Skip to content
Company Analysis

OFG Bancorp OFG

A comprehensive view of key metrics, scores, and financial health for OFG Bancorp

Overview of OFG Bancorp

OFG NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
OFG Bancorp (OFG), is a Mid Cap company, in the Banks - Regional industry, last closed at $52.90, about 37.7% overvalued vs fair value, +24.7% 1Y return, ranked 440/1078 in sector.
Metrics P/E 8.9× Rev Growth 2.9% ROE 15.5% Gross Margin 90.3% Div Yield 2.88%
USD 52.90
5.80%
(Delayed)
• Vol 90d: 23.3%
52-Week Range
Market Cap
$2.10B
Enterprise Value
$1.94B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.ofgbancorp.com/Ove...
HQ San Juan, PR
Employees 2,185
Fiscal year Dec 31

Next Events

Dividend Jul 15 Ex-div: Jun 30

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $52.90 -38% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$780.9M
4.1%%
Interest Expense
$172.5M
Net Interest Income
$608.5M
3.4%%
Total Revenue
$680.2M
2.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.8%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating OFG Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Strong
80
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing OFG's balance between Growth (24.7%), Profitability (43.8%), and Safety (31.5%). Growth 25% Safety 32% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

47th percentile vs peers
48
Key Signals
Asset Growth YoY 8.4% 70p Equity Growth YoY 10.8% 57p NII Growth YoY 3.4% 27p EPS Growth YoY 8.5% 35p
Strengths
  • Net Interest Margin in top 20% of peers (5.1%, 92th percentile)
  • ROTE in top 20% of peers (18.7%, 86th percentile)
  • ROE in top 20% of peers (15.5%, 87th percentile)
  • ROA in top 20% of peers (1.7%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

61th percentile vs peers
61
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for OFG Bancorp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$32.94
- - -
-37.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000