OFG BANCORP (OFG)
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OFG Bancorp is a financial holding company that provides banking and related financial services, primarily in Puerto Rico. Through its operating subsidiaries, the company serves individuals, small businesses, commercial clients, and institutions with a mix of lending, deposit, wealth, insurance, and treasury services. Its business is closely connected to the Puerto Rican economy, local credit demand, interest rate conditions, and the financial health of households and businesses on the island.
The company’s largest operating area is Banking, which includes commercial loans, consumer loans, auto finance, mortgages, checking accounts, savings products, and other core banking services. This segment typically drives the majority of revenue through interest income, fees, and customer relationships. OFG also competes for deposits and loan growth against other banks and financial institutions serving Puerto Rico.
Its Wealth Management activities broaden the customer offering beyond traditional banking. These services include financial planning, investment brokerage, insurance-related products, trust services, and retirement solutions for corporate and individual clients. The Treasury segment manages liquidity, investments, funding, and balance-sheet activities, helping support the bank’s overall financial position and interest rate exposure.
OFG Bancorp’s distinctive profile comes from its focused regional presence. Rather than operating as a large mainland US bank, it concentrates on Puerto Rico, where local market knowledge, branch and digital access, credit underwriting, and customer relationships are central to performance. Investors typically assess the company through loan quality, net interest margin, deposit trends, capital strength, and Puerto Rico’s broader economic outlook.
Last updated
- Market Cap
- 1.93B
- P/E
- 9.02
- P/FCF
- 10.09
- P/S
- 2.11
- Enterprise Value
- 1.75B
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 254 MU?OZ RIVERA AVENUE, SAN JUAN, PR, 00918
Issue of Equity and Total Voting Rights
Total Voting Rights and Capital
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Issue of Equity and Total Voting Rights
Total Voting Rights and Capital
OFG (OFG) Upgraded to Buy: What Does It Mean for the Stock?
Half-Yearly Results
Total Voting Rights and Capital
Board of Directors
Total Voting Rights and Capital
Publication of Prospectus
Portfolio Update
Total Voting Rights and Capital
Intention to Fundraise
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 1.93B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 1.75B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 9.02
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.41
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 2.11
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 7.19
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 1.92
- EPS
- 5.05
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.78%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 10.09
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 9.27
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 190.8M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 15.62%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.77%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.33
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 7.5
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 7.5
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 1.38
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 279.62K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 45.57
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 226.29M | 228.8M | 231.6M | 224.78M | 218.74M |
| Gross profit | 185.98M | 184.32M | 186.18M | 182.36M | 178.59M |
| Operating income | 68.79M | 47.42M | 61.37M | 65.88M | 59.45M |
| EBITDA | 68.79M | 47.42M | 61.37M | 65.88M | 59.45M |
| Net income | 53.94M | 55.89M | 51.84M | 51.8M | 45.57M |
| Basic EPS | 1.26 | 1.27 | 1.17 | 1.15 | 1.01 |
| Diluted EPS | 1.26 | 1.27 | 1.16 | 1.15 | 1 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 12.05B | 12.47B | 12.23B | 12.23B | 11.73B |
| Total liabilities | 10.68B | 11.08B | 10.85B | 10.9B | 10.43B |
| Total equity | 1.37B | 1.39B | 1.38B | 1.33B | 1.3B |
| Cash & equivalents | 631.67M | 1.04B | 737.08M | 844.49M | 703.49M |
| Current assets | 3.42B | 3.88B | 3.68B | 3.64B | 3.5B |
| Current liabilities | 456.58M | 456.59M | 456.53M | 456.53M | 255.64M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 73.12M | 59.21M | 39.5M | 35.93M | 83.07M |
| Investing cash flow | -1.39M | 27.88M | -60.08M | -308.86M | -97.32M |
| Financing cash flow | -475.57M | 212.9M | -90.87M | 414.12M | 133.71M |
| Change in cash | -403.84M | 299.99M | -111.45M | 141.2M | 119.46M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Velez-Dominguez Rafael A | View Filing | |
| edgar index | 10-Q — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Vazquez Angel E. | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Garcia Rodriguez Roberto | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | SCHEDULE 13G — OFG BANCORP | View Filing | |
| edgar index | SCHEDULE 13G — OFG BANCORP | View Filing | |
| edgar index | SCHEDULE 13G — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Colon Jorge | View Filing | |
| form 4 | Form 4 — FRANQUI ANNETTE | View Filing | |
| edgar index | 8-K — OFG BANCORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — FERNANDEZ JOSE RAFAEL | View Filing | |
| edgar index | 8-K — OFG BANCORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — De Jesus Nestor | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | SCHEDULE 13G/A — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Arizmendi Maritza | View Filing | |
| form 4 | Form 4 — Gonzalez Hugh | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — Grindstaff Lynda | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| form 4 | Form 4 — FERNANDEZ JOSE RAFAEL | View Filing | |
| form 4 | Form 4 — Ortiz Cesar A | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | S-1 — OFG BANCORP | View Filing | |
| edgar index | FWP — OFG BANCORP | View Filing | |
| form 4 | Form 4 — FERNANDEZ JOSE RAFAEL | View Filing | |
| form 4 | Form 4 — FERNANDEZ JOSE RAFAEL | View Filing | |
| form 4 | Form 4 — FERNANDEZ JOSE RAFAEL | View Filing | |
| form 4 | Form 4 — Ortiz Cesar A | View Filing | |
| form 4 | Form 4 — Ortiz Cesar A | View Filing | |
| form 4 | Form 4 — Ortiz Cesar A | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — Rodriguez Mari Evelyn | View Filing | |
| form 4 | Form 4 — Arizmendi Maritza | View Filing | |
| form 4 | Form 4 — Arizmendi Maritza | View Filing | |
| form 4 | Form 4 — Arizmendi Maritza | View Filing | |
| form 4 | Form 4 — Haggarty Patrick J. | View Filing | |
| form 4 | Form 4 — Haggarty Patrick J. | View Filing | |
| form 4 | Form 4 — Haggarty Patrick J. | View Filing | |
| form 4 | Form 4 — Garcia Ada | View Filing | |
| form 4 | Form 4 — Garcia Ada | View Filing | |
| form 4 | Form 4 — Garcia Ada | View Filing | |
| form 4 | Form 4 — Gonzalez Hugh | View Filing | |
| form 4 | Form 4 — Gonzalez Hugh | View Filing | |
| form 4 | Form 4 — Gonzalez Hugh | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing | |
| edgar index | 4 — OFG BANCORP | View Filing |