OFG Bancorp
OFG
NYSE·Financial Services·Banks - Regional·Mkt cap $2.2B
$52.84
▲ +0.25%
P/E
10.59
Mkt Cap
$2.2B
52-Wk Range
$35.71–$54.47
52-Week Range
$35.71 - $54.47
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 18.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Dominant market position in Puerto Rico and USVI with 52-branch network
- Diversified revenue streams across banking, wealth management, and treasury operations
- Established brand heritage since 1964 with deep customer relationships and local expertise
- Integrated financial services platform offering one-stop solutions for retail and institutional clients
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Expansion of wealth management and investment advisory services with higher profit margins
Value
Trading at 0.9x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+17.8% over 3m
Quality
Excellent
High-growth business (35% revenue growth, 74% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.47% yield
Smart-money signal
Who's buying OFG right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 21, 2026
JUL 21, 2026
Reported EPS of $1.39 vs $1.17 consensus (+18.8% surprise). Revenue of $190.3M vs $182.6M expected (+4.2%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+18.8%
Revenue trend · last 8Q
—
-1%
+3%
+1%
+5%
+9%
+36%
+10%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$163.7M
$169.0M
$166.7M
$167.9M
$216.7M
$228.8M
$226.4M
$230.6M
Margins · last 8Q
Gross
77.1%
Operating
32.3%
Profit
25.5%
Wall Street consensus
4 analysts · 25% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
25%
Hold
75%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jul 22, 2026
vs Industry
How OFG stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related