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Ofg bancorpOFG.US Overview

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OFG Recent Performance

0.60%

Ofg bancorp

1.79%

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-0.31%

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OFG Key Information

OFG Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

OFG Profile

OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.

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OFG FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OFG Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.76
PE Ratio (TTM)
8.75
Forward PE
9.22
PS Ratio (TTM)
2.77
PB Ratio
1.30
Price-to-FCF
11.97
METRIC
VALUE
vs. INDUSTRY
Gross Margin
93.65%
Net Margin
29.29%
Revenue Growth (YoY)
11.26%
Profit Growth (YoY)
4.19%
3-Year Revenue Growth
12.71%
3-Year Profit Growth
4.88%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.76
PE Ratio (TTM)
8.75
Forward PE
9.22
PS Ratio (TTM)
2.77
PB Ratio
1.30
Price-to-FCF
11.97
Gross Margin
93.65%
Net Margin
29.29%
Revenue Growth (YoY)
11.26%
Profit Growth (YoY)
4.19%
3-Year Revenue Growth
12.71%
3-Year Profit Growth
4.88%

  • When is OFG's latest earnings report released?

    The most recent financial report for Ofg bancorp (OFG) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OFG's short-term business performance and financial health. For the latest updates on OFG's earnings releases, visit this page regularly.

  • What is the operating profit of OFG?

    According to the latest financial report, Ofg bancorp (OFG) reported an Operating Profit of 79.31M with an Operating Margin of 34.66% this period, representing a growth of 50.24% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OFG's revenue growth?

    In the latest financial report, Ofg bancorp (OFG) announced revenue of 228.8M, with a Year-Over-Year growth rate of 50.03%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does OFG have?

    As of the end of the reporting period, Ofg bancorp (OFG) had total debt of 580.46M, with a debt ratio of 0.05. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does OFG have?

    At the end of the period, Ofg bancorp (OFG) held Total Cash and Cash Equivalents of 1.04B, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does OFG go with three margins increasing?

    In the latest report, Ofg bancorp (OFG) achieved the “three margins increasing” benchmark, with a gross margin of 80.56%%, operating margin of 34.66%%, and net margin of 24.43%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OFG's profit trajectory and future growth potential.

  • Is OFG's EPS continuing to grow?

    According to the past four quarterly reports, Ofg bancorp (OFG)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.2. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OFG?

    Ofg bancorp (OFG)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of OFG?

    The latest valuation data shows Ofg bancorp (OFG) has a Price-To-Earnings (PE) ratio of 8.54 and a Price/Earnings-To-Growth (PEG) ratio of 3.33. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.