OFG Bancorp (OFG)
Market Price (12/28/2025): $41.74 | Market Cap: $1.9 BilSector: Financials | Industry: Regional Banks
OFG Bancorp (OFG)
Market Price (12/28/2025): $41.74Market Cap: $1.9 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 9.5% | Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -8.9% | Key risksOFG key risks include [1] significant net interest margin pressure due to intense competition, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -126% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% | ||
| Low stock price volatilityVol 12M is 27% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 9.5% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -126% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% |
| Low stock price volatilityVol 12M is 27% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -8.9% |
| Key risksOFG key risks include [1] significant net interest margin pressure due to intense competition, Show more. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
Here are the key points for why OFG Bancorp's stock moved by -6.1% from approximately August 31, 2025, to December 26, 2025:
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<b>1. Negative Market Reaction to Q3 2025 Earnings:</b> Despite reporting strong revenue that surpassed analyst estimates for the third quarter of 2025, OFG Bancorp's stock experienced a notable decline of 5.14% on October 22, 2025, the day its earnings results were released, closing at $40.01. While diluted earnings per share (EPS) of $1.16 were slightly below forecasts by $0.02, the market's reaction indicated underlying concerns.
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<b>2. Significant Increase in Provision for Credit Losses:</b> OFG Bancorp reported a substantial increase in its provision for credit losses to $28.3 million in the third quarter of 2025, up from $21.7 million in the second quarter of 2025. This rise was driven by factors including loan growth, specific reserves allocated for two commercial loans, and updated economic assumptions.
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<b>3. Rise in Net Charge-Offs:</b> The company saw an increase in net charge-offs, which reached 1.00% of average loans in Q3 2025. This figure was up from 0.64% in the preceding quarter, indicating a deterioration in loan quality.
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<b>4. Net Interest Margin Compression and Slowing Net Interest Income Growth:</b> OFG Bancorp's net interest margin decreased to 5.24% in the third quarter of 2025 from 5.51% a year prior, reflecting pressure on interest rate spreads. Furthermore, analysts anticipate a significant slowdown in net interest income growth, forecasting only a 1.4% increase over the next 12 months, a stark contrast to the 9.2% annualized pace over the last five years, with the net interest margin having contracted by 69.7 basis points over two years.
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<b>5. Decline in Mortgage Banking Revenues:</b> The company experienced a sequential decline in mortgage banking revenues during the third quarter of 2025. This was primarily attributed to a change in the valuation of mortgage servicing rights (MSR).
Show moreStock Movement Drivers
Fundamental Drivers
The -5.9% change in OFG stock from 9/27/2025 to 12/27/2025 was primarily driven by a -9.0% change in the company's P/E Multiple.| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 44.37 | 41.75 | -5.92% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 667.33 | 674.87 | 1.13% |
| Net Income Margin (%) | 29.18% | 29.57% | 1.34% |
| P/E Multiple | 10.26 | 9.34 | -8.96% |
| Shares Outstanding (Mil) | 45.03 | 44.66 | 0.83% |
| Cumulative Contribution | -5.92% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| OFG | -5.9% | |
| Market (SPY) | 4.3% | 31.7% |
| Sector (XLF) | 3.3% | 60.6% |
Fundamental Drivers
The -1.8% change in OFG stock from 6/28/2025 to 12/27/2025 was primarily driven by a -5.8% change in the company's P/E Multiple.| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 42.50 | 41.75 | -1.76% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 665.65 | 674.87 | 1.38% |
| Net Income Margin (%) | 29.15% | 29.57% | 1.43% |
| P/E Multiple | 9.92 | 9.34 | -5.81% |
| Shares Outstanding (Mil) | 45.30 | 44.66 | 1.41% |
| Cumulative Contribution | -1.78% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| OFG | -1.8% | |
| Market (SPY) | 12.6% | 37.5% |
| Sector (XLF) | 7.4% | 59.4% |
Fundamental Drivers
The -0.7% change in OFG stock from 12/27/2024 to 12/27/2025 was primarily driven by a -7.8% change in the company's P/E Multiple.| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 42.04 | 41.75 | -0.69% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 662.15 | 674.87 | 1.92% |
| Net Income Margin (%) | 29.36% | 29.57% | 0.71% |
| P/E Multiple | 10.13 | 9.34 | -7.77% |
| Shares Outstanding (Mil) | 46.85 | 44.66 | 4.67% |
| Cumulative Contribution | -0.91% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| OFG | -0.7% | |
| Market (SPY) | 17.0% | 60.8% |
| Sector (XLF) | 15.3% | 69.2% |
Fundamental Drivers
The 66.9% change in OFG stock from 12/28/2022 to 12/27/2025 was primarily driven by a 24.7% change in the company's Total Revenues ($ Mil).| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 25.02 | 41.75 | 66.87% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 541.28 | 674.87 | 24.68% |
| Net Income Margin (%) | 28.29% | 29.57% | 4.51% |
| P/E Multiple | 7.83 | 9.34 | 19.33% |
| Shares Outstanding (Mil) | 47.93 | 44.66 | 6.82% |
| Cumulative Contribution | 66.09% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| OFG | 15.6% | |
| Market (SPY) | 48.0% | 51.2% |
| Sector (XLF) | 51.3% | 66.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| OFG Return | -20% | 46% | 7% | 40% | 16% | 1% | 105% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| OFG Win Rate | 42% | 75% | 50% | 58% | 50% | 50% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| OFG Max Drawdown | -61% | -11% | -5% | -16% | -10% | -17% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | OFG | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -24.4% | -25.4% |
| % Gain to Breakeven | 32.3% | 34.1% |
| Time to Breakeven | 76 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -60.5% | -33.9% |
| % Gain to Breakeven | 153.3% | 51.3% |
| Time to Breakeven | 385 days | 148 days |
| 2018 Correction | ||
| % Loss | -42.8% | -19.8% |
| % Gain to Breakeven | 74.7% | 24.7% |
| Time to Breakeven | 174 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -96.1% | -56.8% |
| % Gain to Breakeven | 2458.2% | 131.3% |
| Time to Breakeven | 3,766 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
OFG Bancorp's stock fell -24.4% during the 2022 Inflation Shock from a high on 2/28/2023. A -24.4% loss requires a 32.3% gain to breakeven.
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AI Analysis | Feedback
Here are 1-2 brief analogies for OFG Bancorp:
- It's like Bank of America or Wells Fargo, but scaled for and focused on the Puerto Rico and U.S. Virgin Islands markets.
- Think of it as a full-service regional bank, similar to PNC Financial Services, but operating exclusively in Puerto Rico and the U.S. Virgin Islands.
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- Deposits: Services including checking, savings, money market, and certificates of deposit for individuals and businesses.
- Commercial Lending: Provides various loans, lines of credit, and financing options to businesses of all sizes.
- Mortgage Lending: Offers residential and commercial mortgage loans for property acquisition, construction, or refinancing.
- Consumer Lending: Extends personal loans, auto loans, and credit cards to individual customers for various needs.
- Wealth Management & Investment Services: Delivers investment advisory, brokerage, and trust services to individuals and institutional clients.
AI Analysis | Feedback
OFG Bancorp (symbol: OFG) is a diversified financial holding company operating primarily in Puerto Rico and the U.S. Virgin Islands. As a bank holding company, it serves a broad base of customers rather than having a few "major" named customers. It serves both individuals and businesses.
Given the nature of its banking and financial services, OFG Bancorp serves the following categories of customers:
- Individual Consumers: Residents of Puerto Rico and the U.S. Virgin Islands seeking personal banking products and services, including checking and savings accounts, credit cards, auto loans, personal loans, and residential mortgages.
- Small to Medium-Sized Businesses (SMBs): Local enterprises in its operating regions requiring commercial banking services such as business checking and savings accounts, commercial real estate loans, working capital lines of credit, equipment financing, and treasury management solutions.
- Corporate and Institutional Clients: Larger businesses, government agencies, and other institutional entities that require more complex financial services, larger credit facilities, and specialized wealth management or trust services.
AI Analysis | Feedback
OFG Bancorp, like most financial institutions, relies on a variety of third-party vendors for critical services. Identifying "major suppliers" in the traditional sense for a bank can be complex, as they often use numerous service providers for IT, data processing, payment networks, ATM services, and more. While specific, individually named "major suppliers" (like a manufacturing company would have for raw materials) are not typically disclosed by banks in their public filings due due to the nature of their business and often the number of such vendors, we can infer critical service providers. Based on general industry practices for banks of OFG's size and publicly available information, key operational partners include: * **Core Banking System Providers:** Companies like FIS, Fiserv, or Jack Henry & Associates provide the backbone for banking operations. * **Payment Network Processors:** Visa Inc. (V) and Mastercard Incorporated (MA) are essential for card-based transactions. * **ATM Network Providers:** Diebold Nixdorf (DBD) or NCR Voyix Corporation (V演绎) might supply ATMs and related services. * **Data Processing and IT Services:** Various tech companies provide these. However, OFG's public filings (10-K reports) generally discuss their reliance on third-party vendors in broad terms (e.g., for core processing, IT, payment systems) without specifically naming individual companies as "major suppliers" due to the proprietary nature of these relationships and the fact that a bank often uses multiple providers across different functions rather than a single dominant supplier. Therefore, specific named "major suppliers" that OFG explicitly identifies and names as such in its public disclosures are not readily available.null
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José Rafael Fernández, Chief Executive Officer and Chairman of the Board of Directors
Mr. Fernández has been the Chief Executive Officer of OFG Bancorp and Oriental Bank since 2004, and was named Chairman of the Board in 2024. He joined Oriental in 1991 and managed all of the company's core businesses until his appointment as CEO. American Banker named Mr. Fernández “Community Banker of the Year” in 2023. He also serves as Chairman of the Boards of OFG's other major subsidiaries – Oriental Financial Services and Oriental Insurance. Mr. Fernández holds a Bachelor of Science degree from the University of Notre Dame and a Master of Business Administration from the University of Michigan. He has not founded or managed other companies prior to joining Oriental that are publicly available in the provided search results, nor is there information about selling companies or a pattern of managing private equity-backed companies.
Maritza Arizmendi Díaz, Chief Financial Officer
Ms. Arizmendi Díaz is the Chief Financial Officer, responsible for corporate finance, accounting, financial and capital planning, treasury, asset liability management, information technology, and facilities management. She joined OFG in 2012 when it acquired Banco Bilbao Vizcaya Argentaria's (BBVA) Puerto Rico operations, where she had served as CFO and Treasurer of the subsidiary since 2006. Prior to that, she was Vice President of Risk Management (1998) and Senior Vice President of Financial Planning (2000) at BBVA's PR Operations. Her career in financial services began in 1990 at PricewaterhouseCoopers LLP as a Senior Auditor, and she was Vice President of Loan Review at Poncebank (acquired by BBVA in 1998). Ms. Arizmendi is a Certified Public Accountant and holds a B.S. in Accounting and a J.D. from the University of Puerto Rico. There is no information in the provided search results about her founding or managing other companies (outside of her executive roles in acquired entities), selling companies she was previously involved with to an acquirer (beyond the BBVA acquisition by OFG), or a pattern of managing companies backed by private equity firms.
Ganesh Kumar, Senior Executive Vice President and Chief Operating Officer
Mr. Kumar was appointed Senior Executive Vice President and Chief Operating Officer in 2017, overseeing all retail operations and strategic business development and expansion efforts. He joined OFG in 2004 as an Executive Vice President and was the CFO from 2012 until 2017. Prior to joining OFG, he was a director of consulting for Gartner, Inc., where he advised financial services companies. He also held positions at McKesson Corporation and Intercontinental Hotels Group, and worked as a consultant to banking and insurance clientele worldwide. Mr. Kumar holds a doctorate in management from Case Western Reserve University.
Ada García Castello, Managing Director of Customer Intelligence and Operations
Ms. García Castello is Oriental's Managing Director of Customer Intelligence and Operations. She is responsible for all retail and business banking operations, data integrity and analytics, and the execution of Oriental's strategy to improve the customer experience.
Cesar Ortiz-Marcano, Chief Risk Officer
Mr. Ortiz-Marcano serves as the Chief Risk Officer for OFG Bancorp. He is an experienced banker with a demonstrated history of working in several areas of the financial services industry, skilled in commercial credit, risk management, public companies financial accounting, credit administration, and auditing.
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OFG Bancorp (OFG) faces several key risks to its business operations.The most significant risk is **Net Interest Margin Pressure** due to changes in the interest rate environment and heightened competition. A declining interest rate environment is expected to lead to margin pressure as loan yields are likely to fall more than deposit costs, which are already low. Analysts anticipate OFG Bancorp's profit margin to contract from 31.4% to 24.7% within three years, even with revenue growth, indicating a shift in profitability dynamics. The company has already experienced a decline in its net interest margin, reflecting a willingness to accept lower profitability to maintain market position amidst intense competition in both deposit and lending markets.
Another key risk is **Credit Risk tied to the Economic Conditions in Puerto Rico**. Worsening economic activity and sharply rising home prices in Puerto Rico pose threats to loan growth and could adversely affect demand for residential mortgages. There have been reported challenges in credit quality, with the total delinquency rate for loans 30 days or more past due increasing to 4.1% from 3.71% in a recent quarter. Furthermore, Puerto Rico's economy is heavily reliant on federal disaster relief funds, and any prolonged delays in their disbursement or changes in federal policies could hinder economic recovery, leading to increased credit risk and reduced loan demand for OFG Bancorp.
Finally, **Regulatory and Compliance Risk** presents an ongoing challenge. The application of regulations like the Durbin Amendment, after OFG Bancorp crossed the $10 billion asset threshold in December 2023, has already resulted in a reduction of debit card interchange fees, impacting noninterest income. Financial institutions, including OFG Bancorp, face increasing regulatory scrutiny and ever-changing compliance requirements, which can lead to rising expenses and necessitate ongoing investments in areas like digital transformation and regulatory compliance.
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The proliferation and increasing market share of digital-only banks (neobanks) and specialized fintech platforms that offer superior digital experiences, lower fees, and streamlined services across various banking functions (deposits, lending, payments). These competitors can operate without the overhead of physical branches and are not geographically constrained, directly challenging OFG's traditional branch-based model and customer acquisition in its core markets.
The growing trend of "embedded finance," where non-financial companies (e.g., retailers, tech giants) integrate financial products and services directly into their core offerings. This allows them to capture customer relationships and transaction volumes that would traditionally go through banks, effectively turning non-financial entities into direct competitors for specific banking services and disintermediating traditional banks like OFG.
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OFG Bancorp, a financial holding company, primarily operates in Puerto Rico and the U.S. Virgin Islands, offering a diversified suite of retail and commercial banking, lending, and wealth management products and services. While detailed addressable market sizes are available for Puerto Rico, specific market sizes for the U.S. Virgin Islands are not readily quantifiable from the provided information.Puerto Rico
- Overall Banking and Lending Market: As of December 2019, the total loan and lease balances in Puerto Rico's commercial banking sector reached approximately $45.5 billion. Total deposits in Puerto Rico's commercial banks by individuals and businesses were approximately $79.55 billion in December 2023.
- Mortgage Lending: Mortgage originations in Puerto Rico were approximately $1.9 billion in 2023. The mortgage portfolio represents 25% of the total lending business for the banking industry in Puerto Rico. The Puerto Rico Home Mortgage Finance Market is projected to experience a compound annual growth rate (CAGR) greater than 1.5% through 2030-2032.
- Commercial Lending: The local banking sector holds an estimated 95% market share in the commercial lending business. Commercial (Commercial Real Estate and Commercial & Industrial) loan balances significantly contributed to the overall loan portfolio increase in 2024. The commercial loans portfolio is the second largest component of total loans and lease balances in Puerto Rico.
- Auto Lending: As of December 2019, auto financing companies, local credit unions, and federal credit unions collectively held approximately $2.393 billion in auto loan balances, representing 14% of the total auto loan volumes in Puerto Rico. This implies an estimated total auto loan market of approximately $17.1 billion in Puerto Rico. Auto loan balances also saw a 6.8% increase in 2024.
- Wealth Management (Securities Brokerage): The Securities Brokers financial sector in Puerto Rico accumulated approximately $859 million in assets as of December 2019.
U.S. Virgin Islands
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OFG Bancorp (OFG) is expected to drive future revenue growth over the next two to three years through several key initiatives and prevailing market conditions:
- Continued Growth in Commercial Loans: OFG Bancorp has consistently emphasized and demonstrated growth in its commercial lending portfolio. The company anticipates annual loan growth in the range of 5% to 6%, with commercial loans being a strategic focus. This organic expansion of lending activities, alongside auto and consumer loan segments, is expected to be a significant contributor to interest income.
- Expansion of Mortgage Servicing Operations: A strategic acquisition in late August 2024 of a $1.7 billion Puerto Rico residential mortgage servicing portfolio is poised to increase the company's fee income. This move is anticipated to generate additional mortgage banking fees and expand OFG Bancorp's operational footprint and service offerings.
- Digital Transformation, Customer Acquisition, and AI Integration: OFG Bancorp's "Digital First" strategy is a core driver, aiming to enhance customer engagement and operational efficiency. Initiatives include the launch of an Omnichannel online and mobile app, "Smart Banking" insights, and integration with Apple Pay. The introduction of new product lines like Libre and Elite accounts has successfully attracted new deposits and customers, with digital enrollment and new customer growth steadily increasing. Furthermore, investments in AI-driven predictive customer insights are designed to improve customer experience and operational efficiency, with plans to extend these AI tools to commercial clients between 2026 and 2027 to help them manage and grow their operations more effectively.
- Favorable Economic Environment in Puerto Rico: The company continues to benefit from a stable and strong economic environment in Puerto Rico. Management consistently points to high levels of business activity and employment, alongside new investments in manufacturing and a surge in tourism, as supportive factors for overall business and lending growth. This positive economic backdrop provides a conducive environment for OFG Bancorp to execute its growth strategies.
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Share Repurchases
- On April 30, 2025, OFG Bancorp's Board of Directors approved a new $100 million open-ended stock repurchase authorization plan, which is in addition to a previously authorized plan.
- On January 31, 2024, the Board approved a new $50 million stock repurchase authorization plan, replacing a prior authorization that had $17.2 million remaining.
- The company repurchased 477,600 common shares for $20.4 million in the third quarter of 2025 and $45.9 million of common shares in the fourth quarter of 2024.
Outbound Investments
- In December 2019, OFG acquired the Puerto Rico and U.S. Virgin Islands operations of The Bank of Nova Scotia (Scotiabank) for $550 million in cash and a $10 million deposit premium for the USVI branch operation.
- OFG Bancorp made investments in fintech-focused funds through its OFG Ventures, contributing to "Other Income" in Q3 2025.
- In Q2 2025, OFG Bancorp launched the Oriental Marketplace and a U.S. government money market fund.
Capital Expenditures
- Strategic technology investments amounted to $2.9 million for the quarter ending June 30, 2025, with funds allocated to digital transformation, data analytics, cloud migration, and cybersecurity.
- In Q3 2025, OFG Bancorp reported strategic investments of $1.1 million in technology, people, and process improvement.
- The "Digital First" initiative, launched in 2021-2022, involves significant investments in technology and staff training to improve operational efficiency and customer interaction.
Latest Trefis Analyses
| Title | Topic | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can OFG Bancorp Stock Really Go? | Return | |
| OFG Dip Buy Analysis | ||
| Time To Buy OFG Bancorp Stock? | Buy or Fear | |
| OFG Bancorp (OFG) Operating Cash Flow Comparison | Financials | |
| OFG Bancorp (OFG) Net Income Comparison | Financials |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
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| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
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| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for OFG Bancorp
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 59.95 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.2% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Banking | 591 | 532 | 493 | 492 | 349 |
| Treasury | 65 | 49 | 12 | 8 | 30 |
| Wealth Management | 32 | 34 | 36 | 32 | 27 |
| Eliminations | 0 | 0 | |||
| Total | 689 | 614 | 541 | 533 | 405 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Banking | 105 | 109 | 125 | 66 | 27 |
| Treasury | 61 | 45 | 8 | 2 | 21 |
| Wealth Management | 16 | 13 | 13 | 6 | 6 |
| Eliminations | 0 | 0 | |||
| Total | 182 | 166 | 146 | 74 | 54 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Banking | 9,154 | 8,348 | 8,042 | 8,478 | 7,486 |
| Treasury | 3,304 | 2,433 | 2,895 | 2,436 | 2,865 |
| Wealth Management | 38 | 23 | 32 | 33 | 33 |
| Eliminations | -1,152 | -985 | -1,069 | -1,121 | -1,087 |
| Total | 11,344 | 9,819 | 9,900 | 9,826 | 9,298 |
Price Behavior
| Market Price | $41.75 | |
| Market Cap ($ Bil) | 1.9 | |
| First Trading Date | 03/28/1990 | |
| Distance from 52W High | -7.5% | |
| 50 Days | 200 Days | |
| DMA Price | $40.55 | $41.25 |
| DMA Trend | indeterminate | down |
| Distance from DMA | 3.0% | 1.2% |
| 3M | 1YR | |
| Volatility | 25.9% | 26.8% |
| Downside Capture | 80.02 | 97.71 |
| Upside Capture | 34.38 | 81.76 |
| Correlation (SPY) | 30.8% | 60.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.25 | 0.80 | 0.79 | 0.99 | 0.87 | 0.96 |
| Up Beta | -0.43 | 0.51 | 0.80 | 1.33 | 0.69 | 0.91 |
| Down Beta | -0.21 | 0.75 | 0.81 | 0.95 | 0.96 | 0.92 |
| Up Capture | 78% | 44% | 31% | 63% | 79% | 91% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 11 | 21 | 30 | 61 | 120 | 370 |
| Down Capture | 32% | 122% | 115% | 113% | 106% | 101% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 9 | 21 | 32 | 62 | 126 | 372 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of OFG With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| OFG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 2.6% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 26.7% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.07 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 69.2% | 60.9% | 1.0% | 18.0% | 52.7% | 22.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of OFG With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| OFG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 21.7% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 31.6% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.67 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 67.7% | 49.5% | -0.4% | 15.4% | 43.9% | 20.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of OFG With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| OFG | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 23.2% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 41.0% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.65 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 65.2% | 49.3% | -7.0% | 22.4% | 44.3% | 11.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2025 | -6.1% | -6.9% | -5.8% |
| 7/17/2025 | 3.3% | 1.1% | -1.3% |
| 4/23/2025 | 1.2% | 9.4% | 14.9% |
| 1/22/2025 | -1.4% | -3.4% | -6.7% |
| 10/16/2024 | -7.8% | -10.6% | -0.6% |
| 7/18/2024 | -0.1% | 5.4% | -1.4% |
| 4/18/2024 | 0.2% | 10.8% | 13.6% |
| 1/24/2024 | 1.4% | 7.2% | -1.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 13 | 12 |
| # Negative | 14 | 11 | 12 |
| Median Positive | 2.4% | 5.8% | 9.4% |
| Median Negative | -3.0% | -6.9% | -3.1% |
| Max Positive | 8.3% | 10.8% | 14.9% |
| Max Negative | -7.8% | -14.0% | -15.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11072025 | 10-Q 9/30/2025 |
| 6302025 | 8072025 | 10-Q 6/30/2025 |
| 3312025 | 5082025 | 10-Q 3/31/2025 |
| 12312024 | 2272025 | 10-K 12/31/2024 |
| 9302024 | 11062024 | 10-Q 9/30/2024 |
| 6302024 | 8072024 | 10-Q 6/30/2024 |
| 3312024 | 5082024 | 10-Q 3/31/2024 |
| 12312023 | 2262024 | 10-K 12/31/2023 |
| 9302023 | 11062023 | 10-Q 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 5052023 | 10-Q 3/31/2023 |
| 12312022 | 2242023 | 10-K 12/31/2022 |
| 9302022 | 11042022 | 10-Q 9/30/2022 |
| 6302022 | 8052022 | 10-Q 6/30/2022 |
| 3312022 | 5062022 | 10-Q 3/31/2022 |
| 12312021 | 2252022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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