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    OFG Bancorp

    OFG | NYSE
    Chart Builder DCF Calculator
    $52.24
    $0 (0.00%)
    Sep 22, 2026, 2:31 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

    Market Data

    Market Cap
    $2.21B
    Enterprise Value
    $-656.45M
    Beta
    0.70
    Average Volume
    311.75K
    Shares Outstanding (Diluted)
    42.4M
    Shares Change YoY
    -5.85%
    Institutional Ownership
    94.98%
    Exchange
    NYSE
    ISIN
    PR67103X1020

    Price Performance

    Price Change 1M
    0.3%
    Price Change 3M
    8.8%
    Price Change 6M
    29.3%
    Price Change YTD
    27.4%
    Price Change 1Y
    17.5%
    Price Change 3Y
    83.8%
    Price Change 5Y
    116.6%
    1M CAGR (ann.)
    -0.1%
    1Y CAGR (ann.)
    20.1%
    5Y CAGR (ann.)
    20.9%
    All-Time CAGR
    10.3%

    Valuation

    PE Ratio
    10.47
    Forward PE
    9.11
    PEG Ratio
    0.59
    Forward PEG
    11.48
    PS Ratio
    2.45
    Forward PS
    2.90
    PB Ratio
    1.57
    P/FCF Ratio
    11.66
    P/Adj. FCF Ratio
    12.04
    P/OCF Ratio
    9.82
    EV/Sales
    -0.73
    EV/EBIT
    -2.31
    EV/EBITDA
    -2.17
    EV/FCF
    -3.47
    Earnings Yield
    9.6%
    FCF Yield
    8.6%
    Adj. FCF Yield
    8.3%

    Financial Health

    Net Cash
    $2.89B
    Total Debt
    $577.99M
    Cash & Short-Term Investments
    $3.44B
    Total Assets
    $12.15B
    Current Ratio
    0.35
    Quick Ratio
    0.35
    Debt / Equity Ratio
    0.41
    Debt / EBITDA
    1.91
    Debt / FCF
    3.05
    OCF / Debt
    0.36
    Interest Coverage
    1.67
    Altman Z-Score
    -0.29
    Piotroski F-Score
    8

    Margins & Profitability

    Gross Profit Margin
    74.1%
    Operating Profit Margin
    31.5%
    EBITDA Margin
    34.2%
    Net Profit Margin
    24.4%
    FCF Margin
    21.0%
    Adj. FCF Margin
    20.3%
    SBC / Revenue
    0.7%
    SBC Impact (per share)
    -3.2%

    Returns

    Return on Assets
    1.8%
    Return on Equity
    15.9%
    Return on Invested Capital
    11.4%
    Return on Capital Employed
    17.6%
    Return on Tangible Assets
    1.8%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    10.8%
    Revenue CAGR 5Y
    11.1%
    Revenue CAGR 10Y
    7.6%
    EPS CAGR 3Y
    10.2%
    EPS CAGR 5Y
    16.9%
    EPS CAGR 10Y
    28.1%
    FCF CAGR 3Y
    7.5%
    FCF CAGR 5Y
    16.7%
    FCF CAGR 10Y
    9.0%

    Analyst Forecasts

    Analyst Rating
    Buy
    Analyst Count
    12
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Oct 20, 2026
    EPS Estimate (next Q)
    $1.23
    EPS Growth Est (next Q)
    6.0%
    Revenue Est (next Q)
    $187.18M
    Revenue Growth Est (next Q)
    9.3%

    Fair Value Estimates

    Graham Number
    $61.15
    Graham Upside
    17.1%
    Lynch Fair Value
    $84.13
    Lynch Upside
    61.0%
    Price Target
    $56.33
    Price Target Upside
    7.8%

    Cash Flow

    Operating Cash Flow
    $207.77M
    Free Cash Flow
    $189.38M
    Adj. Free Cash Flow
    $183.38M
    FCF Per Share
    $4.80
    OCF Per Share
    $5.32
    OCF/S Ratio
    24.9%

    Income Statement

    Revenue
    $902.51M
    Gross Profit
    $668.7M
    Operating Income
    $283.96M
    EBITDA
    $302.52M
    Net Income
    $220.45M
    EPS (Diluted)
    $4.99
    Revenue / Employee
    $413.05K
    Profit / Employee
    $100.89K
    Employees
    2,185

    Dividends

    Annual Dividend
    $1.30
    Dividend Yield
    2.49%
    Payout Ratio
    26.1%
    FCF Payout Ratio
    28.2%
    Adj. FCF Payout Ratio
    29.2%
    Dividend Growth (YoY)
    18.2%
    Pay Frequency
    Quarterly
    Ex-Dividend Date
    Sep 29, 2026

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