OFG Bancorp (OFG) Stock Price
OFG Bancorp Price
OFG Bancorp (OFG) Stock | ISIN PR67103X1020 | WKN A1T9X8. The current OFG Bancorp stock price is 48.92 USD (2026). Revenue is 687.18 M USD. Net income is 202.04 M USD. The P/E ratio is 11.36. Market capitalization is 2.29 B USD. OFG Bancorp operates in the Finance sector.
Revenue has compounded at 7.4% per year over the past 19 years to 873.53 M USD. Earnings per share have grown at 3.7% per year over the last 19 years. OFG Bancorp's net margin stands at 22.7%, up from 11.3% several years earlier. OFG Bancorp currently offers a dividend yield of about 2.04%. The payout ratio is around 18% of earnings. The dividend has grown at 3.1% per year over the past 19 years.
OFG Bancorp stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of OFG Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how OFG Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing OFG Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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OFG Bancorp Revenue, EBIT, Net Income
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OFG Bancorp Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (M USD) |
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| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
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| EBIT (M USD) |
| EBIT MARGIN (%) |
| NET INCOME (M USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | 2026e | 2027e |
|---|---|---|---|---|---|---|---|
| 597 | 582 | 647 | 777 | 873 | 615 | 687 | 696 |
| 30.92 | -2.51 | 11.17 | 20.09 | 12.36 | -29.55 | 11.71 | 1.31 |
| 98.66 | 101.2 | 91.04 | 75.8 | 67.47 | 95.77 | 85.74 | 84.63 |
| 589 | 589 | 589 | 589 | 589 | 589 | 589 | 589 |
| 0 | 0 | 253 | 0 | 0 | 354 | 343 | 344 |
| – | – | – | – | – | – | – | – |
| 67 | 144 | 166 | 181 | 198 | 211 | 202 | 215 |
| 42.55 | 114.93 | 15.28 | 9.04 | 9.39 | 6.57 | -4.27 | 6.44 |
| 0.28 | 0.4 | 0.7 | 0.88 | 1 | 1.2 | 0.35 | 0.84 |
| – | 42.86 | 75 | 25.71 | 13.64 | 20 | -70.83 | 140 |
| 51.6 | 51.4 | 48.44 | 47.55 | 46.9 | 46.9 | 46.9 | 46.9 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales OFG Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue OFG Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare OFG Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares OFG Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against OFG Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
OFG Bancorp stock margins
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OFG Bancorp Stock Revenue, EBIT, Earnings per Share
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OFG Bancorp business model & stock analysis
OFG Bancorp SWOT Analysis
Strengths
OFG Bancorp has a strong market presence and reputation, which allows it to attract a large customer base and establish itself as a key player in the industry.
The company has a diverse range of financial products and services, including commercial banking, mortgage banking, and wealth management, which provides multiple revenue streams and opportunities for growth.
Weaknesses
One of the main weaknesses of OFG Bancorp is its heavy reliance on a specific geographical market. This makes the company vulnerable to economic downturns or adverse events that may affect the local economy.
The company has also faced some challenges in terms of regulatory compliance and risk management, which can potentially hinder its operations and profitability.
Opportunities
OFG Bancorp can capitalize on the growing demand for digital banking services by investing in technology and enhancing its online and mobile banking platforms. This can help attract tech-savvy customers and improve overall customer experience.
The company can also explore strategic partnerships or acquisitions to expand its market reach and diversify its product offerings. This can open up new revenue streams and enable OFG Bancorp to enter untapped markets or industries.
Threats
One of the major threats facing OFG Bancorp is intense competition in the banking industry. Larger financial institutions with greater resources and established customer bases can potentially overshadow OFG Bancorp and attract its customers.
Economic volatility and regulatory changes also pose threats to the company's profitability. Fluctuations in interest rates, credit risk, and changes in regulations can impact OFG Bancorp's lending activities and overall financial performance.
OFG Bancorp Segments
OFG Bancorp Eulerpool Fair Value
OFG Bancorp historical P/E ratio, EBIT multiple, and P/S ratio
OFG Bancorp annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
OFG Bancorp shares outstanding
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OFG Bancorp Dividend History
35 years of dividend payments · 5 consecutive increases
OFG Bancorp dividend history and estimates
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OFG Bancorp dividend payout ratio
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OFG Bancorp Earnings Estimates
OFG Bancorp Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/21/2026 | 1.01USD | 171.81 MUSD | 2026 Q1 |
| 1/22/2026 | 1.16USD | 155.26 MUSD | 2025 Q4 |
| 1/20/2026 | 1.16USD | 155.26 MUSD | 2025 Q4 |
| 4/18/2024 | 0.91USD | 140.4 MUSD | 2024 Q1 |
| 1/24/2024 | 0.94USD | 143.28 MUSD | 2023 Q4 |
| 7/19/2023 | 0.89USD | 132.62 MUSD | 2023 Q2 |
| 4/19/2023 | 0.86USD | 130.47 MUSD | 2023 Q1 |
| 1/17/2023 | 0.93USD | 131.73 MUSD | 2022 Q4 |
| 10/20/2022 | 0.86USD | 125.18 MUSD | 2022 Q3 |
| 7/21/2022 | 0.74USD | 113.23 MUSD | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the OFG Bancorp stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
OFG Bancorp shareholder structure
| % | Name |
|---|---|
12.84465% | |
12.03139% | |
5.8658% | |
5.46844% | |
3.75601% | |
3.59523% | |
3.28271% | |
2.87704% | |
2.75814% | |
2.36842% |
OFG Bancorp Executives and Management Board
Mr. Jose Fernandez
(61)Chairman of the Board, President, Chief Executive Officer · since 2024
Ms. Maritza Arizmendi
(56)Chief Financial Officer
Ms. Mari Rodriguez
(54)Chief Retail Banking Officer · since 2023
Ms. Ada Garcia
(61)Managing Director - Customer Intelligence and Operations
Mr. Cesar Ortiz
(50)Chief Risk Officer
Frequently asked questions about OFG Bancorp
The business model of OFG Bancorp revolves around being a diversified financial holding company. As an institution, OFG Bancorp offers a wide range of banking and financial services to individuals, businesses, and institutions. They provide commercial and consumer banking services, mortgage lending, wealth management, insurance, and other related financial solutions. With a strong focus on customer satisfaction and tailoring their offerings to meet specific needs, OFG Bancorp aims to foster long-term relationships with clients while ensuring growth and profitability. By constantly adapting to market trends and leveraging their expertise, OFG Bancorp strives to deliver innovative and reliable financial solutions to its customers.
OFG Bancorp stock
OFG Bancorp Peer Group
OFG Bancorp Ticker
OFG Bancorp FIGI
All fundamentals and in-depth analysis of OFG Bancorp
Our stock analysis for OFG Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of OFG Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.