OFG

NEUTRAL

$45.96 Live

OFG Bancorp · NYSE

Target $47.75 (+3.9%)

$35.71 52W Range $46.85

OFG OFG Bancorp - Fundamental Analysis

NEUTRAL

Console Chart News

OFG Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$45.96

Analyst Target

$47.75

+3.9% Upside

52W High

$46.85

52W Low

$35.71

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026

Market cap

$1.94B

P/E

9.5

ROE

16.0%

Profit margin

33.6%

Debt/Equity

N/A

Dividend yield

2.83%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

OFG presents a stark divergence between valuation and fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($59.16) and Intrinsic Value ($142.78), the low health score indicates deteriorating financial strength or operational efficiency. This is offset by strong earnings growth (26% YoY) and a highly consistent track record of beating analyst estimates over 25 quarters. The bearish technical trend and poor health score currently neutralize the attractive valuation metrics.

Key Strengths

Significant undervaluation relative to Graham Number ($59.16) and Intrinsic Value ($142.78)

Strong earnings growth (26% YoY) and consistent EPS beats over 25 quarters

Attractive PEG ratio of 0.92, suggesting growth is not fully priced in

Healthy ROE of 16.04% and strong profit margins (33.64%)

Very sustainable dividend payout ratio (25.83%)

Key Risks

Critical fundamental health warning indicated by a Piotroski F-Score of 2/9

Strongly bearish technical trend (10/100)

Low insider sentiment (40/100) with zero recent buy transactions

Exposure to regional banking sector volatility and interest rate risks

Stagnant Q/Q revenue growth (0.21%)

AI Fair Value Estimate

Based on comprehensive analysis

$62.5

+36.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Warning

Key drivers: Extreme valuation discount, Critical health score failure, Strong earnings momentum

Confidence

80%

Value

90/100

Ref P/E 9.50, PEG 0.92, Graham $59.16

Positives

P/E of 9.5 is well below sector average
Price is below Graham Number
PEG < 1.0

Watchpoints

Market is pricing in significant risk

Future

75/100

Ref Growth rates and Earnings track record

Positives

26% YoY Earnings growth
Consistent history of EPS surprises

Watchpoints

Flat Q/Q revenue growth

Past

85/100

Ref Historical price and earnings trends

Positives

Strong 5Y change (+117.7%)
Consistent quarterly beats over 25 quarters

Watchpoints

No urgent risks highlighted.

Health

20/100

Ref Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health

Dividend

65/100

Ref Yield and Payout

Positives

Low payout ratio (25.83%)
Consistent dividend rate

Watchpoints

Moderate yield (2.83%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$45.96

Analyst Target

$47.75

Upside/Downside

+3.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OFG and closest competitors.

Updated 2026-04-30

Company	5Y	3Y	1Y	6M	1M	1W
OFG OFG Bancorp Primary	+117.7%	+97.8%	+19.5%	+21.4%	+13.6%	-0.3%
NWBI Northwest Bancshares, Inc. Peer	+28.2%	+44.7%	+20.2%	+9.1%	+6.2%	-1.3%
LC LendingClub Corporation Peer	+5.5%	+135.0%	+53.6%	-6.4%	+22.2%	-3.0%
EVT Eaton Vance Tax-Advantaged Dividend Income Fund Peer	+41.6%	+47.7%	+26.1%	+8.6%	+5.2%	-1.1%
AAMI Acadian Asset Management Inc. Peer	+169.4%	+146.4%	+115.3%	+38.3%	+14.0%	+1.4%

OFG

OFG Bancorp

Primary

+117.7%

+97.8%

+19.5%

+21.4%

+13.6%

-0.3%

NWB

Northwest Bancshares, Inc.

Peer

+28.2%

+44.7%

+20.2%

+9.1%

+6.2%

-1.3%

LendingClub Corporation

Peer

+5.5%

+135.0%

+53.6%

-6.4%

+22.2%

-3.0%

EVT

Eaton Vance Tax-Advantaged Dividend Income Fund

Peer

+41.6%

+47.7%

+26.1%

+8.6%

+5.2%

-1.1%

AAM

Acadian Asset Management Inc.

Peer

+169.4%

+146.4%

+115.3%

+38.3%

+14.0%

+1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

9.5

9.78

0.92

1.43

3.06

2.97

N/A

$1.94B

Profitability

Profit margins and return metrics

Profit Margin 33.64%

Operating Margin 42.01%

Gross Margin N/A

ROE 16.04%

ROA 1.8%

Growth

Revenue and earnings growth rates

Revenue Growth +6.9%

Earnings Growth +26.0%

Q/Q Revenue Growth +0.21%

Q/Q Earnings Growth +18.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$15.06

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-23

$N/A

2026-04-21

$1.26

+26.6% surprise

2026-01-22

$1.27

+10.4% surprise

2025-10-22

$1.16

-0.8% surprise

Financial Services Sector Comparison

Comparing OFG against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)

P/E Ratio

9.5

This Stock

34.86

Sector Avg

-72.8% (Discount)

Return on Equity (ROE)

16.04%

This Stock

0.29%

Sector Avg

+5387.2% (Excellent)

Profit Margin

33.64%

This Stock

88.25%

Sector Avg

-61.9% (Weaker)

Revenue Growth

6.9%

This Stock

33.02%

Sector Avg

-79.1% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
OFG OFG Bancorp	NEUTRAL	$1.94B	9.5	16.0%	33.6%	$45.96
NWBI Northwest Bancshares, Inc.	BULLISH	$1.94B	14.43	7.2%	21.0%	$13.28	Compare
LC LendingClub Corporation	NEUTRAL	$1.95B	11.25	12.2%	12.8%	$16.87	Compare
EVT Eaton Vance Tax-Advantaged...	NEUTRAL	$1.91B	10.27	9.4%	276.4%	$25.67	Compare
AAMI Acadian Asset Management Inc.	NEUTRAL	$1.98B	23.49	205.6%	15.7%	$55.19	Compare

OFG OFG Bancorp

NEUTRAL

Mkt Cap

$1.9B

P/E

9.5

ROE

16.0%

Price

$45.96

Compare with OFG

LC LendingClub Corporation

Compare with OFG

Compare with OFG

AAMI Acadian Asset...

Compare with OFG

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-23	FERNANDEZ JOSE RAFAEL	Chief Executive Officer	Gift	10,000	-
2026-03-10	ARIZMENDI MARITZA	Chief Financial Officer	Stock Award	1,417	-
2026-03-10	ARIZMENDI MARITZA	Chief Financial Officer	Option Exercise	1,417	$55,731
2026-03-10	HAGGARTY PATRICK J	Officer	Stock Award	717	-
2026-03-10	HAGGARTY PATRICK J	Officer	Option Exercise	717	$28,200
2026-03-10	GONZALEZ HUGH	General Counsel	Stock Award	667	-
2026-03-10	GONZALEZ HUGH	General Counsel	Option Exercise	667	$26,233
2026-03-10	GARCIA ADA	Officer	Stock Award	717	-
2026-03-10	GARCIA ADA	Officer	Option Exercise	717	$28,200
2026-03-10	FERNANDEZ JOSE RAFAEL	Chief Executive Officer	Stock Award	5,150	-
2026-03-10	FERNANDEZ JOSE RAFAEL	Chief Executive Officer	Option Exercise	5,150	$202,550
2026-03-10	ORTIZ CESAR A	Officer	Stock Award	717	-
2026-03-10	ORTIZ CESAR A	Officer	Option Exercise	717	$28,200
2026-03-10	RODRIGUEZ MARI EVELYN	Officer	Stock Award	717	-
2026-03-10	RODRIGUEZ MARI EVELYN	Officer	Option Exercise	717	$28,200

FERNANDEZ JOSE RAFAEL

Chief Executive Officer

Gift

2026-04-23

10,000 shares

ARIZMENDI MARITZA

Chief Financial Officer

Stock Award

2026-03-10

1,417 shares

ARIZMENDI MARITZA

Chief Financial Officer

Option Exercise

2026-03-10

1,417 shares · $55,731

HAGGARTY PATRICK J

Officer

Stock Award

2026-03-10

717 shares

HAGGARTY PATRICK J

Officer

Option Exercise

2026-03-10

717 shares · $28,200

GONZALEZ HUGH

General Counsel

Stock Award

2026-03-10

667 shares

GONZALEZ HUGH

General Counsel

Option Exercise

2026-03-10

667 shares · $26,233

GARCIA ADA

Officer

Stock Award

2026-03-10

717 shares

GARCIA ADA

Officer

Option Exercise

2026-03-10

717 shares · $28,200

FERNANDEZ JOSE RAFAEL

Chief Executive Officer

Stock Award

2026-03-10

5,150 shares

FERNANDEZ JOSE RAFAEL

Chief Executive Officer

Option Exercise

2026-03-10

5,150 shares · $202,550

ORTIZ CESAR A

Officer

Stock Award

2026-03-10

717 shares

ORTIZ CESAR A

Officer

Option Exercise

2026-03-10

717 shares · $28,200

RODRIGUEZ MARI EVELYN

Officer

Stock Award

2026-03-10

717 shares

RODRIGUEZ MARI EVELYN

Officer

Option Exercise

2026-03-10

717 shares · $28,200

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-23

OFG likely filed this 8-K to announce its first-quarter financial results for 2026.

8-K

2026-04-21

OFG filed an 8-K on April 21, 2026, likely to announce its first-quarter financial results.

S-1

2026-03-11

OFG filed an S-1 registration statement on March 11, 2026, indicating its intention to launch an initial public offering (IPO).

DEF 14A

2026-03-03

OFG filed a Definitive Proxy Statement on March 3, 2026, providing shareholders with necessary information to vote on matters at the company's upcoming annual meeting.

10-K

2026-02-25

OFG filed its 10-K annual report on February 25, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

2026-01-22

OFG filed an 8-K on January 22, 2026, likely to announce its financial results for the fiscal year ended December 31, 2025.

10-Q

2025-11-07

OFG filed its 10-Q on November 7, 2025. The provided excerpt contains no specific financial highlights but references the inclusion of risk factors under Item 1A.

8-K

2025-10-22

OFG filed an 8-K on October 22, 2025, likely to announce its third-quarter financial results.

10-Q

2025-08-07

OFG filed its quarterly 10-Q report on August 7, 2025. While the filing includes a section for Risk Factors under Item 1A, no specific financial highlights or detailed risk disclosures were provided in the available excerpt.

8-K

2025-07-17

10-Q

2025-05-08

8-K

2025-05-07

8-K

2025-04-23

DEF 14A

2025-03-19

10-K

2025-02-27

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

4 analysts

Wells Fargo

2026-04-22

Maintains

Equal-Weight Equal-Weight

Piper Sandler

2026-04-22

reit

Neutral Neutral

Truist Securities

2026-04-22

Maintains

Buy Buy

Truist Securities

2026-01-26

Maintains

Buy Buy

Keefe, Bruyette & Woods

2026-01-23

down

Outperform Market Perform

Past News Coverage

Recent headlines mentioning OFG from our newsroom.

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OFG

OFG OFG Bancorp - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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