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High Profitability with a Net Interest Margin of 8.61%
The Bank has a high Capital Adequacy Ratio of 28.88% signifying high buffers against its risk based assets
Healthy long term growth as Net profit has grown by an annual rate of 27.96%
Flat results in Jun 25
With ROA of 1.02%, it has a fair valuation with a 1.77 Price to Book Value
Below par performance in long term as well as near term
Total Returns (Price + Dividend) 
OFG Bancorp for the last several years.
Risk Adjusted Returns v/s 
News
Is OFG Bancorp overvalued or undervalued?
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. 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....
Read full news articleIs OFG Bancorp overvalued or undervalued?
As of 21 November 2025, the valuation grade for OFG Bancorp has moved from attractive to very attractive, indicating a positive shift in its perceived value. The company appears undervalued, supported by 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 ratio of 13.92, while Fulton Financial Corp. also shows a very attractive valuation with a P/E of 13.49. Despite recent underperformance, with a year-to-date return of -5.98% compared to the S&P 500's 12.26%, OFG Bancorp's long-term performance remains strong, evidenced by a 5-year return of 138.12% against the S&P 500's 85.61%. This suggests that while the stock may be currently undervalued, it has the potential for significant appreciation moving forward....
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Shareholding Snapshot : Sep 2025
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Domestic Funds
Held in 84 Schemes (55.09%)
Held by 114 Foreign Institutions (7.88%)






