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OFG Bancorp (OFG)
:OFG
Total Valuation
OFG Bancorp has a market cap or net worth of $1.76B. The enterprise value is $1.79B.
Market Cap$1.76B
Enterprise Value$1.79B
Share Statistics
OFG Bancorp has 43,955,220 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding43,955,220
Owned by Insiders0.91%
Owned by Institutions15.91%
Financial Efficiency
OFG Bancorp’s return on equity (ROE) is 0.16 and return on invested capital (ROIC) is 10.45%.
Return on Equity (ROE)0.16
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)10.45%
Return on Capital Employed (ROCE)0.14
Revenue Per Employee370.12K
Profits Per Employee89.15K
Employee Count2,223
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of OFG Bancorp is 9.1. OFG Bancorp’s PEG ratio is 0.96.
PE Ratio9.1
PS Ratio2.40
PB Ratio1.57
Price to Fair Value1.57
Price to FCF9.36
Price to Operating Cash Flow9.04
PEG Ratio0.96
Income Statement
In the last 12 months, OFG Bancorp had revenue of 822.77M and earned 198.17M in profits. Earnings per share was 4.25.
Revenue822.77M
Gross Profit578.69M
Operating Income253.75M
Pretax Income253.75M
Net Income198.17M
EBITDA280.54M
Earnings Per Share (EPS)4.25
Cash Flow
In the last 12 months, operating cash flow was 196.78M and capital expenditures -19.76M, giving a free cash flow of 177.03M billion.
Operating Cash Flow196.78M
Free Cash Flow177.03M
Free Cash Flow per Share4.03
Dividends & Yields
OFG Bancorp pays an annual dividend of $0.3, resulting in a dividend yield of 2.83%
Dividend Per Share$0.3
Dividend Yield2.83%
Payout Ratio26.14%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.83
52-Week Price Change-7.33%
50-Day Moving Average40.95
200-Day Moving Average41.13
Relative Strength Index (RSI)54.00
Average Volume (3m)286.66K
Important Dates
OFG Bancorp upcoming earnings date is Jan 28, 2026, Before Open (Confirmed).
Last Earnings DateOct 22, 2025
Next Earnings DateJan 28, 2026
Ex-Dividend DateDec 31, 2025
Financial Position
OFG Bancorp as a current ratio of 0.32, with Debt / Equity ratio of 42.31%
Current Ratio0.32
Quick Ratio0.32
Debt to Market Cap0.20
Net Debt to EBITDA-0.60
Interest Coverage Ratio1.57
Taxes
In the past 12 months, OFG Bancorp has paid 55.58M in taxes.
Income Tax55.58M
Effective Tax Rate0.22
Enterprise Valuation
OFG Bancorp EV to EBITDA ratio is 6.43, with an EV/FCF ratio of 8.56.
EV to Sales2.19
EV to EBITDA6.43
EV to Free Cash Flow8.56
EV to Operating Cash Flow7.15
Balance Sheet
OFG Bancorp has $2.83B in cash and marketable securities with $582.00M in debt, giving a net cash position of $2.25B billion.
Cash & Marketable Securities$2.83B
Total Debt$582.00M
Net Cash$2.25B
Net Cash Per Share$51.14
Tangible Book Value Per Share$23.26
Margins
Gross margin is 67.43%, with operating margin of 30.84%, and net profit margin of 24.09%.
Gross Margin67.43%
Operating Margin30.84%
Pretax Margin30.84%
Net Profit Margin24.09%
EBITDA Margin34.10%
EBIT Margin30.92%
Analyst Forecast
The average price target for OFG Bancorp is $47.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$47.00
Price Target Upside15.51% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast3.98%
EPS Growth Forecast6.75%