OFG logo

OFG BANCORP

OFGNYSE
πŸ† #1936 by market capEarnings Oct 21US Equity
$50.54β–Ό $0.60 (βˆ’1.19%)
Market closed Β· at close
πŸ””
Track OFG
Get earnings, price moves & breaking news on Telegram
Track
24hβ–Ό 1.2%
7dβ–Ό 2.0%
14dβ–Ό 3.6%
30dβ–Ό 3.0%
ytdβ–² 23.4%
1yβ–² 16.0%
🏦Market Cap
$2.14B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+28.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
21.9%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$50.14 – $50.94
52-Week Range
$35.71 – $54.47
Volume
$6.10B
Avg Volume
$6.92B
Shares Outstanding
42.3M
Next Earnings
Nov 3, 2026

Fundamentals Snapshot

Annual Revenue
$863M
Last Q Revenue
$231M
P/E Ratio
9.9
P/S Ratio
2.3x
EPS (TTM)
$5.08
Dividend Yield
2.52%
Dilution (1yr)
+2.4%

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.

OFG logo

OFG BANCORP

OFG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$863Mβ–² +4.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
71.2%β–² +1.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$266Mβ–² +4.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$199Mβ–Ό βˆ’5.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
47.4Mβ–² +2.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$460Mβ–² +$291M YoY
StockOtter Β· stockotter.space

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.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$58.42
β–² +15.6% Upside
High Target$68.21
Low Target$54.61
Based on 32 analysts

Latest News & Updates