Is OFG Bancorp (OFG) overvalued or fairly valued?

MarketChacha shows OFG Bancorp's valuation in context — a trailing P/E of about 11.4, a forward P/E of about 10.4, a price-to-book of about 1.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does OFG Bancorp's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.31×) from reported figures — education, not a rating.

What is the share price of OFG Bancorp (OFG)?

OFG Bancorp last traded at $52.16 (-1.4% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

OFG Bancorp

OFG · NYSE · Financials · United States

$52.16-1.4%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:27 PM

Snapshot

TickerOFG

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees2,181

HeadquartersSan Juan, United States

Market cap$2.2B

P/E (TTM)11.4

P/B1.6

Volume195.59K

Websitewww.ofgbancorp.com

Filings tracked4

About OFG Bancorp

OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; 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 was founded in 1964 and is headquartered in San Juan, Puerto Rico.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.1%
Institutions97.8%
Public & other1.1%

343 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.70%
Vanguard Portfolio Management LLC7.36%
Dimensional Fund Advisors LP6.07%
State Street Corporation5.70%
First Trust Advisors LP5.49%
Vanguard Capital Management LLC4.52%
American Century Companies Inc3.79%
Charles Schwab Investment Management, Inc.3.36%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.31×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $189.0M · EPS 1.18

Est. earnings growth -6.9%

Next fiscal year

Rev $754.0M · EPS 5.01

Est. earnings growth -1.0%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$35.7152-wk range$53.17

Delayed · as reported by Yahoo Finance

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$2.2B

Day change

-1.4%

P/E (TTM)

11.4

Fwd P/E

10.4

P/B

1.6

Div yield

2.60%

Beta

0.71

ROE

14.8%

Profit CAGR (2y)

+6.2%

EPS (FY2025)

4.58

Net profit (FY2025)

$205.1M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about OFG

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	ROE
FY2025	—	$205.1M	4.58	14.8%
FY2024	—	$198.2M	4.23	15.8%
FY2023	$0	$181.9M	3.83	15.2%

Quarterly

Period	Revenue	Net profit	EPS
2026Q1	—	$53.9M	1.26
2025Q3	—	$51.8M	1.16
2025Q2	—	$51.8M	1.15
2025Q1	—	$45.6M	1.00
2024Q3	$0	$47.0M	1.00
2024Q2	$0	$51.1M	1.08
2024Q1	$0	$49.7M	1.05
2023Q3	$0	$44.9M	0.95
2023Q2	$0	$44.2M	0.93
2023Q1	$0	$46.2M	0.96

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/21/2026material
10-Q filing
SEC5/8/2026
8-K — Shareholder vote results
SEC4/23/2026material
8-K — Results of operations, Exhibits
SEC4/21/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.