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OFG Bancorp
OFG
NYSE·Financial Services·Banks - Regional·Mkt cap $2.1B
$49.16
▼ -1.97%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$35.71 - $50.66
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 12.9% 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
2 risks
- Low volatility (beta 0.7).
- Growth premium of 0.9x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Mild headwinds expected
Expansion of wealth management and investment advisory services with higher profit margins
Value
Growth premium of 0.9x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Hot
+21.3% over 3m
Quality
Excellent
High-growth business (26% revenue growth, 72% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.59% 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: Apr 16, 2026
APR 21, 2026
Reported EPS of $1.26 vs $1.02 consensus (+23.5% surprise). Revenue of $185.8M vs $176.8M expected (+5.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+23.5%
Next: Apr 16, 2026
Revenue trend · last 8Q
—
—
-1%
+3%
+1%
+5%
+9%
+36%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$166.2M
$163.7M
$169.0M
$166.7M
$167.9M
$216.7M
$228.8M
$226.4M
Margins · last 8Q
Gross
72.3%
Operating
30.4%
Profit
23.8%
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: Wells Fargo · Apr 22, 2026