OFG Bancorp (OFG)

OFG Bancorp Statistics

Total Valuation

OFG Bancorp has a market cap or net worth of $1.75 billion. The enterprise value is $1.60 billion.

Market Cap	1.75B
Enterprise Value	1.60B

Important Dates

The last earnings date was Wednesday, October 22, 2025, before market open.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Sep 30, 2025

Share Statistics

OFG Bancorp has 44.27 million shares outstanding. The number of shares has decreased by -3.86% in one year.

Current Share Class	44.27M
Shares Outstanding	44.27M
Shares Change (YoY)	-3.86%
Shares Change (QoQ)	-0.83%
Owned by Insiders (%)	1.16%
Owned by Institutions (%)	98.71%
Float	43.72M

Valuation Ratios

The trailing PE ratio is 9.01 and the forward PE ratio is 8.78.

PE Ratio	9.01
Forward PE	8.78
PS Ratio	2.87
Forward PS	2.79
PB Ratio	1.28
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.00
EV / Sales	2.56
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 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 increased by +0.20% in the last 52 weeks. The beta is 0.81, so OFG Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+0.20%
50-Day Moving Average	43.31
200-Day Moving Average	41.95
Relative Strength Index (RSI)	36.97
Average Volume (20 Days)	216,545

Short Selling Information

The latest short interest is 560,640, so 1.27% of the outstanding shares have been sold short.

Short Interest	560,640
Short Previous Month	664,670
Short % of Shares Out	1.27%
Short % of Float	1.28%
Short Ratio (days to cover)	2.44

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	253.36M
Pretax Income	239.48M
Net Income	199.56M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.40

Balance 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 $3.58 per share.

Cash & Cash Equivalents	740.37M
Total Debt	582.00M
Net Cash	158.37M
Net Cash Per Share	$3.58
Equity (Book Value)	1.38B
Book Value Per Share	31.07
Working Capital	-9.20B

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	40.60%
Pretax Margin	38.38%
Profit Margin	31.98%
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 3.03%.

Dividend Per Share	$1.20
Dividend Yield	3.03%
Dividend Growth (YoY)	18.56%
Years of Dividend Growth	4
Payout Ratio	26.13%
Buyback Yield	3.86%
Shareholder Yield	6.89%
Earnings Yield	11.38%
FCF Yield	n/a

Analyst Forecast

The average price target for OFG Bancorp is $47.00, which is 18.60% higher than the current price. The consensus rating is "Buy".

Price Target	$47.00
Price Target Difference	18.60%
Analyst Consensus	Buy
Analyst Count	4
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