Stock AnalizOfg Bancorp OFG
Major Banks · data as of November 13, 2026
Ofg Bancorp (OFG) is a financial company listed in the US with a market value of about $2.2B. In the twelve months to September 30, 2026 it had revenue of $747M and net income of $225M, a net margin of 30.2%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is shareholder returns (5/5); the weakest is future growth (2/5).
Key numbers: a P/E of 9.8, a price to free cash flow of 8.6, 5-year revenue growth of 7% a year, a 5-year average ROIC of 37%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 12% below the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $747M | $731M | $712M | $689M | $614M | $541M | $533M | $405M | $396M | $383M | $366M |
| Net income | $225M | $205M | $198M | $182M | $166M | $146M | $74M | $54M | $84M | $53M | $59M |
| Free cash flow | $250M | $199M | $231M | $278M | $133M | $77M | $20M | $97M | $122M | $145M | $73M |
| EPS (diluted) | $5.25 | $4.58 | $4.23 | $3.83 | $3.44 | $2.81 | $1.32 | $0.92 | $1.52 | $0.88 | $1.03 |
| Net margin | 30.2% | 28.0% | 27.9% | 26.4% | 27.1% | 27.0% | 14.0% | 13.3% | 21.3% | 13.8% | 16.2% |
| ROIC | — | — | — | 38.8% | 39.1% | 33.5% | 37.3% | 26.7% | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $56.25, 9% above the current price; targets range from $53.00 to $58.00; the consensus rating is “none”; expected EPS is $5.31 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Ofg Bancorp’s P/E ratio?
About 9.8, based on the last twelve months of diluted earnings per share (forward P/E about 10.1).
Is Ofg Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 12% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Ofg Bancorp pay a dividend?
Yes. The dividend yield is about 3.13%, and it has paid dividends for 10 years in our data.
Is Ofg Bancorp a good stock to buy?
We do not give buy or sell advice. Ofg Bancorp scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.