Price
No data yet.
Social Signal Score
Analyst Ratings
12 analystsRevenue
$230.65M+139.79%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- José Rafael Fernández
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 2,185
- Beta
- 0.70
- Country
- PR
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- -0.30
Financials
Revenue
$230.65M+139.8%Net Income
$58.78M+288.7%EBITDA
$80.33M+275.9%Free Cash Flow
$45.06M+203.9%EPS (diluted)
$1.39+434.6%Shares Outstanding (diluted)
42.40M-17.0%Operating Expenses
$55.45MCash & Debt
$3.44BReturn of Capital
$17.26MRevenue by Segment (annual)
$2.35MDividend per Share
$0.35Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $862.62M | $205.10M | $4.53 |
| 2024 | $822.77M | $198.17M | $4.25 |
| 2023 | $728.15M | $181.87M | $3.85 |
| 2022 | $598.51M | $166.24M | $3.46 |
| 2021 | $539.08M | $146.15M | $2.85 |
| 2020 | $541.21M | $74.33M | $1.32 |
| 2019 | $429.88M | $53.84M | $0.93 |
| 2018 | $400.92M | $84.41M | $1.59 |
| 2017 | $387.77M | $52.65M | $0.88 |
| 2016 | $385.91M | $59.19M | $1.03 |
| 2015 | $386.42M | $-2.50M | $-0.37 |
| 2014 | $475.93M | $85.18M | $1.58 |
| 2013 | $485.38M | $98.45M | $1.85 |
| 2012 | $303.34M | $24.55M | $0.35 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from OFG's reported EPS growth of 21.8% a year over 13 years.
- EPS in 5 years
- $11.80
- Implied price
- $106.24
- Return from $51.29
- 15.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $52.82 — today's price is already 2.9% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| 11.8% | -5.6% | 1.0% | 6.2% | 10.5% | 14.3% |
| 16.8% | -1.4% | 5.5% | 10.9% | 15.5% | 19.4% |
| 21.8% | 2.8% | 10.0% | 15.7% | 20.4% | 24.5% |
| 26.8% | 7.1% | 14.5% | 20.4% | 25.4% | 29.6% |
| 31.8% | 11.3% | 19.0% | 25.2% | 30.3% | 34.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+0.00%Social Signal Score
Mentions (5)
- Newszacks.com·20h ago·Positive
Why OFG Bancorp (OFG) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes?
View source ↗ - Newszacks.com·17d ago·Positive
Why OFG Bancorp (OFG) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes?
View source ↗ - Newszacks.com·33d ago·Positive
OFG Bancorp (OFG) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes?
View source ↗ - Newszacks.com·42d ago·Positive
Best Income Stocks to Buy for August 25th TXO, TGT and OFG made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 25th, 2026.
View source ↗ - Newszacks.com·49d ago·Positive
OFG Bancorp (OFG) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes?
View source ↗
Earnings
Wed, Oct 21(in 2 weeks)
Consensus estimate $1.23 per share
Typical surprise +9.5% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 21$1.39 vs $1.17beat
- Tue, Apr 21$1.26 vs $1.02beat
- Thu, Jan 22$1.27 vs $1.16beat
- Wed, Oct 22$1.16 vs $1.17miss
- Thu, Jul 17$1.15 vs $1.05beat
- Wed, Apr 23$1.00 vs $0.97beat
Estimates and results for OFG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by OFG officers and directors.
- Bought
- —
- Sold
- $3.5m
0 trades
3 trades
- Arizmendi Maritzasold
- De Jesus Nestorsold
- Fernandez Jose Rafaelsold
97 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in OFG.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.