Stocktoria

OFG BANCORP OFG

NYSE · stock · State Commercial Banks · website · IPO 1987-03-26 · LEI

OFG BANCORP statistics & valuation

Market cap$2.1B
P / E10.1×
P / B1.5×
P / FCF10.4×
Dividend yield2.51%
Return on equity14.8%
Graham number +7%$56.57

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($56.57); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.40% 5.60% 8.40% 5.10% 6.80% 13.70% 15.90% 15.20% 15.80% 14.80% 2016201720182019202020212022202320242025
Shares outstanding
43.9M 43.9M 51.3M 51.7M 51.6M 51.4M 48.4M 47.6M 46.9M 44.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.90% 1.30% 0.60% 0.80% 1.50% 1.70% 1.60% 1.70% 1.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.03 $0.88 $1.52 $0.92 $1.32 $2.81 $3.44 $3.83 $4.23 $4.58 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

OFG BANCORP trades at about 11.5× earnings — near its 10-year norm (10-year range 8.2×–21.4×, median 12.7×).

8.2× 21.4×

Shaded band = 10-year range (8.2×–21.4×); dot = today's 11.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.6%1.7%1.6%1.7%1.5%0.8%0.6%1.3%0.9%0.9%
Return on equity14.8%15.8%15.2%15.9%13.7%6.8%5.1%8.4%5.6%6.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.