OFG Bancorp Statistics
Total Valuation
OFG Bancorp has a market cap or net worth of $1.78 billion. The enterprise value is $1.62 billion.
Important Dates
The last earnings date was Wednesday, October 22, 2025, before market open.
| Earnings Date | Oct 22, 2025 |
| Ex-Dividend Date | Dec 31, 2025 |
Share Statistics
OFG Bancorp has 43.96 million shares outstanding. The number of shares has decreased by -3.86% in one year.
| Current Share Class | 43.96M |
| Shares Outstanding | 43.96M |
| Shares Change (YoY) | -3.86% |
| Shares Change (QoQ) | -0.83% |
| Owned by Insiders (%) | 1.04% |
| Owned by Institutions (%) | 98.59% |
| Float | 43.46M |
Valuation Ratios
The trailing PE ratio is 9.19 and the forward PE ratio is 8.99.
| PE Ratio | 9.19 |
| Forward PE | 8.99 |
| PS Ratio | 2.92 |
| Forward PS | 2.85 |
| PB Ratio | 1.30 |
| P/TBV Ratio | 1.39 |
| P/FCF Ratio | 9.86 |
| P/OCF Ratio | 9.03 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 8.11 |
| EV / Sales | 2.59 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.98 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.23 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 14.82%.
| Return on Equity (ROE) | 14.82% |
| Return on Assets (ROA) | 1.68% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $277,829 |
| Profits Per Employee | $88,850 |
| Employee Count | 2,246 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OFG Bancorp has paid $39.93 million in taxes.
| Income Tax | 39.93M |
| Effective Tax Rate | 16.67% |
Stock Price Statistics
The stock price has decreased by -9.31% in the last 52 weeks. The beta is 0.80, so OFG Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.80 |
| 52-Week Price Change | -9.31% |
| 50-Day Moving Average | 41.99 |
| 200-Day Moving Average | 41.71 |
| Relative Strength Index (RSI) | 47.77 |
| Average Volume (20 Days) | 302,791 |
Short Selling Information
The latest short interest is 568,508, so 1.29% of the outstanding shares have been sold short.
| Short Interest | 568,508 |
| Short Previous Month | 913,391 |
| Short % of Shares Out | 1.29% |
| Short % of Float | 1.31% |
| Short Ratio (days to cover) | 2.11 |
Income Statement
In the last 12 months, OFG Bancorp had revenue of $624.00 million and earned $199.56 million in profits. Earnings per share was $4.40.
| Revenue | 624.00M |
| Gross Profit | 624.00M |
| Operating Income | 253.25M |
| Pretax Income | 239.48M |
| Net Income | 199.56M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.40 |
Full Income StatementBalance Sheet
The company has $740.37 million in cash and $582.00 million in debt, giving a net cash position of $158.37 million or $3.60 per share.
| Cash & Cash Equivalents | 740.37M |
| Total Debt | 582.00M |
| Net Cash | 158.37M |
| Net Cash Per Share | $3.60 |
| Equity (Book Value) | 1.38B |
| Book Value Per Share | 31.07 |
| Working Capital | -9.30B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $196.78 million and capital expenditures -$16.54 million, giving a free cash flow of $180.24 million.
| Operating Cash Flow | 196.78M |
| Capital Expenditures | -16.54M |
| Free Cash Flow | 180.24M |
| FCF Per Share | $4.10 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 40.59% |
| Pretax Margin | 38.38% |
| Profit Margin | 31.98% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.88% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 2.97%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 2.97% |
| Dividend Growth (YoY) | 20.00% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 27.27% |
| Buyback Yield | 3.86% |
| Shareholder Yield | 6.83% |
| Earnings Yield | 11.23% |
| FCF Yield | 10.14% |
Dividend DetailsAnalyst Forecast
The average price target for OFG Bancorp is $45.75, which is 13.16% higher than the current price. The consensus rating is "Buy".
| Price Target | $45.75 |
| Price Target Difference | 13.16% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| 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 | 3 |
