OFG BANCORP (OFG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:OFG • PR67103X1020

40.73 USD
+0.43 (+1.07%)
At close: Feb 2, 2026
40.73 USD
0 (0%)
After Hours: 2/2/2026, 8:04:00 PM
Fundamental Rating

4

Overall OFG gets a fundamental rating of 4 out of 10. We evaluated OFG against 383 industry peers in the Banks industry. OFG has a medium profitability rating, but doesn't score so well on its financial health evaluation. OFG is valued correctly, but it does not seem to be growing. Finally OFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • OFG had positive earnings in the past year.
  • In the past year OFG had a positive cash flow from operations.
  • Of the past 5 years OFG 4 years were profitable.
  • OFG had a positive operating cash flow in 4 of the past 5 years.
OFG Yearly Net Income VS EBIT VS OCF VS FCFOFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

  • OFG has a Return On Assets of 1.63%. This is amongst the best in the industry. OFG outperforms 91.38% of its industry peers.
  • OFG has a better Return On Equity (14.51%) than 92.17% of its industry peers.
Industry RankSector Rank
ROA 1.63%
ROE 14.51%
ROIC N/A
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
OFG Yearly ROA, ROE, ROICOFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • OFG's Profit Margin of 27.34% is fine compared to the rest of the industry. OFG outperforms 67.10% of its industry peers.
  • In the last couple of years the Profit Margin of OFG has grown nicely.
  • The Operating Margin and Gross Margin are not available for OFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
OFG Yearly Profit, Operating, Gross MarginsOFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

  • OFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for OFG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
OFG Yearly Shares OutstandingOFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
OFG Yearly Total Debt VS Total AssetsOFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • OFG has a debt to FCF ratio of 0.57. This is a very positive value and a sign of high solvency as it would only need 0.57 years to pay back of all of its debts.
  • The Debt to FCF ratio of OFG (0.57) is better than 78.59% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that OFG is not too dependend on debt financing.
  • OFG's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. OFG outperforms 74.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.57
Altman-Z N/A
ROIC/WACCN/A
WACC12.94%
OFG Yearly LT Debt VS Equity VS FCFOFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OFG Yearly Current Assets VS Current LiabilitesOFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.53% over the past year.
  • The Earnings Per Share has been growing by 28.45% on average over the past years. This is a very strong growth
EPS 1Y (TTM)8.53%
EPS 3Y10.01%
EPS 5Y28.45%
EPS Q2Q%16.51%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.42%

3.2 Future

  • OFG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.73% yearly.
  • Based on estimates for the next years, OFG will show a small growth in Revenue. The Revenue will grow by 4.45% on average per year.
EPS Next Y0.63%
EPS Next 2Y2.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.67%
Revenue Next 2Y4.45%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
OFG Yearly Revenue VS EstimatesOFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
OFG Yearly EPS VS EstimatesOFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.89 indicates a reasonable valuation of OFG.
  • Compared to the rest of the industry, the Price/Earnings ratio of OFG indicates a rather cheap valuation: OFG is cheaper than 90.34% of the companies listed in the same industry.
  • OFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
  • Based on the Price/Forward Earnings ratio of 8.84, the valuation of OFG can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OFG indicates a rather cheap valuation: OFG is cheaper than 85.12% of the companies listed in the same industry.
  • OFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
Industry RankSector Rank
PE 8.89
Fwd PE 8.84
OFG Price Earnings VS Forward Price EarningsOFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OFG indicates a somewhat cheap valuation: OFG is cheaper than 69.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.11
EV/EBITDA N/A
OFG Per share dataOFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OFG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)14.23
PEG (5Y)0.31
EPS Next 2Y2.73%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

  • OFG has a Yearly Dividend Yield of 3.52%.
  • Compared to an average industry Dividend Yield of 2.67, OFG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, OFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.52%

5.2 History

  • On average, the dividend of OFG grows each year by 19.38%, which is quite nice.
  • OFG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • OFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)19.38%
Div Incr Years4
Div Non Decr Years8
OFG Yearly Dividends per shareOFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • OFG pays out 25.13% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of OFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.13%
EPS Next 2Y2.73%
EPS Next 3YN/A
OFG Yearly Income VS Free CF VS DividendOFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
OFG Dividend Payout.OFG Dividend Payout, showing the Payout Ratio.OFG Dividend Payout.PayoutRetained Earnings

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OFG BANCORP

NYSE:OFG (2/2/2026, 8:04:00 PM)

After market: 40.73 0 (0%)

40.73

+0.43 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners98.17%
Inst Owner Change-3.38%
Ins Owners1.33%
Ins Owner Change-4.44%
Market Cap1.79B
Revenue(TTM)N/A
Net Income(TTM)199.56M
Analysts77.5
Price Target49.22 (20.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.52%
Yearly Dividend0.99
Dividend Growth(5Y)19.38%
DP25.13%
Div Incr Years4
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.44%
Min EPS beat(2)-1.56%
Max EPS beat(2)8.44%
EPS beat(4)3
Avg EPS beat(4)5.26%
Min EPS beat(4)-1.56%
Max EPS beat(4)11.84%
EPS beat(8)6
Avg EPS beat(8)4.91%
EPS beat(12)10
Avg EPS beat(12)4.9%
EPS beat(16)13
Avg EPS beat(16)4.88%
Revenue beat(2)0
Avg Revenue beat(2)-4.63%
Min Revenue beat(2)-7.03%
Max Revenue beat(2)-2.24%
Revenue beat(4)1
Avg Revenue beat(4)-3.17%
Min Revenue beat(4)-7.03%
Max Revenue beat(4)0.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.54%
Revenue beat(12)5
Avg Revenue beat(12)1.61%
Revenue beat(16)9
Avg Revenue beat(16)9.37%
PT rev (1m)0%
PT rev (3m)-2.53%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)0.95%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.85%
Valuation
Industry RankSector Rank
PE 8.89
Fwd PE 8.84
P/S 2.45
P/FCF 10.11
P/OCF 9.1
P/B 1.3
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)4.58
EY11.24%
EPS(NY)4.61
Fwd EY11.32%
FCF(TTM)4.03
FCFY9.89%
OCF(TTM)4.48
OCFY10.99%
SpS16.6
BVpS31.29
TBVpS27.59
PEG (NY)14.23
PEG (5Y)0.31
Graham Number56.78
Profitability
Industry RankSector Rank
ROA 1.63%
ROE 14.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.34%
GM N/A
FCFM 24.26%
ROA(3y)1.67%
ROA(5y)1.43%
ROE(3y)15.66%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.28%
PM growth 5Y19%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.57
Debt/EBITDA N/A
Cap/Depr 77.57%
Cap/Sales 2.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.94%
ROIC/WACCN/A
Cap/Depr(3y)116.22%
Cap/Depr(5y)101.92%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.13%
Profit Quality(3y)113.13%
Profit Quality(5y)84.3%
High Growth Momentum
Growth
EPS 1Y (TTM)8.53%
EPS 3Y10.01%
EPS 5Y28.45%
EPS Q2Q%16.51%
EPS Next Y0.63%
EPS Next 2Y2.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.42%
Revenue Next Year6.67%
Revenue Next 2Y4.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-19.26%
FCF growth 3Y39.95%
FCF growth 5Y16.89%
OCF growth 1Y-16.98%
OCF growth 3Y36.17%
OCF growth 5Y18.17%

OFG BANCORP / OFG FAQ

What is the ChartMill fundamental rating of OFG BANCORP (OFG) stock?

ChartMill assigns a fundamental rating of 4 / 10 to OFG.


Can you provide the valuation status for OFG BANCORP?

ChartMill assigns a valuation rating of 5 / 10 to OFG BANCORP (OFG). This can be considered as Fairly Valued.


Can you provide the profitability details for OFG BANCORP?

OFG BANCORP (OFG) has a profitability rating of 4 / 10.


What is the financial health of OFG BANCORP (OFG) stock?

The financial health rating of OFG BANCORP (OFG) is 3 / 10.


What is the earnings growth outlook for OFG BANCORP?

The Earnings per Share (EPS) of OFG BANCORP (OFG) is expected to grow by 0.63% in the next year.