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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| OFG | +9.2% | +206.28% | +25.09% | +7,470% |
| S&P | +15.06% | +95.03% | +14.29% | +1,569% |
OFG Bancorp is a holding company, which engages in the provision of banking and financial services. It operates through the following segments: Banking, Wealth Management, and Treasury. The Banking segment includes its branches and traditional banking products such as deposits and commercial, consumer, and mortgage loans. The Wealth Management segment is involved in financial planning, money management and investment banking, brokerage services, insurance sales activity, corporate and individual trust and retirement services, and retirement plan administration services. The Treasury segment encompasses all its asset and liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
Can this Puerto Rican bank overcome its profit and credit quality problems? Several large hedge funds think so.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $224.47M | 1.6% |
| Market Cap | $1.92B | 9.2% |
| Market Cap / Employee | $0.87M | 10.0% |
| Employees | 2.2K | -0.8% |
| Net Income | $51.80M | 1.3% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $470.85M | 114.8% |
| Short Term Debt | $30.97M | -84.8% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.66% | -0.1% |
| Return On Invested Capital | 12.56% | 2.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $31.78M | -64.8% |
| Operating Free Cash Flow | $35.93M | -62.2% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 10.90 | 10.01 | 9.58 | 10.09 | 9.47% |
| Price to Book | 1.70 | 1.49 | 1.45 | 1.48 | 2.04% |
| Price to Sales | 2.44 | 2.25 | 2.08 | 2.19 | 4.85% |
| Price to Tangible Book Value | 1.86 | 1.62 | 1.57 | 1.61 | 0.99% |
| Price to Free Cash Flow TTM | 8.30 | 10.55 | 8.74 | 13.01 | 112.38% |
| Free Cash Flow Yield | 12.1% | 9.5% | 11.4% | 7.7% | -52.91% |
| Return on Equity | 16.1% | 16.2% | 15.5% | 15.2% | -8.01% |
| Total Debt | $292.60M | $422.56M | $275.80M | $501.82M | 18.54% |
OFG earnings call for the period ending June 30, 2022.
OFG earnings call for the period ending December 31, 2021.
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