OFG
OFG Bancorp
Price Chart
Latest Quote
$47.26
+0.04 (+0.08%)
Current Price
| Previous Close | $47.22 |
| Open | $46.96 |
| Day High | $47.26 |
| Day Low | $47.26 |
| Volume | 1,760 |
Stock Information
| Quarterly Dividend / Yield | $1.30 / 2.75% |
| Shares Outstanding | 42.26M |
| Quarterly Dividend Yield | 2.75% |
| Quarterly Dividend | $1.30 |
| Total Debt | $578.76M |
| Cash Equivalents | $636.52M |
| Revenue | $634.53M |
| Net Income | $213.47M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $2.00B |
| P/E Ratio | 9.76 |
| EPS (TTM) | $4.84 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.94B |
| Sales | $634.53M |
| Income | $213.47M |
| Book/sh | $32.35 |
| Cash/sh | $15.06 |
| Employees | 2K |
Financial Ratios
| EPS Growth TTM | 18.40% |
Returns & Margins
| ROA | 1.80% |
| ROE | 16.04% |
| Operating Margin | 43.76% |
| Profit Margin | 33.64% |
Ownership
| Insider Ownership | 1.12% |
| Institutional Ownership | 98.29% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.05 |
| PEG | 0.92 |
| P/S | 3.15 |
| P/B | 1.46 |
Analyst Data
| Recommendation | buy |
| Target Price | $47.75 |
Technical Indicators
| SMA20 | $46.42 |
| SMA50 | $45.38 |
| SMA200 | $41.96 |
| RSI | 62.72 |
| ATR | 0.9568 |
| Shares Float | 41.79M |
| Short Float | 4.52% |
| Short Ratio | 5.26 |
| Volatility | 0.73 |
| Rel Volume | 0.00 |
Performance History
| Week | -0.77% |
| Month | +4.55% |
| Quarter | +20.60% |
| 6 Months | +11.05% |
| YTD | +16.22% |
| Year | +17.78% |
| 3 Years | +87.91% |
| 5 Years | +123.16% |
| 10 Years | +568.40% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $47.26 | 1,760 |
| 2026-06-22 | $47.19 | 625,200 |
| 2026-06-18 | $46.66 | 1,335,500 |
| 2026-06-17 | $46.55 | 598,500 |
| 2026-06-16 | $47.74 | 424,500 |
| 2026-06-15 | $47.62 | 324,400 |
| 2026-06-12 | $48.06 | 277,800 |
| 2026-06-11 | $47.38 | 403,600 |
| 2026-06-10 | $46.83 | 269,700 |
| 2026-06-09 | $46.74 | 239,000 |
| 2026-06-08 | $46.43 | 209,000 |
| 2026-06-05 | $46.27 | 202,300 |
| 2026-06-04 | $45.96 | 266,500 |
| 2026-06-03 | $44.73 | 438,600 |
| 2026-06-02 | $45.57 | 182,100 |
| 2026-06-01 | $44.73 | 520,100 |
| 2026-05-29 | $45.56 | 195,800 |
| 2026-05-28 | $45.83 | 314,700 |
| 2026-05-27 | $45.59 | 343,900 |
| 2026-05-26 | $45.70 | 216,800 |
About OFG Bancorp
OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; 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 was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $680,221,000 | $660,938,000 | $640,141,000 | $565,013,000 |
| Operating Revenue | $680,221,000 | $660,938,000 | $640,141,000 | $565,013,000 |
| Expenses | ||||
| Interest Expense | $172,469,000 | $161,837,000 | $88,010,000 | $33,493,000 |
| Selling And Marketing Expense | $11,416,000 | $9,714,000 | $8,743,000 | $8,240,000 |
| General And Administrative Expense | $175,155,000 | $168,812,000 | $167,673,000 | $152,828,000 |
| Professional Expense And Contract Services Expense | $23,705,000 | $18,876,000 | $18,764,000 | $24,842,000 |
| Other Non Interest Expense | $63,534,000 | $65,014,000 | $59,840,000 | $59,613,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Interest Income | $608,467,000 | $588,440,000 | $560,870,000 | $482,080,000 |
| Interest Income | $780,936,000 | $750,277,000 | $648,880,000 | $515,573,000 |
| Normalized Income | $209,483,500 | $200,825,304 | $181,872,000 | $166,210,398 |
| Net Income From Continuing And Discontinued Operation | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Income Common Stockholders | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Income | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Income Including Noncontrolling Interests | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Income Continuous Operations | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Pretax Income | $234,117,000 | $253,748,000 | $265,248,000 | $244,105,000 |
| Special Income Charges | $-5,000,000 | $-3,400,000 | $-3,200,000 | $42,000 |
| Per Share | ||||
| Diluted EPS | $4.58 | $4.23 | $3.83 | $3.44 |
| Basic EPS | $4.60 | $4.25 | $3.85 | $3.46 |
| Other | ||||
| Tax Effect Of Unusual Items | $-619,500 | $-744,696 | $0 | $13,398 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-5,000,000 | $-3,400,000 | $-3,200,000 | $42,000 |
| Total Unusual Items Excluding Goodwill | $-5,000,000 | $-3,400,000 | $-3,200,000 | $42,000 |
| Reconciled Depreciation | $25,386,000 | $26,787,000 | $27,286,000 | $24,312,000 |
| Diluted Average Shares | $44,760,000 | $46,902,000 | $47,552,000 | $48,436,000 |
| Basic Average Shares | $44,552,000 | $46,637,000 | $47,258,000 | $48,033,000 |
| Diluted NI Availto Com Stockholders | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Tax Provision | $29,014,000 | $55,578,000 | $83,376,000 | $77,866,000 |
| Other Special Charges | $-1,100,000 | - | - | $1,574,000 |
| Impairment Of Capital Assets | $6,100,000 | - | - | - |
| Selling General And Administration | $186,571,000 | $178,526,000 | $176,416,000 | $161,068,000 |
| Insurance And Claims | $11,375,000 | $11,252,000 | $10,494,000 | $9,898,000 |
| Salaries And Wages | $163,780,000 | $157,560,000 | $157,179,000 | $142,930,000 |
| Occupancy And Equipment | $59,781,000 | $59,123,000 | $59,235,000 | $51,308,000 |
| Restructuring And Mergern Acquisition | - | $3,400,000 | $3,200,000 | $0 |
| Gain On Sale Of Security | - | $-7,000 | $-1,149,000 | $-247,000 |
| Preferred Stock Dividends | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,229,577,000 | $1,084,913,000 | $1,039,025,000 | $879,651,000 |
| Total Assets | $12,465,657,000 | $11,500,734,000 | $11,344,453,000 | $9,818,780,000 |
| Goodwill And Other Intangible Assets | $160,428,000 | $169,458,000 | $154,455,000 | $162,755,000 |
| Other Intangible Assets | $76,187,000 | $85,217,000 | $70,214,000 | $78,514,000 |
| Prepaid Assets | $20,463,000 | $72,093,000 | $63,040,000 | $54,875,000 |
| Cash And Cash Equivalents | $1,040,335,000 | $591,137,000 | $748,173,000 | $550,307,000 |
| Cash Equivalents | $4,261,000 | $6,670,000 | $4,623,000 | $4,161,000 |
| Cash Financial | $1,036,074,000 | $584,467,000 | $743,550,000 | $546,146,000 |
| Cash Cash Equivalents And Federal Funds Sold | $1,040,335,000 | $591,137,000 | $748,173,000 | $550,464,000 |
| Receivables | - | $71,667,000 | $71,400,000 | $62,402,000 |
| Accounts Receivable | - | $71,667,000 | $71,400,000 | $62,402,000 |
| Debt | ||||
| Total Debt | $479,747,000 | $347,340,000 | $224,799,000 | $54,404,000 |
| Long Term Debt And Capital Lease Obligation | $423,166,000 | $76,388,000 | $224,031,000 | $27,688,000 |
| Long Term Debt | $400,009,000 | $55,000,000 | $200,002,000 | $318,000 |
| Current Debt And Capital Lease Obligation | $56,581,000 | $270,952,000 | $768,000 | $26,716,000 |
| Current Debt | $56,581,000 | $270,952,000 | $768,000 | $26,716,000 |
| Other Current Borrowings | $56,581,000 | $270,952,000 | $768,000 | $26,716,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $11,075,652,000 | $10,246,363,000 | $10,150,973,000 | $8,776,374,000 |
| Non Current Deferred Liabilities | - | $40,718,000 | $22,444,000 | - |
| Non Current Deferred Taxes Liabilities | - | $40,718,000 | $22,444,000 | - |
| Derivative Product Liabilities | - | - | - | $0 |
| Payables And Accrued Expenses | - | - | - | $124,999,000 |
| Equity | ||||
| Common Stock Equity | $1,390,005,000 | $1,254,371,000 | $1,193,480,000 | $1,042,406,000 |
| Total Equity Gross Minority Interest | $1,390,005,000 | $1,254,371,000 | $1,193,480,000 | $1,042,406,000 |
| Stockholders Equity | $1,390,005,000 | $1,254,371,000 | $1,193,480,000 | $1,042,406,000 |
| Gains Losses Not Affecting Retained Earnings | $171,584,000 | $79,698,000 | $83,954,000 | $40,492,000 |
| Other Equity Adjustments | $171,584,000 | $79,698,000 | $83,954,000 | $40,492,000 |
| Retained Earnings | $904,630,000 | $771,993,000 | $639,324,000 | $516,371,000 |
| Other | ||||
| Treasury Shares Number | $16,628,067 | $14,444,965 | $12,820,078 | $12,303,859 |
| Ordinary Shares Number | $43,257,167 | $45,440,269 | $47,065,156 | $47,581,375 |
| Share Issued | $59,885,234 | $59,885,234 | $59,885,234 | $59,885,234 |
| Tangible Book Value | $1,229,577,000 | $1,084,913,000 | $1,039,025,000 | $879,651,000 |
| Invested Capital | $1,846,595,000 | $1,580,323,000 | $1,394,250,000 | $1,069,440,000 |
| Capital Lease Obligations | $23,157,000 | $21,388,000 | $24,029,000 | $27,370,000 |
| Total Capitalization | $1,790,014,000 | $1,309,371,000 | $1,393,482,000 | $1,042,724,000 |
| Treasury Stock | $389,067,000 | $296,991,000 | $228,350,000 | $211,135,000 |
| Additional Paid In Capital | $642,973,000 | $639,786,000 | $638,667,000 | $636,793,000 |
| Capital Stock | $59,885,000 | $59,885,000 | $59,885,000 | $59,885,000 |
| Common Stock | $59,885,000 | $59,885,000 | $59,885,000 | $59,885,000 |
| Long Term Capital Lease Obligation | $23,157,000 | $21,388,000 | $24,029,000 | $27,370,000 |
| Investments And Advances | $2,854,479,000 | $2,731,080,000 | $2,694,644,000 | $1,975,780,000 |
| Held To Maturity Securities | $269,498,000 | $327,158,000 | $549,024,000 | $535,070,000 |
| Available For Sale Securities | $2,583,307,000 | $2,402,754,000 | $1,848,303,000 | $1,131,568,000 |
| Trading Securities | $23,000 | $18,000 | $13,000 | $9,000 |
| Goodwill | $84,241,000 | $84,241,000 | $84,241,000 | $84,241,000 |
| Net PPE | $114,815,000 | $123,709,000 | $125,827,000 | $132,183,000 |
| Accumulated Depreciation | $-94,678,000 | $-93,340,000 | $-75,891,000 | $-72,051,000 |
| Gross PPE | $209,493,000 | $217,049,000 | $201,718,000 | $204,234,000 |
| Leases | $24,213,000 | $23,176,000 | $19,145,000 | $17,901,000 |
| Other Properties | $21,261,000 | $19,197,000 | $21,725,000 | $25,363,000 |
| Machinery Furniture Equipment | $81,789,000 | $93,378,000 | $80,275,000 | $82,590,000 |
| Buildings And Improvements | $78,199,000 | $77,267,000 | $76,542,000 | $74,349,000 |
| Land And Improvements | $4,031,000 | $4,031,000 | $4,031,000 | $4,031,000 |
| Other Short Term Investments | $1,651,000 | $1,150,000 | $297,304,000 | $309,133,000 |
| Current Accrued Expenses | - | - | - | $124,999,000 |
| Preferred Stock | - | - | - | - |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $199,337,000 | $210,787,000 | $277,800,000 | $133,457,000 |
| Operating Activities | ||||
| Operating Cash Flow | $217,719,000 | $252,500,000 | $295,657,000 | $164,456,000 |
| Cash Flow From Continuing Operating Activities | $217,719,000 | $252,500,000 | $295,657,000 | $164,456,000 |
| Operating Gains Losses | $994,000 | $-1,371,000 | $-6,076,000 | $-5,959,000 |
| Investing Activities | ||||
| Capital Expenditure | $-18,382,000 | $-41,713,000 | $-17,857,000 | $-30,999,000 |
| Investing Cash Flow | $-438,378,000 | $-335,979,000 | $-1,404,745,000 | $-1,512,937,000 |
| Cash Flow From Continuing Investing Activities | $-438,378,000 | $-335,979,000 | $-1,404,745,000 | $-1,512,937,000 |
| Net Other Investing Changes | $50,753,000 | $38,386,000 | $51,602,000 | $49,826,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-91,596,000 | $-70,324,000 | $-18,653,000 | $-64,110,000 |
| Financing Cash Flow | $669,857,000 | $-73,557,000 | $1,306,797,000 | $-124,705,000 |
| Cash Flow From Continuing Financing Activities | $669,857,000 | $-73,557,000 | $1,306,797,000 | $-124,705,000 |
| Cash Dividends Paid | $-51,874,000 | $-45,646,000 | $-41,011,000 | $-30,090,000 |
| Common Stock Dividend Paid | $-51,874,000 | $-45,646,000 | $-41,011,000 | $-30,090,000 |
| Net Common Stock Issuance | $-91,596,000 | $-70,324,000 | $-18,653,000 | $-64,110,000 |
| Preferred Stock Dividend Paid | - | - | $0 | $0 |
| Net Preferred Stock Issuance | - | - | $0 | $0 |
| Other | ||||
| Interest Paid Supplemental Data | $165,249,000 | $156,788,000 | $79,726,000 | $26,959,000 |
| Income Tax Paid Supplemental Data | $81,532,000 | $40,071,000 | $15,007,000 | $5,126,000 |
| End Cash Position | $1,040,335,000 | $591,137,000 | $748,173,000 | $550,464,000 |
| Beginning Cash Position | $591,137,000 | $748,173,000 | $550,464,000 | $2,023,650,000 |
| Changes In Cash | $449,198,000 | $-157,036,000 | $197,709,000 | $-1,473,186,000 |
| Proceeds From Stock Option Exercised | $-3,528,000 | $-4,368,000 | $-1,689,000 | $-906,000 |
| Common Stock Payments | $-91,596,000 | $-70,324,000 | $-18,653,000 | $-64,110,000 |
| Net Investment Purchase And Sale | $16,835,000 | $30,225,000 | $-578,355,000 | $-1,063,541,000 |
| Sale Of Investment | $548,226,000 | $1,362,414,000 | $498,041,000 | $404,320,000 |
| Purchase Of Investment | $-531,391,000 | $-1,332,189,000 | $-1,076,396,000 | $-1,467,861,000 |
| Net Intangibles Purchase And Sale | $0 | $-20,377,000 | $0 | $0 |
| Purchase Of Intangibles | $0 | $-20,377,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-16,959,000 | $-21,335,000 | $-17,819,000 | $-26,215,000 |
| Sale Of PPE | $1,423,000 | $1,000 | $38,000 | $4,784,000 |
| Purchase Of PPE | $-18,382,000 | $-21,336,000 | $-17,857,000 | $-30,999,000 |
| Change In Working Capital | $110,947,000 | $-35,295,000 | $713,000 | $-6,519,000 |
| Change In Other Current Assets | $59,975,000 | $-30,806,000 | $6,372,000 | $33,423,000 |
| Change In Payables And Accrued Expense | $46,914,000 | $-4,759,000 | $279,000 | $-34,151,000 |
| Change In Accrued Expense | $46,914,000 | $-4,759,000 | $279,000 | $-34,151,000 |
| Change In Receivables | $4,058,000 | $270,000 | $-5,938,000 | $-5,791,000 |
| Changes In Account Receivables | $4,058,000 | $270,000 | $-5,938,000 | $-5,791,000 |
| Other Non Cash Items | $-84,308,000 | $-42,716,000 | $-38,014,000 | $-100,102,000 |
| Stock Based Compensation | $6,235,000 | $7,170,000 | $5,001,000 | $4,185,000 |
| Deferred Tax | $-153,673,000 | $21,561,000 | $67,349,000 | $61,126,000 |
| Deferred Income Tax | $-153,673,000 | $21,561,000 | $67,349,000 | $61,126,000 |
| Depreciation Amortization Depletion | $25,386,000 | $26,787,000 | $27,286,000 | $24,312,000 |
| Depreciation And Amortization | $25,386,000 | $26,787,000 | $27,286,000 | $24,312,000 |
| Amortization Cash Flow | $4,928,000 | $5,912,000 | $6,899,000 | $8,500,000 |
| Amortization Of Intangibles | $4,928,000 | $5,912,000 | $6,899,000 | $8,500,000 |
| Depreciation | $20,458,000 | $20,875,000 | $20,387,000 | $15,812,000 |
| Gain Loss On Investment Securities | $0 | $7,000 | $1,149,000 | $247,000 |
| Net Income From Continuing Operations | $205,103,000 | $198,170,000 | $181,872,000 | $166,239,000 |
| Net Issuance Payments Of Debt | - | $0 | $0 | $-34,958,000 |
| Net Long Term Debt Issuance | - | $0 | $0 | $-34,958,000 |
| Preferred Stock Payments | - | - | $0 | $0 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
| Sale Of Business | - | - | - | - |
| Change In Other Working Capital | - | - | - | - |
Fetched: 2026-06-22