(OFG) OFG Bancorp - Ratings and Ratios
Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: PR67103X1020
OFG: Banking, Loans, Insurance, Investments, Securities, Accounts
OFG Bancorp, a financial holding company listed on the NYSE under the ticker symbol OFG, operates as a diversified financial services provider with a focus on banking, wealth management, and treasury services. Founded in 1964 and headquartered in San Juan, Puerto Rico, the company serves as a key financial institution in its region, offering a broad spectrum of banking and financial services tailored to both individual and institutional clients.
Its banking segment provides essential financial products such as checking and savings accounts, certificates of deposit, and various lending services, including commercial loans, consumer loans, auto leasing, and mortgage lending. Additionally, the segment offers credit cards, cash management services, and transactional banking solutions. This diversified product offering allows OFG Bancorp to cater to a wide range of customer needs, from everyday banking to complex financial transactions.
The wealth management segment encompasses a comprehensive suite of financial planning, insurance, and investment services. The company provides securities brokerage, investment advisory services, and retirement planning solutions. It also offers separately managed accounts and mutual fund asset allocation programs, catering to both retail and institutional clients. This segment is further complemented by trust and retirement services, positioning OFG Bancorp as a one-stop-shop for wealth management needs.
OFG Bancorps treasury segment focuses on asset/liability management and investment activities. The companys investment portfolio includes mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments. It also engages in purchases and sales of investment securities, interest rate risk management, and the use of derivatives to hedge against financial risks. These activities highlight the companys commitment to prudent risk management and optimizing returns on its investments.
From an investment perspective, OFG Bancorp presents an interesting case for investors and fund managers. With a market capitalization of approximately $1.97 billion, the company operates at a scale that provides both stability and growth potential. The current price-to-earnings (P/E) ratio of 10.25 suggests a reasonable valuation relative to its earnings, while the price-to-book (P/B) ratio of 1.56 indicates that the market values the companys assets at a modest premium. These metrics, combined with its diversified revenue streams and strategic focus on both traditional banking and wealth management, make OFG Bancorp a company worth considering for those looking to invest in the financial services sector.
Moreover, OFG Bancorps strategic presence in Puerto Rico provides unique advantages, including access to both local and international markets. The companys ability to navigate the complexities of operating in a U.S. territory, combined with its extensive range of financial services, positions it as a key player in the region. For investors and fund managers evaluating regional banks, OFG Bancorps balanced approach to growth, risk management, and
Additional Sources for OFG Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
OFG Stock Overview
Market Cap in USD | 1,865m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Regional Banks |
IPO / Inception | 1990-03-28 |
OFG Stock Ratings
Growth 5y | 84.0% |
Fundamental | 62.6% |
Dividend | 82.2% |
Rel. Strength | -5.42 |
Analysts | 4.5/5 |
Fair Price Momentum | 47.33 USD |
Fair Price DCF | 82.23 USD |
OFG Dividends
Dividend Yield 12m | 2.58% |
Yield on Cost 5y | 11.86% |
Annual Growth 5y | 28.99% |
Payout Consistency | 95.7% |
OFG Growth Ratios
Growth Correlation 3m | -66.1% |
Growth Correlation 12m | 49.7% |
Growth Correlation 5y | 95.5% |
CAGR 5y | 35.16% |
CAGR/Max DD 5y | 1.37 |
Sharpe Ratio 12m | 0.15 |
Alpha | 4.84 |
Beta | 0.974 |
Volatility | 27.40% |
Current Volume | 320k |
Average Volume 20d | 367.3k |
As of April 02, 2025, the stock is trading at USD 39.91 with a total of 320,033 shares traded.
Over the past week, the price has changed by -2.33%, over one month by -4.47%, over three months by -3.34% and over the past year by +14.07%.
Yes, based on ValueRay Fundamental Analyses, OFG Bancorp (NYSE:OFG) is currently (April 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 62.56 and therefor a positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of OFG as of April 2025 is 47.33. This means that OFG is currently undervalued and has a potential upside of +18.59% (Margin of Safety).
OFG Bancorp has received a consensus analysts rating of 4.50. Therefor, it is recommend to buy OFG.
- Strong Buy: 2
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
According to ValueRays Forecast Model, OFG OFG Bancorp will be worth about 51.1 in April 2026. The stock is currently trading at 39.91. This means that the stock has a potential upside of +28.06%.
Issuer | Forecast | Upside |
---|---|---|
Wallstreet Target Price | 50.9 | 27.5% |
Analysts Target Price | 49.4 | 23.7% |
ValueRay Target Price | 51.1 | 28.1% |