/OFG
OFG Bancorp
OFG • NYSEOFG • NYSE • Financial Services
$41.35+0.63%+0.26
$41.35+0.63%(+0.26)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
65Bullish
Risk
92Low Risk
Momentum
53Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
71.2%▲0.9pp
Revenue after COGS
Operating
30.8%▼0.0pp
After operating expenses
Net
23.8%▼0.3pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
9.3
Price vs earnings
EV/EBITDA
5.1
Enterprise value
FCF Yield
10.4%
Cash generation
Earnings Yield
10.7%
Inverse of P/E
Capital Efficiency
11
GoAI Quality ScoreFair
ROEReturn on Equity
14.8%Fair
ROAReturn on Assets
1.6%Fair
ROICReturn on Invested Capital
11.8%Strong
Financial Health
Current RatioWeak
0.12
Short-term solvency (>1.5)
Net Debt / EBITDANet Cash
-1.61x
Debt repayment capacity (<3x)
Income QualityStrong
1.06
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $862.62M | $822.77M | $728.15M | $598.51M | $539.08M |
| Gross Profit | $614.52M | $578.69M | $579.50M | $540.89M | $497.03M |
| Gross Margin | 71.2% | 70.3% | 79.6% | 90.4% | 92.2% |
| Operating Income | $266.01M | $253.75M | $265.25M | $244.10M | $214.60M |
| Net Income | $205.10M | $198.17M | $181.87M | $166.24M | $146.15M |
| Net Margin | 23.8% | 24.1% | 25.0% | 27.8% | 27.1% |
| EPS | $4.53 | $4.25 | $3.85 | $3.46 | $2.85 |
Average Price Target
$45.50▲ 10.0% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for OFG Bancorp, the average price target is $45.50, with a high forecast of $50.00 and a low forecast of $43.00. The average price target represents a 10.0% increase from the current price of $41.35.
Highest
$50.00
Average
$45.50
Lowest
$43.00
Rating Distribution
Strong Buy
0
0%
Buy
9
75%
Hold
3
25%
Sell
0
0%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Truist Securities● Maintain
Buy
2026-01-26Keefe, Bruyette & Woods▼ Downgrade
Outperform→Market Perform
2026-01-23Wells Fargo● Maintain
Equal Weight
2025-10-27Truist Securities● Maintain
Buy
2025-10-23Keefe, Bruyette & Woods● Maintain
Outperform
2025-10-23Keefe, Bruyette & Woods● Maintain
Outperform
2025-07-18Wells Fargo● Maintain
Equal Weight
2025-07-10Keefe, Bruyette & Woods● Maintain
Outperform
2025-04-24Piper Sandler● Maintain
Overweight
2025-04-24Wells Fargo▼ Downgrade
Overweight→Equal Weight
2025-04-09Earnings History & Surprises
BEAT RATE
88%
Last 17 quarters
AVG SURPRISE
+9.9%
EPS vs Estimate
BEATS / MISSES
15/2
Last 17 quarters
LATEST EPS
$1.27
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+9.5%
$1.27 vs $1.16
Q4 '25
-0.9%
$1.16 vs $1.17
Q3 '25
+9.5%
$1.15 vs $1.05
Q2 '25
+3.3%
$1.00 vs $0.97
Q1 '25
No data
Q4 '24
-2.0%
$1.00 vs $1.02
Q3 '24
+12.5%
$1.08 vs $0.96
Q2 '24
+10.5%
$1.05 vs $0.95
Q1 '24
+1.1%
$0.94 vs $0.93
Q4 '23
+1.1%
$0.95 vs $0.94
Q3 '23
+5.7%
$0.93 vs $0.88
Q2 '23
+11.6%
$0.96 vs $0.86
No investor questions available.
Latest News
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