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OFG Bancorp

OFG

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OFG is a financial holding company headquartered in San Juan, Puerto Rico. Bank Holding Company Act of 1956, as amended, (the BHC Act ) and accordingly, subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the Federal Reserve Board ).

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$2.11B
EPS$5.08
P/E9.84
Div. Yield2.59%
Net Margin–
P/Book1.5x
OFG Bancorp intrinsic value
52-Week Range
$37.15$53.95

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$220M

▲ +3.5% YoY

Net Margin

–

P/E

9.84

Balance Sheet

Total Assets

$12.15B

Equity

$1.41B

Total Debt

$21M

Cash & Equiv.

$746M

Continue Research

Peers

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Held by ETFs

OFG is in 90 US ETFs. The largest of them, with OFG's weight in each:

OFG Bancorp (OFG) in four numbers

Fair value (book value)
$48.90
Price $50.01 is 2% above it.
Intrinsic Value
Quality score
67/100
Best check: book value growth, 16.4%. Weakest: margin trend, -219.7pp.
Quality
Dividend (TTM)
$1.30
2.59% yield, raised 5 years in a row.
Dividends
P/E
9.84
Price to free cash flow 10.43.
Financials

Questions about OFG Bancorp

Is OFG Bancorp (OFG) overvalued?

At $50.01, OFG Bancorp's price is 2% above the $48.90 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 9.84 times earnings and 10.43 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is OFG Bancorp's fair value?

Intrinsiqq's calculator puts OFG Bancorp's fair value at $48.90 a share. It grows book value per share 8.1% a year for 5 years, applies an exit P/B of 1.4, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $36.67. Every input can be changed on the Intrinsic Value tab.

Is OFG Bancorp a high-quality business?

OFG Bancorp scores 67 out of 100 on Intrinsiqq's quality score, which makes it a solid business on these measures. The score blends 7 checks computed from SEC filings. Its best check is book value growth at 16.4%, and its weakest is margin trend at -219.7pp. The Quality tab shows every check against its target.

Does OFG Bancorp (OFG) pay a dividend, and how much?

Yes. OFG Bancorp (OFG) pays a dividend: $1.30 per share over the last twelve months, a dividend yield of 2.59% at the latest close. It has raised its dividend per share for 5 years in a row, growing at 33.8% a year over the last 5 years. The payout takes about 24.9% of earnings.

Source: 10-Q filed 31 Jul 2026 (period ending 30 Jun 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in OFG's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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