OFG Bancorp (OFG) is a Financials stock trading at $51.75 (as of 2026-08-20), with a market capitalization of $2.19B and a trailing P/E of 9.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
OFG Bancorp provides banking and financial services, including checking and savings, time deposits, lending (commercial, consumer, auto, and mortgage), and wealth and trust services, and it earns money through banking and wealth management revenues and related financial activity.
Bank profits are driven by how much they earn on loans (Loan Yield) versus what they pay for core deposits (Core Deposit Costs), then reduced or supported by credit performance (Net Charge-Off Rate) and the level of reserves (Allowance Coverage).
Business quality (Solid): Solid operating profitability is indicated by an operating margin of 35.4%, and the company also discloses several operating drivers (credit metrics and digital adoption). However, the provided facts do not include a complete official segment revenue breakdown, and gross margin is not given.
Valuation: At 10× earnings, OFG trades 20% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $51.75 |
| Market Cap | $2.19B |
| P/E Ratio | 9.9 |
| EV / EBITDA | 5.3 |
| Price / Book | 1.55 |
| Price / Sales | 2.77 |
| FCF Yield | 9.3% |
| DCF Value (model) | $103.90 |
| DCF Upside vs Price | 100.8% |
| Revenue (TTM) | $780.94M |
| Net Margin | 26.3% |
| Revenue Growth (YoY) | 1.4% |
| EPS Growth (YoY) | 20.9% |
| FCF Growth (YoY) | 41.8% |
| Stock P/E | 9.9 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -34.5% |
| vs Industry | -23.2% |
| Top Institutional Holder | BlackRock, Inc. ($251.36M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Maritza Arizmendi Diaz |
| Employees | 2,223 |
| Country | US |
| IPO Date | 1987-03-26 |
Data as of 2026-08-20.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.