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OFG Bancorp

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: PR67103X1020
USD
39.53
0.79 (2.04%)

Mar 23

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

39.1840.62

52 Week

33.1546.11
Valuation
Technical
Day's Volume

CASH

399.2 k

Shareholding (Dec 2025)

FII

7.78%

Held by 112 FIIs

DII

35.61%

Held by 63 DIIs

Promoter

0.03%

How big is OFG Bancorp?

22-Jun-2025

As of Jun 18, OFG Bancorp has a market capitalization of $2.21 billion, with total assets of $11.65 billion and shareholder's funds of $1.25 billion.

As of Jun 18, OFG Bancorp has a market capitalization of 2,214.22 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 756.07 million, while the net profit for the same period is 194.05 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds of 1,254.37 million and total assets amounting to 11,645.65 million.

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What does OFG Bancorp do?

22-Jun-2025

OFG Bancorp is a financial holding company providing banking and financial services, with a recent net sales of $189 million and a net profit of $46 million. It has a market cap of $2.21 billion and key metrics include a P/E ratio of 12.00 and a dividend yield of 2.23%.

Overview:<BR>OFG Bancorp is a financial holding company engaged in providing banking and financial services within the Major Banks industry.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 189 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 46 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 2,214.22 Million (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 12.00 <BR>Dividend Yield: 2.23% <BR>Debt Equity: 0.00 <BR>Return on Equity: 14.98% <BR>Price to Book: 1.71<BR><BR>Contact Details:<BR>Address: 254 Munoz Rivera Avenue, SAN JUAN None: 00918 <BR>Tel: ['1 787 7716800', '1 212 5323232'] <BR>Website: http://www.ofgbancorp.com/

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Who are in the management team of OFG Bancorp?

22-Jun-2025

As of March 2022, the management team of OFG Bancorp includes Mr. Julian Inclan (Independent Chairman), Mr. Jose Fernandez (Vice Chairman, President, and CEO), and several Independent Directors: Mr. Juan Aguayo, Mr. Jorge Colon-Gerena, Mr. Nestor De Jesus, Ms. Susan Harnett, and Mr. Pedro Morazzani.

As of March 2022, the management team of OFG Bancorp includes the following individuals:<BR><BR>- Mr. Julian Inclan, who serves as the Independent Chairman of the Board.<BR>- Mr. Jose Fernandez, who holds the positions of Vice Chairman of the Board, President, and Chief Executive Officer.<BR>- Mr. Juan Aguayo, serving as an Independent Director.<BR>- Mr. Jorge Colon-Gerena, also an Independent Director.<BR>- Mr. Nestor De Jesus, who is an Independent Director.<BR>- Ms. Susan Harnett, serving as an Independent Director.<BR>- Mr. Pedro Morazzani, who is an Independent Director.<BR><BR>This team comprises a mix of leadership roles and independent directors, contributing to the governance of the company.

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Is OFG Bancorp technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, OFG Bancorp's technical trend is mildly bearish, indicated by bearish MACD and Bollinger Bands on weekly and monthly charts, despite a mildly bullish daily moving average, with a year-to-date return of -6.36% compared to the S&P 500's 15.47%.

As of 24 October 2025, the technical trend for OFG Bancorp has changed from sideways to mildly bearish. The weekly and monthly MACD indicators are both mildly bearish, and Bollinger Bands also reflect a bearish stance in both time frames. Moving averages show a mildly bullish signal on the daily chart, but this is overshadowed by the overall bearish indicators from the weekly and monthly perspectives, including KST and Dow Theory, which are both mildly bearish. The stock has underperformed compared to the S&P 500 across multiple periods, with a year-to-date return of -6.36% versus the S&P 500's 15.47%. Overall, the technical stance is mildly bearish.

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Is OFG Bancorp overvalued or undervalued?

25-Nov-2025

As of November 21, 2025, OFG Bancorp is considered very attractive due to its undervalued metrics, including a P/E ratio of 12 and strong long-term performance, despite a year-to-date return of -7.18%.

As of 21 November 2025, the valuation grade for OFG Bancorp has moved from attractive to very attractive, indicating a positive shift in its valuation outlook. The company appears undervalued, with a P/E ratio of 12, a Price to Book Value of 1.77, and an EV to EBITDA of 7.42. In comparison to peers, Axos Financial, Inc. has a higher P/E of 13.92, while Fulton Financial Corp. shows a similar valuation grade with a P/E of 13.49.<BR><BR>Despite recent challenges, including a year-to-date return of -7.18% compared to the S&P 500's 12.26%, OFG Bancorp has demonstrated strong long-term performance with a 5-year return of 115.47%, outpacing the S&P 500's 85.61%. This combination of strong valuation metrics and favorable long-term returns supports the conclusion that OFG Bancorp is currently undervalued.

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Compare OFG Bancorp with Similar Stocks

NBT Bancorp, Inc.Park National Corp.First Merchants Corp. (Indiana)
iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

High Profitability with a Net Interest Margin of 8.61%

 
2

The Bank has a high Capital Adequacy Ratio of 28.88% signifying high buffers against its risk based assets

 
3

Healthy long term growth as Net profit has grown by an annual rate of 27.96%

 
4

Flat results in Jun 25

5

With ROA of 1.02%, it has a fair valuation with a 1.77 Price to Book Value

6

Below par performance in long term as well as near term

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 2,081 Million (Small Cap)

stock-summary
P/E

10.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

2.72%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

14.76%

stock-summary
Price to Book

1.50

Revenue and Profits:
Net Sales:
197 Million
(Quarterly Results - Dec 2025)
Net Profit:
56 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-6.1%
0%
-6.1%
6 Months
-10.79%
0%
-10.79%
1 Year
-1.64%
0%
-1.64%
2 Years
10.73%
0%
10.73%
3 Years
58.12%
0%
58.12%
4 Years
48.89%
0%
48.89%
5 Years
87.61%
0%
87.61%

OFG Bancorp for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
10.53%
EBIT Growth (5y)
9.82%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.20%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0

Valuation key factors

Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.50
EV to EBIT
7.36
EV to EBITDA
6.76
EV to Capital Employed
1.78
EV to Sales
2.03
PEG Ratio
1.26
Dividend Yield
2.72%
ROCE (Latest)
24.12%
ROE (Latest)
14.76%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 84 Schemes (56.4%)

Foreign Institutions

Held by 112 Foreign Institutions (7.78%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About OFG Bancorp stock-summary
stock-summary
OFG Bancorp
Major Banks
OFG Bancorp is a financial holding company. The Company is engaged in providing banking and financial services through its subsidiaries. The Company operates through three segments: Banking, Wealth Management and Treasury. The Company provides banking and financial services to its clients through a range of banking and financial solutions, including commercial, consumer, auto, and mortgage lending; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage, and corporate and individual trust and retirement services. The Company provides these services through various subsidiaries, including a commercial bank, Oriental Bank; a securities broker-dealer, Oriental Financial Services Corp. (Oriental Financial Services); an insurance agency, Oriental Insurance, LLC (Oriental Insurance), and a retirement plan administrator, Oriental Pension Consultants, Inc. (OPC).
Company Coordinates stock-summary
Company Details
254 Munoz Rivera Avenue , SAN JUAN None : 00918
stock-summary
Tel: 1 787 77168001 212 5323232
stock-summary
http://www.ofgbancorp.com/
stock-summary
Registrar Details
Stock List
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