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OFG Bancorp OFG

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Price alert · OFG

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51.06 USD +1.05 +2.10%

As of Nov 2, 3:16 PM ET

Bid
51.02 × 100
Ask
51.29 × 200
50.68 Day range 51.41
35.71 52-week range 54.47
YTD
+24.60%
1 year
+32.07%
Open
50.49
Prev close
50.01
Mkt cap
2.14B
Vol
115.29K
Avg vol
270.14K
EPS
5.24
P/E
9.74
Div yield
2.75%
More statistics
Low
50.68
High
51.41
Forward P/E
9.60
Beta
0.74
Short ratio
7.45
Inst. own
99.96%
Dividend
1.40
Ex-div date
Sep 29, 2026
Earnings
Jan 28, 2027
50-d avg
51.75
200-d avg
46.73
1y target
56.75

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Financial health

Altman Z-Score

-0.30 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 9.0×
FY 2016: 12.7×FY 2017: 10.7×FY 2018: 10.4×FY 2019: 25.4×FY 2020: 14.0×FY 2021: 9.3×FY 2022: 8.0×FY 2023: 9.7×FY 2024: 10.0×FY 2025: 9.0×
FY 2016 5y median 9.3× FY 2025
P/S 2.2×
FY 2016: 1.5×FY 2017: 1.1×FY 2018: 1.9×FY 2019: 2.8×FY 2020: 1.8×FY 2021: 2.5×FY 2022: 2.2×FY 2023: 2.4×FY 2024: 2.4×FY 2025: 2.2×
FY 2016 5y median 2.4× FY 2025
P/B 1.4×
FY 2016: 0.6×FY 2017: 0.4×FY 2018: 0.7×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.5×FY 2024: 1.6×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/FCF 9.6×
FY 2016: 7.9×FY 2017: 2.8×FY 2018: 6.1×FY 2019: 12.5×FY 2020: 48.3×FY 2021: 17.6×FY 2022: 9.9×FY 2023: 6.4×FY 2024: 9.4×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
EV/EBITDA 5.0×
FY 2016: 8.9×FY 2017: 3.2×FY 2018: 6.1×FY 2019: 8.3×FY 2020: -9.0×FY 2021: -2.4×FY 2022: 3.1×FY 2023: 4.3×FY 2024: 6.4×FY 2025: 5.0×
FY 2016 5y median 4.3× FY 2025
EV/Sales 1.7×
FY 2016: 2.2×FY 2017: 0.7×FY 2018: 2.2×FY 2019: 1.6×FY 2020: -2.0×FY 2021: -1.1×FY 2022: 1.4×FY 2023: 1.7×FY 2024: 2.2×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
FCF Yield 10.4%
FY 2016: 12.7%FY 2017: 35.1%FY 2018: 16.3%FY 2019: 8.0%FY 2020: 2.1%FY 2021: 5.7%FY 2022: 10.1%FY 2023: 15.7%FY 2024: 10.7%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025

Profitability

Gross Margin 71.2%
FY 2016: 68.3%FY 2017: 60.1%FY 2018: 74.9%FY 2019: 65.6%FY 2020: 70.9%FY 2021: 92.2%FY 2022: 90.4%FY 2023: 79.6%FY 2024: 70.3%FY 2025: 71.2%
FY 2016 5y median 79.6% FY 2025
Operating Margin 30.8%
FY 2016: 22.1%FY 2017: 17.6%FY 2018: 33.1%FY 2019: 17.5%FY 2020: 17.5%FY 2021: 39.8%FY 2022: 40.8%FY 2023: 36.4%FY 2024: 30.8%FY 2025: 30.8%
FY 2016 5y median 36.4% FY 2025
Net Margin 23.8%
FY 2016: 15.3%FY 2017: 13.6%FY 2018: 21.1%FY 2019: 12.5%FY 2020: 13.7%FY 2021: 27.1%FY 2022: 27.8%FY 2023: 25.0%FY 2024: 24.1%FY 2025: 23.8%
FY 2016 5y median 25.0% FY 2025
ROE 14.8%
FY 2016: 6.4%FY 2017: 5.6%FY 2018: 8.4%FY 2019: 5.1%FY 2020: 6.8%FY 2021: 13.7%FY 2022: 15.9%FY 2023: 15.2%FY 2024: 15.8%FY 2025: 14.8%
FY 2016 5y median 15.2% FY 2025
ROIC 11.8%
FY 2016: 3.4%FY 2017: 4.0%FY 2018: 5.3%FY 2019: 3.8%FY 2020: 5.9%FY 2021: 12.2%FY 2022: 14.8%FY 2023: 11.5%FY 2024: 10.5%FY 2025: 11.8%
FY 2016 5y median 11.8% FY 2025
ROA 1.6%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.3%FY 2019: 0.6%FY 2020: 0.8%FY 2021: 1.5%FY 2022: 1.7%FY 2023: 1.6%FY 2024: 1.7%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 4.8%
FY 2016: -0.1%FY 2017: 0.5%FY 2018: 3.4%FY 2019: 7.2%FY 2020: 25.9%FY 2021: -0.4%FY 2022: 11.0%FY 2023: 21.7%FY 2024: 13.0%FY 2025: 4.8%
FY 2016 FY 2025
Operating Income 4.8%
FY 2016: 524.7%FY 2017: -20.1%FY 2018: 95.0%FY 2019: -43.3%FY 2020: 26.0%FY 2021: 126.3%FY 2022: 13.7%FY 2023: 8.7%FY 2024: -4.3%FY 2025: 4.8%
FY 2016 FY 2025
EPS (diluted) 6.1%
FY 2016: 378.4%FY 2017: -16.5%FY 2018: 76.7%FY 2019: -39.5%FY 2020: 43.5%FY 2021: 112.9%FY 2022: 22.4%FY 2023: 11.0%FY 2024: 10.7%FY 2025: 6.1%
FY 2016 FY 2025
Free Cash Flow -5.4%
FY 2016: -20.2%FY 2017: 98.0%FY 2018: -15.9%FY 2019: -20.7%FY 2020: -79.6%FY 2021: 290.9%FY 2022: 73.3%FY 2023: 108.2%FY 2024: -24.1%FY 2025: -5.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 0.9×FY 2017: 0.3×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -1.6×
FY 2016: 2.9×FY 2017: -2.0×FY 2018: 0.8×FY 2019: -6.0×FY 2020: -17.0×FY 2021: -8.1×FY 2022: -1.8×FY 2023: -1.8×FY 2024: -0.6×FY 2025: -1.6×
FY 2016 5y median -1.8× FY 2025
Interest Coverage 1.5×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 3.0×FY 2019: 1.5×FY 2020: 1.5×FY 2021: 5.1×FY 2022: 7.3×FY 2023: 3.0×FY 2024: 1.6×FY 2025: 1.5×
FY 2016 5y median 3.0× FY 2025

Dividends

Dividend Yield 2.7%
FY 2016: 4.2%FY 2017: 5.9%FY 2018: 3.3%FY 2019: 1.7%FY 2020: 2.2%FY 2021: 1.5%FY 2022: 2.3%FY 2023: 2.3%FY 2024: 2.3%FY 2025: 2.7%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 25.3%
FY 2016: 40.6%FY 2017: 46.4%FY 2018: 29.4%FY 2019: 38.8%FY 2020: 28.1%FY 2021: 14.4%FY 2022: 18.1%FY 2023: 22.5%FY 2024: 23.0%FY 2025: 25.3%
FY 2016 5y median 22.5% FY 2025

Annual · latest fiscal year ends 2025-12-31