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OFG Bancorp(NYSE) OFG

Current Price$52.25
Market Cap$2.20BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+9,474%
5 Year+173%
1 Year+21%
1 Month+11%
OFG Bancorp last closing stock price
MetricPriceDate
Last closeUSD 52.122026-07-22
OFG Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.26%USD 49.992026-07-15
1 month+11.24%USD 46.852026-06-22
3 month+13.87%USD 45.772026-04-23
Year to date+29.23%USD 40.332025-12-31
1 year+20.71%USD 43.182025-07-22
3 year+68.33%USD 30.962023-07-21
5 year+172.57%USD 19.122021-07-23
Since inception+9,473.89%USD 0.541992-06-19

OFG Bancorp Financials at a Glance

Market Cap

$2.20BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$902.51M

Net Income (TTM)

$220.45M

EPS (TTM)

$5.08

P/E Ratio

10.27

Dividend

$1.30

Beta (Volatility)

0.85 (Low)

Price

$52.25

Volume

7,999

Open

$51.81

Previous Close

$52.12

Daily Range

$51.30 - $52.41

52-Week Range

$35.71 - $53.20

Estimated Earnings Date

Oct 21, 2026

OFG News

featured-earnings-leadership-highlights.png

OFG Bancorp Reports Record Q2 Results

Motley Fool Markets TeamJul 17, 2025

This Small Bank Is Very Popular With Big-Name Hedge Funds

Jay JenkinsSep 4, 2015

OFG Is A-OK With New Dividend

Rich DupreyAug 29, 2013

The Smart Money's Top 8 Banking Stocks

Kapit allNov 8, 2010

OFG: Motley Fool Moneyball Superscore

69

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About OFG Bancorp

OFG helps people in Puerto Rico manage their money. It provides loans for cars, homes, and businesses. The bank offers simple digital tools for banking.

What the Bank Does

  • Banking Services: Includes checking and savings accounts along with commercial, auto, and mortgage loans for clients in Puerto Rico and the US Virgin Islands.
  • Wealth Management: Provides securities brokerage, investment advice, insurance agency services, and trust management through specialized subsidiaries.
  • Treasury Operations: Manages an investment portfolio of government bonds and mortgage-backed securities to maintain financial stability.

Expanding the Business

  • Expanded US operations through OFG USA to manage industrial loans for medium-sized businesses in the mainland United States.
  • Sold the rights to service retirement plans through Oriental Pension Consultants in December 2022 to simplify the business focus.
  • Adjusted operations in July 2024 to comply with the Durbin Amendment, a federal law that caps the fees banks can charge for debit card transactions.

Modern Banking Tech

OFG operates 42 branches in Puerto Rico while shifting toward a digital-first banking model. The company uses advanced data analytics to track financial patterns and provide personalized coaching to customers through its mobile apps.

Recent Financial Performance

  • Revenue reached $226.4 million in Q1 2026, up 9.5% from Q1 2025.
  • Net income was $53.9 million in Q1 2026, an 18.4% increase year-over-year.
  • Operating income hit $68.8 million in Q1 2026, up 15.7% from the previous year.
  • Gross profit rose to $163.6 million in Q1 2026, up 16% from Q1 2025.

Bottom Line

OFG has evolved from a local savings and loan into a digital-focused financial firm with diversified lending in both Puerto Rico and the United States. Its adaptability and focus on operational excellence support its position as a major regional bank.

AI Generated • Apr 28, 2026

Industry

Banks

Sector

Financials

Employees

2,185

CEO

José Rafael Fernández Martinez, MBA

Website

www.ofgbancorp.com

Headquarters

San Juan, PR 00918, PR

OFG Financials

Key Financial Metrics (TTM)

Gross Margin

74.09%

Operating Margin

31.46%

Net Income Margin

24.43%

Return on Equity

15.92%

Return on Capital

13.50%

Return on Assets

1.81%

Earnings Yield

9.74%

Dividend Yield

2.49%

Payout Ratio

24.26%

Stock Overview

Market Cap

$2.20BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

42.26M

Volume

8.00K

Avg. Volume

346.57K

Financials (TTM)

Gross Profit

$668.70M

Operating Income

$283.96M

EBITDA

$302.52M

Operating Cash Flow

$207.77M

Capital Expenditure

-$18.39M

Free Cash Flow

$189.38M

Cash & ST Invst.

$3.44B

Total Debt

$577.99M

OFG Bancorp Performance Analysis

OFG Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 649,410,0009.8%
20232023-12-31USD 776,949,00019.6%
20242024-12-31USD 870,514,00012.0%
20252025-12-31USD 902,886,0003.7%
OFG Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.0%
Q42025-12-315.6%
Q12026-03-31-1.0%
Q22026-06-301.9%
OFG Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.4321.7%
20232023-12-31USD 3.8211.4%
20242024-12-31USD 4.2310.5%
20252025-12-31USD 4.588.5%
OFG Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.9%
Q42025-12-311.7%
Q12026-03-316.8%
Q22026-06-3010.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$230.65M

+9.7%

Gross Profit

$177.79M

+21.6%

Gross Margin

77.08%

N/A

Market Cap

$2.20BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$990.78K

N/A

Employees

2,223

N/A

Net Income

$58.78M

+13.5%

EBITDA

$74.48M

+3.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$3.44B

+5.6%

Total Debt

$577.99M

+8.9%

Accounts Receivable

$175.06M

+5.0%

Inventory

$0.00

N/A

Long Term Debt

$21.38M

-95.8%

Short Term Debt

$556.62M

+1926.8%

Return on Assets

1.81%

N/A

Return on Invested Capital

17.58%

N/A

Free Cash Flow

$68.77M

-12.6%

Operating Cash Flow

$73.12M

-12.0%

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Questions About OFG

What is the current price of OFG Bancorp?

OFG Bancorp is trading at $52.25 per share.

What is the 52-week range for OFG Bancorp?

Over the past 52 weeks, OFG Bancorp has traded between $35.71 and $53.20.

How much debt does OFG Bancorp have?

As of the most recent reporting period, OFG Bancorp reported total debt of $577.99M.

How much cash does OFG Bancorp have on hand?

OFG Bancorp does not have cash on hand data available.

What is OFG Bancorp’s dividend yield?

OFG Bancorp currently has a dividend yield of 2.49%.

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