OFG Bancorp (OFG) Stock Price

OFG Bancorp Price

NYSE·CLOSED
53.22USD-0.27 (-0.50 %)
Market closed

Revenue has compounded at 13.9% per year over the past 19 years to 690.15 M USD. Earnings per share have grown at 5.3% per year over the last 18 years. OFG Bancorp's net margin stands at 29.7%, broadly stable from 29.4% several years earlier. OFG Bancorp currently offers a dividend yield of about 2.25%. The payout ratio is around 28% of earnings. The dividend has grown at 4.1% per year over the past 19 years. Analysts set a median price target of 43.86 USD, implying 17.6% below the current price. Of 9 analysts, 5 rate the stock a buy — an overall Buy consensus. The stock trades about 44% above its 52-week low.

OFG Bancorp stock price

Volume
Ex-Dividend
Details

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.

OFG Bancorp Stock Price History
DateOFG Bancorp Price
8/5/202653.22 USD
8/4/202653.49 USD
8/3/202653.08 USD
7/31/202652.86 USD
7/30/202652.49 USD
7/29/202652.70 USD
7/27/202652.67 USD
7/23/202652.43 USD
7/22/202652.12 USD
7/21/202652.90 USD
7/20/202650.00 USD
7/17/202650.07 USD
7/16/202651.17 USD
7/15/202649.99 USD
7/14/202649.85 USD
7/13/202650.02 USD
7/10/202649.35 USD
7/9/202649.64 USD
7/8/202649.29 USD
7/7/202649.87 USD
7/6/202649.83 USD
7/2/202649.48 USD
7/1/202650.15 USD
6/30/202649.07 USD
6/29/202649.10 USD
6/26/202648.92 USD
6/25/202649.31 USD
6/24/202648.51 USD
6/23/202648.03 USD
6/22/202647.19 USD
6/18/202646.66 USD
6/17/202646.55 USD
6/16/202647.74 USD
6/15/202647.62 USD
6/12/202648.06 USD
6/11/202647.38 USD
6/10/202646.83 USD
6/5/202646.27 USD
6/4/202645.96 USD
6/3/202644.73 USD
6/2/202645.57 USD
6/1/202644.73 USD
5/29/202645.56 USD
5/28/202645.83 USD
5/27/202645.59 USD
5/26/202645.70 USD
5/22/202645.05 USD
5/21/202645.20 USD
5/20/202645.60 USD
5/19/202644.56 USD
5/14/202644.38 USD
5/13/202644.14 USD
5/4/202645.13 USD
5/1/202645.74 USD
4/30/202645.96 USD
4/29/202644.90 USD
4/28/202645.86 USD
4/27/202645.83 USD
4/24/202645.53 USD
4/23/202646.10 USD
4/22/202645.78 USD
4/21/202644.71 USD
4/20/202642.55 USD
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4/16/202641.99 USD
4/15/202642.44 USD
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4/13/202643.10 USD
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4/7/202641.71 USD
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4/1/202641.09 USD
3/31/202640.46 USD
3/30/202639.86 USD
3/27/202640.12 USD
3/26/202640.59 USD
3/25/202640.41 USD
3/24/202639.90 USD
3/23/202639.53 USD
3/20/202638.74 USD
3/19/202638.74 USD
3/18/202638.74 USD
3/17/202639.02 USD
3/16/202639.29 USD
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3/10/202639.33 USD
3/9/202638.95 USD
3/6/202639.20 USD
3/5/202640.00 USD
3/4/202640.34 USD
3/3/202640.28 USD
3/2/202640.58 USD
2/27/202640.08 USD
2/26/202641.85 USD
2/25/202642.07 USD
2/24/202641.30 USD
2/23/202641.39 USD
2/20/202642.89 USD
2/19/202642.13 USD
2/18/202642.08 USD
2/17/202642.19 USD
2/13/202641.91 USD
2/12/202642.05 USD
2/11/202642.03 USD
2/10/202641.83 USD
2/9/202641.85 USD
2/6/202640.94 USD
2/5/202641.12 USD
2/4/202641.00 USD
2/3/202641.44 USD
2/2/202640.73 USD
1/30/202640.30 USD
1/29/202639.74 USD
1/28/202637.73 USD
1/27/202637.90 USD
1/26/202637.15 USD
1/23/202637.15 USD
1/22/202638.98 USD
1/21/202642.58 USD
1/20/202640.97 USD
1/16/202641.58 USD
1/15/202641.92 USD
1/14/202641.26 USD
1/13/202641.01 USD
1/12/202641.13 USD
1/9/202641.38 USD
1/8/202641.66 USD
1/7/202641.34 USD
1/6/202641.60 USD
1/5/202641.58 USD
1/2/202641.02 USD
12/31/202540.98 USD
12/30/202541.16 USD
12/29/202541.56 USD
12/26/202541.75 USD
12/24/202542.00 USD
12/23/202542.10 USD
12/22/202542.32 USD
12/19/202542.30 USD
12/18/202542.93 USD
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12/16/202542.15 USD
12/15/202542.24 USD
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12/11/202541.80 USD
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12/9/202540.65 USD
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12/3/202540.69 USD
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12/1/202540.17 USD
11/28/202539.73 USD
11/26/202539.98 USD
11/25/202540.15 USD
11/24/202539.28 USD
11/21/202539.79 USD
11/20/202539.31 USD
11/19/202539.72 USD
11/18/202539.76 USD
11/17/202539.23 USD
11/14/202540.43 USD
11/13/202540.72 USD
11/12/202540.75 USD
11/11/202540.45 USD
11/10/202540.73 USD
11/7/202540.55 USD
11/6/202540.10 USD
11/5/202539.98 USD
11/4/202539.52 USD
11/3/202539.15 USD
10/31/202538.66 USD
10/30/202538.21 USD
10/29/202538.47 USD
10/28/202539.26 USD
10/27/202539.06 USD
10/24/202539.64 USD
10/23/202539.17 USD
10/22/202539.60 USD
10/21/202542.18 USD
10/20/202542.47 USD
10/17/202541.30 USD
10/16/202540.77 USD
10/15/202542.63 USD
10/14/202543.38 USD
10/13/202542.20 USD
10/10/202541.46 USD
10/9/202543.03 USD
10/8/202542.65 USD
10/7/202542.28 USD
10/6/202543.17 USD
10/3/202542.65 USD
10/2/202542.49 USD
10/1/202542.75 USD
9/30/202543.49 USD
9/29/202543.93 USD
9/28/202543.93 USD
9/25/202544.68 USD
9/24/202544.60 USD
9/23/202544.31 USD
9/22/202544.45 USD
9/19/202544.83 USD
9/18/202544.84 USD
9/17/202543.69 USD
9/16/202543.28 USD
9/15/202543.60 USD
9/12/202543.77 USD
9/11/202544.15 USD
9/10/202544.11 USD
9/9/202543.91 USD
9/8/202544.35 USD
9/5/202544.81 USD
9/4/202545.34 USD
9/3/202544.48 USD
9/2/202544.48 USD
8/29/202544.76 USD
8/28/202544.77 USD
8/27/202544.86 USD
8/26/202544.86 USD
8/25/202544.52 USD
8/22/202544.82 USD
8/21/202542.75 USD
8/20/202542.96 USD
8/19/202543.00 USD
8/18/202543.04 USD
8/15/202542.66 USD
8/14/202543.43 USD
8/13/202543.46 USD
8/12/202543.14 USD
8/11/202541.86 USD
8/8/202541.73 USD
8/7/202541.84 USD
8/6/202542.15 USD
Access this data via the Eulerpool API

OFG Bancorp Revenue, Pre-Provision Profit, Net Income

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Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2021
497.26 M USD
171.45 M USD
146.15 M USD
Jan 1, 2022
565.01 M USD
219.47 M USD
166.24 M USD
Jan 1, 2023
662.35 M USD
298.99 M USD
181.87 M USD
Jan 1, 2024
660.94 M USD
285.25 M USD
198.17 M USD
Jan 1, 2025
690.15 M USD
690.15 M USD
205.10 M USD
Jan 1, 2026 (e)
747.52 M USD
0.00 USD
234.79 M USD
Jan 1, 2027 (e)
753.96 M USD
0.00 USD
235.07 M USD
Jan 1, 2028 (e)
764.23 M USD
0.00 USD
243.89 M USD

OFG Bancorp Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 6, 2026, 11:33 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
485.00475.00386.00385.00387.00400.00429.00541.00539.00598.00728.00822.00862.00747.00753.00764.00
60.07-2.06-18.74-0.260.523.367.2526.11-0.3710.9521.7412.914.87-13.340.801.46
67.6371.1640.1668.3160.2175.0065.7370.7992.2190.3079.5370.3271.2371.2371.2371.23
328.00338.00155.00263.00233.00300.00282.00383.00497.00540.00579.00578.00614.00532.09536.36544.19
409.70408.50337.37299.43304.17315.89322.79408.43407.37482.08552.61588.44608.47
17.1017.3052.6029.3242.1340.5056.0967.8689.8982.93109.7472.5081.68
72.9060.60161.5065.10113.1056.1096.8052.800.2024.1260.6482.25
162.70183.10141.47112.74144.70149.29145.6891.09171.45219.47298.99285.25690.15
98.0085.00-2.0059.0052.0084.0053.0074.00146.00166.00181.00198.00205.00234.00235.00243.00
308.33-13.27-102.35-3,050.00-11.8661.54-36.9039.6297.3013.709.049.393.5414.150.433.40
0.260.340.360.240.240.250.280.280.400.700.881.001.201.401.682.02
8.3330.775.88-33.334.1712.0042.8675.0025.7113.6420.0016.6720.0020.24
52.9952.0051.0751.1051.1051.6051.7951.5350.3047.9647.3946.2547.3747.3747.3747.37
Details

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

The OFG Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of OFG Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for OFG Bancorp.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2021
65.52 %
29.39 %
Jan 1, 2022
61.16 %
29.42 %
Jan 1, 2023
54.86 %
27.46 %
Jan 1, 2024
56.84 %
29.98 %
Jan 1, 2025
0.00 %
29.72 %
Jan 1, 2026 (e)
0.00 %
31.41 %
Jan 1, 2027 (e)
0.00 %
31.18 %
Jan 1, 2028 (e)
0.00 %
31.91 %

OFG Bancorp Revenue per Share, Earnings per Share

The OFG Bancorp earnings per share therefore indicates how much revenue OFG Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
9.89 USD
2.91 USD
Jan 1, 2022
11.78 USD
3.47 USD
Jan 1, 2023
13.98 USD
3.84 USD
Jan 1, 2024
14.29 USD
4.28 USD
Jan 1, 2025
14.57 USD
4.33 USD
Jan 1, 2026 (e)
15.94 USD
5.01 USD
Jan 1, 2027 (e)
16.08 USD
5.01 USD
Jan 1, 2028 (e)
16.29 USD
5.20 USD

OFG Bancorp business model & stock analysis

OFG Bancorp is a financial services company based in San Juan, Puerto Rico. The company has a long history dating back to 1964 when it was founded as Oriental Financial Group. Over the years, OFG Bancorp has conducted a number of mergers and acquisitions and is now the holding company for a range of subsidiary companies that focus on various areas of the financial services business. The company is divided into five main areas: retail banking, commercial banking, wealth management, treasury management, and mortgage banking. Each area offers a range of products and services to respond to customer needs. Retail banking: OFG's retail banking focuses on personal accounts, loans, and credit cards. The company operates over 50 branches and ATMs in Puerto Rico and also has a presence in Florida. Products offered include credit and debit cards, mortgages, auto loans, personal loans, and savings accounts. Commercial banking: OFG Bancorp also provides banking services to small and medium-sized businesses. This includes deposit accounts, loans, leasing financing, and treasury management services. OFG's commercial banking is divided into several areas, including real estate, consumer products, healthcare, and government. Wealth management: OFG's wealth management offers a range of financial services to affluent private and business clients. This includes investment advice, portfolio management, retirement and estate planning, and tax planning. These services are provided by a team of experienced financial advisors and investment experts who work closely with clients to ensure their needs are met. Treasury management: OFG's treasury management focuses on companies and institutions that require complex financial management and payment solutions. This includes cash management solutions, payment processing, electronic invoicing, and trade financing. OFG also offers customized solutions tailored to their specific requirements. Mortgage banking: OFG's mortgage banking specializes in mortgage financing in the United States and operates a large network of lenders and brokers. The company offers a wide range of mortgage products including fixed and variable interest rates, FHA and VA loans, and jumbo mortgages. OFG Mortgage also focuses on US overseas territories. Overall, OFG Bancorp is a diverse financial services company that caters to a wide range of customers and needs. The company is committed to continuously evolving and adapting its products and services to meet the changing needs of its customers.

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 Employees

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  • Max

OFG Bancorp Employees
Details
Date
OFG Bancorp Employees
Jan 1, 2017
- Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

OFG Bancorp Segments

OFG Bancorp Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

OFG Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

OFG Bancorp annual returns

Details

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

The number of shares of OFG Bancorp was 47.37 M in 2025. This indicates how many shares OFG Bancorp is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
50.30 M Stocks
Jan 1, 2022
47.96 M Stocks
Jan 1, 2023
47.39 M Stocks
Jan 1, 2024
46.25 M Stocks
Jan 1, 2025
47.37 M Stocks
Jan 1, 2026 (e)
47.37 M Stocks
Jan 1, 2027 (e)
47.37 M Stocks
Jan 1, 2028 (e)
47.37 M Stocks

OFG Bancorp stock splits

In OFG Bancorp's history, there have been no stock splits.

OFG Bancorp Dividend History

35 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.35USDYTD
Mar 31, 20260.35USD 16.7%1/1
20251.20USD 20.0%
Mar 31, 20250.30USD 20.0%1/4
Jun 30, 20250.30USD 0.0%2/4
Sep 30, 20250.30USD 0.0%3/4
Dec 31, 20250.30USD 0.0%4/4
20241.00USD 13.6%
20230.88USD 25.7%
20220.70USD 75.0%
20210.40USD 42.9%
20200.28USD 0.0%
20190.28USD 12.0%
20180.25USD 4.2%
20170.24USD 0.0%

OFG Bancorp dividend history and estimates

In 2025, OFG Bancorp paid a dividend amounting to 1.20 USD. Dividend means that OFG Bancorp distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
0.40 USD
0.00 USD
Jan 1, 2022
0.70 USD
0.00 USD
Jan 1, 2023
0.88 USD
0.00 USD
Jan 1, 2024
1.00 USD
0.00 USD
Jan 1, 2025
1.20 USD
0.00 USD
Jan 1, 2026 (e)
0.35 USD
1.05 USD
Jan 1, 2027 (e)
0.00 USD
1.68 USD
Jan 1, 2028 (e)
0.00 USD
2.02 USD

OFG Bancorp dividend payout ratio

In 2025, OFG Bancorp had a payout ratio of 27.71%. The payout ratio indicates the percentage of the company's profits that OFG Bancorp distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
13.77 %
Jan 1, 2022
20.20 %
Jan 1, 2023
22.93 %
Jan 1, 2024
23.34 %
Jan 1, 2025
27.71 %
Jan 1, 2026 (e)
27.97 %
Jan 1, 2027 (e)
33.52 %
Jan 1, 2028 (e)
38.77 %

Current OFG Bancorp forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
12.24 %
Buy
55.56 % (5)
Hold
44.44 % (4)
Sell
0.00 % (0)
12M Price Target
43.86
Last Price
53.22
Currency
USD
12M Return Potential
-17.60 %
LTM Return
0 %

OFG Bancorp Analyst Rating Actions

DateFirmActionRatingReliability
7/22/2026
Truist Securities
Truist Securities
MaintainedBuy
7/22/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
7/13/2026
Truist Securities
Truist Securities
MaintainedBuy
7/6/2026
Wells Fargo
Wells Fargo
MaintainedEqual Weight56
4/22/2026
Wells Fargo
Wells Fargo
MaintainedEqual Weight56
4/22/2026
Truist Securities
Truist Securities
MaintainedBuy
4/22/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
1/26/2026
Truist Securities
Truist Securities
MaintainedBuy
1/23/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
DowngradeOutperformMarket Perform
10/27/2025
Wells Fargo
Wells Fargo
MaintainedEqual Weight56

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

OFG Bancorp Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/21/20261.18USD-168.19 MUSD-2026 Q2
4/21/20261.01USD-171.81 MUSD-2026 Q1
1/22/20261.16USD-155.26 MUSD-2025 Q4
4/18/20240.91USD-140.40 MUSD-2024 Q1
1/24/20240.94USD-143.28 MUSD-2023 Q4
7/19/20230.89USD-132.62 MUSD-2023 Q2
4/19/20230.86USD-130.47 MUSD-2023 Q1
1/17/20230.93USD-131.73 MUSD-2022 Q4
10/20/20220.86USD-125.18 MUSD-2022 Q3
7/21/20220.74USD-113.23 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the OFG Bancorp stock

33/100
2
Environment
65
Social
34
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees68
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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
13.24583%
BLACKROCK, INC.
BLACKROCK, INC.
6.62885%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
5.47052%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
5.13279%
STATE STREET CORP
STATE STREET CORP
4.95059%
FIRST TRUST ADVISORS LP
FIRST TRUST ADVISORS LP
4.06838%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

OFG Bancorp Beneficial Ownership Filings (SEC 13D/G)

Free Float
98.9%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
12.00%
752403190
752403190
SEC ↗
11.74%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
7.60%
30-0447847
30-0447847
SEC ↗
7.40%
Vanguard Portfolio Management
Vanguard Portfolio Management
SEC ↗
7.14%
13-2700161
13-2700161
SEC ↗
6.67%
04-2683227
04-2683227
SEC ↗
6.50%
Dimensional Fund Advisors LP
Dimensional Fund Advisors LP
SEC ↗
6.30%
dba Garity & Co. Capital Management
dba Garity & Co. Capital Management
SEC ↗
6.20%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
6.10%
Munder Capital Management
Munder Capital Management
SEC ↗

OFG Bancorp Executives and Management Board

16 members · avg. age 58 · 38 % women

JF

Mr. Jose Fernandez (61)

Chairman of the Board, President, Chief Executive Officer · since 2024

6.31 M USD

Management

MA

Ms. Maritza Arizmendi (56)

Chief Financial Officer

1.17 M USD
MR

Ms. Mari Rodriguez (54)

Chief Retail Banking Officer · since 2023

756,629.00 USD
AG

Ms. Ada Garcia (61)

Managing Director - Customer Intelligence and Operations

710,054.00 USD
CO

Mr. Cesar Ortiz (50)

Chief Risk Officer

708,912.00 USD
PH

Mr. Patrick Haggarty (65)

Managing Director - Commercial Banking

513,372.00 USD
HG

Mr. Hugh Gonzalez (45)

General Counsel, Secretary

Board of Directors

NJ

Mr. Nestor De Jesus (73)

Lead Independent Director

152,376.00 USD
RV

Mr. Rafael Velez (51)

Independent Director

118,709.00 USD
JC

Mr. Jorge Colon-Gerena (58)

Independent Director

117,042.00 USD
SH

Ms. Susan Harnett (68)

Independent Director

111,709.00 USD
AF

Ms. Annette Franqui (63)

Independent Director

109,709.00 USD
AV

Mr. Angel Vazquez (57)

Independent Director

72,333.00 USD

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 is primarily active in the banking industry.

The main competitors of OFG Bancorp in the market include banking institutions such as Banco Popular de Puerto Rico, First BanCorp, and Popular, Inc. These institutions, like OFG Bancorp, operate in the same geographic region and offer a range of similar products and services. OFG Bancorp distinguishes itself through its strong financial performance, customer-focused approach, and commitment to innovation. It continues to compete effectively in the market by leveraging its extensive industry experience and deep understanding of local market dynamics.

OFG Bancorp is a financial holding company that traces its roots back to 1964. Originally known as Oriental Financial Group, the company evolved and rebranded as OFG Bancorp in 2017. Headquartered in San Juan, Puerto Rico, OFG Bancorp operates under its subsidiary, Oriental Bank. With over 55 branches in Puerto Rico and the US Virgin Islands, OFG Bancorp offers a wide range of banking and financial services to individuals, businesses, and municipalities. The company has a strong commitment to the communities it serves and strives to provide innovative banking solutions tailored to the needs of its customers.

OFG Bancorp, a renowned financial services company, has achieved significant milestones throughout its successful history. One of its notable achievements includes the acquisition of BBVA Puerto Rico, a leading financial institution. This strategic move allowed OFG Bancorp to expand its market presence and strengthen its position in Puerto Rico's banking sector. Additionally, the company has consistently delivered solid financial performance, demonstrating its commitment to delivering value to its shareholders. With a customer-centric approach, OFG Bancorp has continuously enhanced its product and service offerings, earning a strong reputation among its clients. Emphasizing growth, innovation, and customer satisfaction, OFG Bancorp has made notable strides in its industry.

OFG Bancorp primarily operates in Puerto Rico and the U.S. Virgin Islands.

OFG Bancorp represents values of integrity, innovation, and excellence within the financial industry. As a leading financial institution, their corporate philosophy focuses on delivering exceptional customer service, fostering strong relationships, and promoting responsible financial practices. With a commitment to transparency and accountability, OFG Bancorp prioritizes ethical conduct, trust, and inclusion. Through their dedication to providing superior banking solutions, they strive to enhance the financial well-being of their clients, shareholders, and communities. OFG Bancorp's dedication to their core values and corporate philosophy has positioned them as a trusted and reputable player in the stock market.

Analysts currently set an average price target of 45.29 USD for the OFG Bancorp stock (median: 43.86 USD), implying -14.9 % versus the latest price. The consensus is based on 9 analyst ratings.

9 analysts currently rate the OFG Bancorp stock: 5 recommend buying, 4 holding and 0 selling. For 2026, analysts expect OFG Bancorp to generate revenue of 747.52 M USD and earnings per share of 4.96 USD.

Converted at the current exchange rate, the OFG Bancorp share trades at 46.08 EUR (53.22 USD).

The OFG Bancorp share (OFG) is listed on 2 stock exchanges, including: NYSE (OFG), Frankfurt (OFP.F).

OFG Bancorp is a diversified financial services company that offers a wide range of products and services to retail customers, businesses, and public institutions. The company operates in various business segments including traditional banking, insurance, asset management, and loan insurance. In the traditional banking business, OFG Bancorp operates in the areas of deposits and loans, offering various types of accounts including checking, savings, and fixed deposit accounts. It also provides various types of consumer and business loans, mortgages, and lines of credit. The company's insurance division offers a wide range of products including homeowner's insurance, auto insurance, additional health insurance, and insurance for commercial customers. OFG Bancorp's asset management division provides professional advice and asset management services. Customers can choose from various investment products including stocks, bonds, investment funds, and asset management services. The loan insurance department assists in the financing of home ownership and property acquisition, as well as loan refinancing. The company works closely with its customers to develop individual financing solutions to meet their specific needs. In terms of operations, OFG Bancorp aims to achieve attractive returns and increase profitability through organic and acquisition measures. The company pursues a clear strategy to diversify its activities in order to minimize operational risks and promote growth. In terms of product development and distribution channels, OFG Bancorp invests in the latest technologies to increase customer satisfaction and improve efficiency. The company aims to provide its customers with a flexible, simple, and convenient banking experience. The company places great value on its relationships with its customers, employees, and the communities in which it operates. OFG Bancorp is committed to promoting social responsibility and engagement for sustainable development. It supports local events and nonprofit organizations in Puerto Rico and the United States. Overall, the company's business model is focused on continuous growth and diversification to offer a comprehensive range of products and services to its customers. OFG Bancorp is committed to further expanding its position as a leading financial services company in the United States and Puerto Rico.

The expected revenue of OFG Bancorp is 747.52 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of OFG Bancorp is 234.79 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of OFG Bancorp is currently 10.74. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the OFG Bancorp stock.

The price-to-sales ratio (P/S) of OFG Bancorp is currently 3.37. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the OFG Bancorp stock.

The Eulerpool Quality Score for OFG Bancorp is 6/10.

The ISIN of OFG Bancorp is PR67103X1020. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of OFG Bancorp is A1T9X8. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of OFG Bancorp is OFG. The ticker symbol is used to trade OFG Bancorp shares on the stock exchange.

Over the past 12 months, OFG Bancorp paid a dividend of 1.20 USD . This corresponds to a dividend yield of about 2.25 %. For the coming 12 months, OFG Bancorp is expected to pay a dividend of 1.68 USD.

The current dividend yield of OFG Bancorp is 2.25 %.

OFG Bancorp pays a dividend, distributed in the months of , , , .

OFG Bancorp paid dividends every year for the past 34 years.

For the upcoming 12 months, dividends amounting to 1.68 USD are expected. This corresponds to a dividend yield of 3.18 %.

OFG Bancorp is assigned to the 'Finance' sector.

To receive the latest dividend of OFG Bancorp from amounting to 0.35 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, OFG Bancorp distributed 1 USD as dividends.

The dividends of OFG Bancorp are distributed in USD.

All fundamentals and in-depth analysis of OFG Bancorp

Our stock analysis for OFG Bancorp 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.