profit from every $100 of sales.
$0$100
OFG Bancorp
$51.69+0.68% today
+26.9% in 1 year
1-year low $37.151-year high $53.95
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.55 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What OFG Bancorp sold, what it kept, and what it did with the cash.
Sales went from $565 million in 2022 to $680 million in 2025, with $205 million of profit last year.
SalesProfit
OFG Bancorp handed back 72% of the cash it generated last year.
Buybacks $92M$52M
Free cash flow 2025$199M
Bought back its own shares$92M
Paid as dividends$52M
Cash vs. debt$1.0B vs. $480M
OFG Bancorp vs. similar companies
OFG Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| OFG Bancorp | 10.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads OFG Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 565 | 640 | 661 | 680 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 166 | 182 | 198 | 205 | |
| 3.44 | 3.83 | 4.23 | 4.58 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.4% | 28.4% | 30.0% | 30.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 9,819 | 11,344 | 11,501 | 12,466 |
| Cash | 550 | 748 | 591 | 1,040 |
| Total debt | 54 | 225 | 347 | 480 |
| Total liabilities | 8,776 | 10,151 | 10,246 | 11,076 |
| 1,042 | 1,193 | 1,254 | 1,390 | |
| 48 | 48 | 47 | 45 | |
| – | – | – | – | |
| 15.9% | 15.2% | 15.8% | 14.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 164 | 296 | 253 | 218 | |
| 31 | 18 | 42 | 18 | |
| 133 | 278 | 211 | 199 | |
| Dividends paid | 30 | 41 | 46 | 52 |
| 64 | 19 | 70 | 92 | |
| 4 | 5 | 7 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.5×
- 11.0×
- 1.05
- 1.4×
- 3.2×
- 9.5%
- 2.7%
Profitability
- 30.2%
- 21.4%
- 12.6%
- 15.6%
- 1.8%
Growth
- +6.4%
- +10.0%
- +33.8%
- −2.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 7%of 848
Top 30%of 728
Top 31%of 880
Bottom 43%of 878
Top 31%of 932
What analysts expect
- Average price target
- $44.50
- Range
- $44.00 – $45.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 1.26 | 1.02 | +23.5% |
| Jan 22, 2026 | 1.27 | 1.16 | +9.5% |
| Oct 22, 2025 | 1.16 | 1.17 | −0.9% |
| Jul 17, 2025 | 1.15 | 1.05 | +9.5% |
| Apr 23, 2025 | 1.00 | 0.97 | +3.3% |
| Jan 22, 2025 | 1.09 | 0.97 | +12.4% |
| Oct 16, 2024 | 1.00 | 1.02 | −2.0% |
| Jul 18, 2024 | 1.08 | 0.96 | +12.5% |
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
+33.8%2020 to 2025
Raised5 yearsin a row, in our data
Paid per share, each year
$0.36 in 2015 → $1.20 in 2025
How safe it looks
25.3% of its profit
Room to growStretchedMore than it earns: 26.0%
News
Cathay General Bancorp declares $0.38 dividendSeeking Alpha · Nov 14, 2026Fifth Third Bancorp Eyes Texas Growth and AI Gains After Comerica IntegrationYahoo Finance · Nov 6, 2026Hope Bancorp declares $0.14 dividendSeeking Alpha · Oct 28, 2026NBT Bancorp declares $0.40 dividendSeeking Alpha · Oct 27, 2026Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
77Pass
Benjamin Graham
88Pass
Philip Fisher
80Pass
Peter Lynch
62Pass
Joel Greenblatt
47No pass
Charlie Munger
81Pass
Terry Smith
72Pass
Questions about OFG Bancorp
Is OFG Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the OFG Bancorp AI analysis
What does OFG Bancorp do?
OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. It is in Banks - Regional.
Does OFG Bancorp pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 25% of its yearly profit. In 2025 it paid out $51.9 million in dividends.
Is OFG Bancorp stock halal?
No. OFG Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has OFG Bancorp stock done over the past year?
Up 26.9% over the past twelve months, to $51.69. It traded between $37.15 and $53.95 and is 4.2% below its high.
Who are OFG Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with OFG Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.