
| Buyback Yield | 2.97% |
| Shareholder Yield | 5.68% |
| Earnings Yield | 9.91% |
| FCF Yield | 10.00% |
Dividend DetailsAnalyst Forecast
The average price target for OFG Bancorp is $46.67, which is 5.71% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.67 |
| Price Target Difference | 5.71% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
