OFG
Bearish signalScored 2026-08-16 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
OFG Bancorp
- Nom
- OFG Bancorp
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $2.2B
- Employés
- 2,185
- PDG
- José Rafael Fernández
- Site web
- https://www.ofgbancorp.com
- Marché
- BLXCHCOEFSCFCFFRMENIC
OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans. Beyond traditional lending and deposits, OFG Bancorp also provides financial planning, insurance, and trust services for both corporate and individual clients, as well as retirement plan administration. The firm extends its offerings to securities brokerage and investment advisory, assisting retail and institutional investors with various investment vehicles, including tax-advantaged fixed income instruments, mutual funds, stocks, and bonds. This segment also manages separately-managed accounts and offers mutual fund asset allocation programs. Furthermore, OFG Bancorp is engaged in insurance agency and reinsurance activities, and its Treasury segment actively manages an investment portfolio composed of mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. It also participates in and manages public and private placements of debt and equity. Additional services encompass money management and investment banking. The company also oversees asset/liability management strategies, which involve the purchase and sale of investment securities, interest rate risk management, derivatives, and various borrowing activities. Founded in 1964 and headquartered in San Juan, Puerto Rico, OFG Bancorp serves its customers through a network of 50 branches in Puerto Rico and two branches in the U.S. Virgin Islands.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 56 352 titres (~2 957 773,40 $ US)
- Insiders
- De Jesus NestorFERNANDEZ JOSE RAFAEL
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$3,491,253
Avg sell (VWAP, 90d window) $52.62 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-12
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-14 | Arizmendi Maritza | Sell · S | 10,000 | $53.35 | $533,480 | Form 4 |
| 2026-08-12 | De Jesus Nestor | Sell · S | 4,000 | $53.00 | $212,000 | Form 4 |
| 2026-07-24 | FERNANDEZ JOSE RAFAEL | Sell · S | 52,352 | $52.45 | $2,745,773 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-08-16 Drivers: fundamentals. Moteurs : fondamentaux.
OFG posted a genuine Q2 2026 earnings beat (EPS $1.39 vs $1.18 est.) with solid net interest margins and institutional accumulation by Dimensional, generating a meaningful but confidence-discounted catalyst signal.
The first sentence of the analysis written for OFG on 2026-08-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.12 · operating margin 31% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 71.2% | 70.3% | 79.6% | 90.4% | 92.2% | |
| Ebit Margin | 30.8% | 30.9% | 36.3% | 40.8% | 39.8% | |
| Ebitda Margin | 33.1% | 34.1% | 40.1% | 44.9% | 44.2% | |
| Operating Profit Margin | 30.8% | 30.8% | 36.4% | 40.8% | 39.8% | |
| Pretax Profit Margin | 27.1% | 30.8% | 36.4% | 40.8% | 39.8% | |
| Continuous Operations Profit Margin | 23.8% | 24.1% | 25.0% | 27.8% | 27.1% | |
| Net Profit Margin | 23.8% | 24.1% | 25.0% | 27.8% | 27.1% | |
| Bottom Line Profit Margin | 23.8% | 24.1% | 25.0% | 27.8% | 26.9% | |
| Current Ratio | 0.115 | 0.317 | 0.305 | 0.239 | 0.305 | |
| Quick Ratio | 0.115 | 0.317 | 0.305 | 0.239 | 0.305 | |
| Solvency Ratio | 0.020 | 0.022 | 0.021 | 0.022 | 0.019 | |
| Cash Ratio | 0.098 | 0.061 | 0.077 | 0.063 | 0.233 | |
| Price To Earnings Ratio | 9.046 | 9.958 | 9.735 | 7.965 | 9.319 | |
| Price To Earnings Growth Ratio | 1.373 | 0.958 | 0.864 | 0.372 | 0.080 | |
| Forward Price To Earnings Growth Ratio | 1.373 | 0.958 | 0.864 | 0.372 | 0.080 | |
| Price To Earnings Diluted Ratio | 9.127 | 10.005 | 9.812 | 8.012 | 9.452 | |
| Price To Earnings Diluted Growth Ratio | 1.485 | 0.932 | 0.888 | 0.357 | 0.084 | |
| Price To Book Ratio | 1.373 | 1.573 | 1.484 | 1.270 | 1.266 | |
| Price To Sales Ratio | 2.213 | 2.399 | 2.433 | 2.212 | 2.511 | |
| Price To Free Cash Flow Ratio | 9.575 | 9.363 | 6.376 | 9.919 | 17.579 | |
| Price To Operating Cash Flow Ratio | 8.767 | 7.817 | 5.991 | 8.050 | 13.528 | |
| Debt To Assets Ratio | 0.047 | 0.037 | 0.020 | 0.006 | 0.010 | |
| Debt To Equity Ratio | 0.418 | 0.337 | 0.188 | 0.052 | 0.089 | |
| Debt To Capital Ratio | 0.295 | 0.252 | 0.159 | 0.050 | 0.082 | |
| Long Term Debt To Capital Ratio | 0.247 | 0.206 | 0.144 | 0.025 | 0.057 | |
| Financial Leverage Ratio | 8.968 | 9.169 | 9.505 | 9.419 | 9.259 | |
| Working Capital Turnover Ratio | -0.108 | -0.123 | -0.109 | -0.095 | -0.091 | |
| Operating Cash Flow Ratio | 0.021 | 0.026 | 0.030 | 0.019 | 0.012 | |
| Operating Cash Flow Sales Ratio | 0.252 | 0.307 | 0.406 | 0.275 | 0.186 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.916 | 0.835 | 0.940 | 0.812 | 0.770 | |
| Debt Service Coverage Ratio | 0.938 | 0.949 | 2.368 | 5.693 | 4.066 | |
| Interest Coverage Ratio | 1.542 | 1.568 | 3.014 | 7.288 | 5.130 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.162 | 3.357 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.375 | 0.598 | 1.315 | 3.023 | 1.052 | |
| Capital Expenditure Coverage Ratio | 11.844 | 6.053 | 16.557 | 5.305 | 4.340 | |
| Dividend Paid And Capex Coverage Ratio | 3.099 | 2.890 | 5.022 | 2.692 | 2.272 | |
| Dividend Payout Ratio | 0.253 | 0.230 | 0.225 | 0.181 | 0.144 | |
| Enterprise Value Multiple | 5.081 | 6.435 | 4.276 | 3.083 | -2.411 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 71.2% | ▲0.9% | ▼-9.5% |
| Ebit Margin | 30.8% | ▼-0.1% | ▼-4.9% |
| Ebitda Margin | 33.1% | ▼-1.0% | ▼-6.2% |
| Operating Profit Margin | 30.8% | -0.0% | ▼-4.9% |
| Pretax Profit Margin | 27.1% | ▼-3.7% | ▼-7.9% |
| Continuous Operations Profit Margin | 23.8% | ▼-0.3% | ▼-1.8% |
| Net Profit Margin | 23.8% | ▼-0.3% | ▼-1.8% |
| Bottom Line Profit Margin | 23.8% | ▼-0.3% | ▼-1.7% |
| Current Ratio | 0.115 | ▼-0.202 | ▼-0.141 |
| Quick Ratio | 0.115 | ▼-0.202 | ▼-0.141 |
| Solvency Ratio | 0.020 | ▼-0.002 | ▼-0.001 |
| Cash Ratio | 0.098 | ▲0.037 | ▼-0.008 |
| Price To Earnings Ratio | 9.046 | ▼-0.911 | ▼-0.158 |
| Price To Earnings Growth Ratio | 1.373 | ▲0.415 | ▲0.644 |
| Forward Price To Earnings Growth Ratio | 1.373 | ▲0.415 | ▲0.644 |
| Price To Earnings Diluted Ratio | 9.127 | ▼-0.878 | ▼-0.154 |
| Price To Earnings Diluted Growth Ratio | 1.485 | ▲0.553 | ▲0.736 |
| Price To Book Ratio | 1.373 | ▼-0.200 | ▼-0.020 |
| Price To Sales Ratio | 2.213 | ▼-0.186 | ▼-0.141 |
| Price To Free Cash Flow Ratio | 9.575 | ▲0.212 | ▼-0.987 |
| Price To Operating Cash Flow Ratio | 8.767 | ▲0.951 | ▼-0.063 |
| Debt To Assets Ratio | 0.047 | ▲0.010 | ▲0.023 |
| Debt To Equity Ratio | 0.418 | ▲0.081 | ▲0.201 |
| Debt To Capital Ratio | 0.295 | ▲0.043 | ▲0.127 |
| Long Term Debt To Capital Ratio | 0.247 | ▲0.041 | ▲0.111 |
| Financial Leverage Ratio | 8.968 | ▼-0.201 | ▼-0.296 |
| Working Capital Turnover Ratio | -0.108 | ▲0.015 | ▼-0.003 |
| Operating Cash Flow Ratio | 0.021 | ▼-0.005 | ▼-0.001 |
| Operating Cash Flow Sales Ratio | 0.252 | ▼-0.054 | ▼-0.033 |
| Free Cash Flow Operating Cash Flow Ratio | 0.916 | ▲0.081 | ▲0.061 |
| Debt Service Coverage Ratio | 0.938 | ▼-0.011 | ▼-1.865 |
| Interest Coverage Ratio | 1.542 | ▼-0.026 | ▼-2.166 |
| Short Term Operating Cash Flow Coverage Ratio | 2.162 | ▼-1.195 | ▲1.058 |
| Operating Cash Flow Coverage Ratio | 0.375 | ▼-0.223 | ▼-0.897 |
| Capital Expenditure Coverage Ratio | 11.844 | ▲5.791 | ▲3.024 |
| Dividend Paid And Capex Coverage Ratio | 3.099 | ▲0.209 | ▼-0.096 |
| Dividend Payout Ratio | 0.253 | ▲0.023 | ▲0.046 |
| Enterprise Value Multiple | 5.081 | ▼-1.353 | ▲1.788 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.91B | $1.97B | $1.77B | $1.32B | $1.35B | |
| Enterprise value | $1.45B | $1.81B | $1.25B | $827.9M | -$575.0M | |
| EV / Sales | 1.68x | 2.19x | 1.71x | 1.38x | -1.07x | |
| EV / Op. cash flow | 6.66x | 7.15x | 4.22x | 5.03x | -5.75x | |
| EV / Free cash flow | 7.27x | 8.56x | 4.49x | 6.20x | -7.47x | |
| EV / EBITDA | 5.08x | 6.43x | 4.28x | 3.08x | -2.41x | |
| Net debt / EBITDA | -1.61x | -0.60x | -1.79x | -1.85x | -8.08x | |
| Current ratio | 0.12x | 0.32x | 0.30x | 0.24x | 0.30x | |
| Income quality | 1.06x | 1.27x | 1.63x | 0.99x | 0.69x | |
| Graham number | $54 | $51 | $47 | $41 | $37 | |
| Graham net-net | -$213 | -$156 | -$153 | -$141 | -$123 | |
| Tax burden | 87.6% | 78.1% | 68.6% | 68.1% | 68.1% | |
| Interest burden | 88.0% | 99.7% | 100.3% | 100.0% | 100.0% | |
| Working capital | -$9.37B | -$6.61B | -$6.78B | -$6.61B | -$6.05B | |
| Invested capital | -$9.19B | -$6.31B | -$6.50B | -$6.32B | -$5.76B | |
| Return on assets | 1.6% | 1.7% | 1.6% | 1.7% | 1.5% | |
| Operating ROA | 2.2% | 2.2% | 2.5% | 2.5% | 2.2% | |
| Return on tangible assets | 1.7% | 1.7% | 1.6% | 1.7% | 1.5% | |
| Return on equity | 14.8% | 15.8% | 15.2% | 15.9% | 13.7% | |
| Return on invested capital | 11.8% | 10.5% | 11.5% | 14.8% | 12.2% | |
| Return on capital employed | 14.2% | 13.9% | 16.8% | 21.7% | 17.9% | |
| Earnings yield | 10.7% | 10.0% | 10.3% | 12.6% | 10.8% | |
| Free cash flow yield | 10.4% | 10.7% | 15.7% | 10.1% | 5.7% | |
| Capex / Op. cash flow | 8.4% | 16.5% | 6.0% | 18.8% | 23.0% | |
| Capex / Depreciation | 72.4% | 155.7% | 65.4% | 127.5% | 96.3% | |
| Capex / Sales | 2.1% | 5.1% | 2.5% | 5.2% | 4.3% | |
| SG&A / Sales | 21.2% | 22.0% | 24.2% | 26.9% | 28.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.9% | 0.7% | 0.7% | 1.2% | |
| Intangibles / Total assets | 0.8% | 1.5% | 1.4% | 1.7% | 1.7% | |
| Days sales outstanding | 69d | 32d | 36d | 38d | 38d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 69d | 32d | 36d | 38d | 38d | |
| Cash conversion cycle | 69d | 32d | 36d | 38d | 38d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-17 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?
- 2026-07-29 OFG Bancorp $OFG Shares Bought by Dimensional Fund Advisors LP Dimensional Fund Advisors LP increased its stake in OFG Bancorp (NYSE: OFG) by 1.1% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor owned 2,565,784 shares of the bank''s stock after acquiring an additional 27,774 shares during the period. Dimensional
- 2026-07-27 OFG Bancorp (OFG) is a Great Momentum Stock: Should You Buy? Does OFG Bancorp (OFG) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-23 Why OFG (OFG) Might be Well Poised for a Surge OFG Bancorp (OFG) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
- 2026-07-22 OFG Bancorp Declares Regular Quarterly Common Stock Dividend SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG) today announced its Board of Directors declared a regular quarterly cash dividend of $0.35 per common share for the quarter ending September 30, 2026. The dividend is payable October 15, 2026, to holders of record at September 30, 2026. About OFG Bancorp Now in its 62nd year in business, OFG Bancorp is a diversified financial holding company that operates under U.S., Puerto Rico and U.S. Virgin Islands banking laws and regulations.
- 2026-07-21 OFG Bancorp: Solid Margins, Big Premium OFG Bancorp delivered a Q2 earnings and revenue beat, supported by robust net interest margins and disciplined expense management. OFG trades at a substantial premium to tangible book value ($52 vs. $31.12), justifying a Hold rating despite strong operational performance. Loan and deposit growth remained modest but positive, with net interest margin expanding to an impressive 5.45%.
- 2026-07-21 OFG Bancorp (OFG) Q2 2026 Earnings Call Transcript OFG Bancorp (OFG) Q2 2026 Earnings Call Transcript
- 2026-07-21 OFG Bancorp Q2 Earnings Call Highlights OFG Bancorp NYSE: OFG reported what executives described as a strong second quarter, with earnings per share up 21% from a year earlier and core revenue rising 4%, supported by loan growth, core deposit expansion, stable credit quality and balance sheet management.
- 2026-07-21 OFG Bancorp (OFG) Tops Q2 Earnings and Revenue Estimates OFG Bancorp (OFG) came out with quarterly earnings of $1.39 per share, beating the Zacks Consensus Estimate of $1.18 per share. This compares to earnings of $1.15 per share a year ago.
- 2026-07-21 OFG Bancorp Reports 2Q26 Results SAN JUAN, Puerto Rico--(BUSINESS WIRE)--OFG Bancorp (NYSE: OFG), the financial holding company for Oriental Bank, today reported results for the second quarter ended June 30, 2026. EPS diluted of $1.39 compared to $1.26 in 1Q26 and $1.15 in 2Q25. Total core revenues of $190.3 million compared to $185.8 million in 1Q26 and $182.2 million in 2Q25.CEO CommentJosé Rafael Fernández, Chief Executive Officer, said: “With year-over-year increases of 20.9% in EPS and 4.5% in core revenues, second quarter.