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OFG BANCORP

OFGNYSE
πŸ† #1541 by market capEarnings Oct 21US Equity
$52.54β–² $0.42 (+0.80%)
Market closed Β· at close
1hβ€”
24hβ–² 0.8%
7dβ–Ό 0.9%
14dβ–² 0.4%
30dβ–² 5.1%
1yβ–² 21.8%
🏦Market Cap
$2.22B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+28.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
20.1%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
50
Weak

Trading Snapshot

Day Range
$52.13 – $52.96
52-Week Range
$35.71 – $53.82
Volume
$6.10B
Avg Volume
$6.92B
Shares Outstanding
42.3M
Next Earnings
Sep 15, 2026

Fundamentals Snapshot

Annual Revenue
$863M
Last Q Revenue
$231M
P/E Ratio
10.0
P/S Ratio
2.3x
EPS (TTM)
$5.08
Dividend Yield
2.42%

Why Investors Own OFG

  • βœ“High-growth profile β€” revenue up +23.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 78% gross margin and 23% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$863Mβ–² +27.6% YoY
Gross Margin (TTM)
77.8%β–² +3.3% YoY
Operating Income (TTM)
$273Mβ–² +27.6% YoY
Free Cash Flow (TTM)
$200Mβ–² +27.6% YoY

About OFG BANCORP

OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans. Beyond traditional lending and deposits, OFG Bancorp also provides financial planning, insurance, and trust services for both corporate and individual clients, as well as retirement plan administration. The firm extends its offerings to securities brokerage and investment advisory, assisting retail and institutional investors with various investment vehicles, including tax-advantaged fixed income instruments, mutual funds, stocks, and bonds. This segment also manages separately-managed accounts and offers mutual fund asset allocation programs. Furthermore, OFG Bancorp is engaged in insurance agency and reinsurance activities, and its Treasury segment actively manages an investment portfolio composed of mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. It also participates in and manages public and private placements of debt and equity. Additional services encompass money management and investment banking. The company also oversees asset/liability management strategies, which involve the purchase and sale of investment securities, interest rate risk management, derivatives, and various borrowing activities. Founded in 1964 and headquartered in San Juan, Puerto Rico, OFG Bancorp serves its customers through a network of 50 branches in Puerto Rico and two branches in the U.S. Virgin Islands.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
50/100

Analyst Price Target

β“˜
Average Target
$60.73
β–² +15.6% Upside
High Target$70.91
Low Target$56.78
Based on 32 analysts

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