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    O

    OFG Bancorp (OFG)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $50.92
    +0.06 (+0.12%)

    Market Cap: $2.15B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(34/39)
    Avg Surprise
    +15.97%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.23
    Range$1.19 - $1.25
    5 analysts
    EPS Revisions
    2
    0
    7d
    4
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.18+3.8%
    60d ago$1.23+0.2%
    30d ago$1.23+0.2%
    7d ago$1.23+0.2%
    Current$1.23
    Revenue Consensus
    $188M
    Range$187M - $188M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.71
    Range$1.60 - $1.83
    5 analysts
    Revenue Consensus
    $205M
    Range$203M - $208M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.71---
    Sep 26EST
    		-$1.23---
    Jun 26
    Reported Jul 21
    		$1.39$1.18+17.80%Beat+20.9%
    Mar 26
    Reported Apr 21
    		$1.26$1.00+26.00%Beat+26.0%
    Dec 25
    Reported Jan 22
    		$1.27$1.15+10.43%Beat+16.5%
    Sep 25
    Reported Oct 22
    		$1.16$1.17-0.85%Miss+16.0%
    Jun 25
    Reported Jul 17
    		$1.15$1.05+9.52%Beat+6.5%
    Mar 25
    Reported Apr 23
    		$1.00$0.97+3.09%Beat-4.8%
    Dec 24
    Reported Jan 22
    		$1.09$0.97+12.37%Beat+11.2%
    Sep 24
    Reported Oct 16
    		$1.00$1.02-1.96%Miss+5.3%
    Jun 24
    Reported Jul 18
    		$1.08$0.96+12.50%Beat+16.1%
    Mar 24
    Reported Apr 18
    		$1.05$0.95+10.53%Beat+9.4%
    Dec 23
    Reported Jan 24
    		$0.98$0.93+5.38%Beat+1.0%
    Sep 23
    Reported Oct 20
    		$0.95$0.95+0.00%Beat+6.7%
    Jun 23
    Reported Jul 20
    		$0.93$0.89+4.49%Beat+10.7%
    Mar 23
    Reported Apr 20
    		$0.96$0.86+11.63%Beat+26.3%
    Dec 22
    Reported Jan 26
    		$0.97$0.92+5.43%Beat+47.0%
    Sep 22
    Reported Oct 20
    		$0.89$0.85+4.71%Beat+9.9%
    Jun 22
    Reported Jul 21
    		$0.84$0.74+13.51%Beat+7.7%
    Mar 22
    Reported Apr 21
    		$0.76$0.64+18.75%Beat+28.8%
    Dec 21
    Reported Jan 19
    		$0.66$0.76-13.16%Miss+15.8%
    Sep 21
    Reported Oct 20
    		$0.81$0.68+19.12%Beat+62.0%
    Jun 21
    Reported Jul 21
    		$0.78$0.53+47.17%Beat+110.8%
    Mar 21
    Reported Apr 21
    		$0.59$0.45+31.11%Beat+942.9%
    Dec 20
    Reported Jan 25
    		$0.57$0.46+23.91%Beat+96.6%
    Sep 20
    Reported Oct 23
    		$0.50$0.36+38.89%Beat+4.2%
    Jun 20
    Reported Jul 24
    		$0.37$0.26+42.31%Beat-14.0%
    Mar 20
    Reported Apr 29
    		$-0.07N/A-115.56%Miss-116.7%
    Dec 19
    Reported Jan 29
    		$0.29$0.46-36.96%Miss-35.6%
    Sep 19
    Reported Oct 21
    		$0.48$0.44+9.09%Beat+14.3%
    Jun 19
    Reported Jul 22
    		$0.43$0.43+0.00%Beat+22.9%
    Mar 19
    Reported Apr 18
    		$0.42$0.39+7.69%Beat+44.8%
    Dec 18
    Reported Mar 8
    		$0.45$0.42+7.14%Beat+21.6%
    Sep 18
    Reported Oct 19
    		$0.42$0.36+16.67%Beat+5.0%
    Jun 18
    Reported Jul 20
    		$0.35$0.25+40.00%Beat+16.7%
    Mar 18
    Reported Apr 20
    		$0.29$0.17+70.59%Beat+11.5%
    Dec 17
    Reported Mar 12
    		$0.37$0.12+208.33%Beat+37.0%
    Sep 17
    Reported Oct 25
    		$0.40$0.27+48.15%Beat-
    Jun 17
    Reported Jul 21
    		$0.30$0.27+11.11%Beat-
    Mar 17
    Reported Apr 21
    		$0.26$0.26+0.00%Beat-
    Dec 16
    Reported Mar 10
    		$0.27$0.26+3.85%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.75%
    Forward Annual Dividend$1.40
    Payout Ratio25.88%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+19.68%
    5Y CAGR+33.78%
    OFG dividend history and ex-dividend datesRun OFG in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.02EV/EBITDA7.19x
    Price/FCF10.62xFCF Yield9.42%
    Profitability
    Profit Margin33.90%Operating Margin43.30%
    ROE16.10%ROIC11.22%
    Financial Health
    Debt/Equity0.40xInterest Coverage1.48x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.74Avg Volume283.35K
    52-Week High$54.0952-Week Low$34.90

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$50.83
    SMA 20$51.04
    SMA 50$51.75
    SMA 200$45.73
    EMA 10$50.86
    EMA 20$51.06
    EMA 50$51.09
    EMA 200$47.14

    MACD

    Line: -0.27Signal: -0.29Hist: 0.02

    ADX

    ADX: 25.1+DI: 13.9-DI: 27.8

    Aroon & PSAR

    Aroon Up16.0
    Aroon Down64.0
    PSAR$49.33

    Bollinger Bands

    Upper Band$52.16
    Lower Band$49.92
    %B Position439%(Upper)
    Band Width0.45

    RSI (14-Day)

    Neutral
    46.9

    Momentum Oscillators

    Stoch %K54.8
    Stoch %D50.9
    Williams %R-43.8
    ROC (10d)1.7%
    Momentum0.84
    CCI (20d)-59.6
    MFI (14d)25.4

    Volatility Measures

    ATR (14d)$0.95(1.9%)
    StdDev (20d)0.56
    Hist Vol12.3%(Low)

    Volume Flow

    VWAP$50.66
    OBV10.2M
    AD Line-124.3M
    CMF (20d)-0.548

    Volume Metrics

    Avg Vol (20d)275.6K
    Vol Ratio1.1x
    VWMA (20d)$51.17

    Pivot Points

    R3$51.80
    R2$51.49
    R1$51.18
    Pivot Point$50.87
    S1$50.56
    S2$50.25
    S3$49.94

    Advanced Oscillators

    TSI-11.27
    Ultimate Osc47.4
    KST-24.14

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$190.32M$185.98M$184.32M$186.18M$182.36M$178.59M$182.69M$174.74M$179.80M$174.45M$182.25M$172.49M
    Cost of RevenueN/A$62.80M$44.48M$73.68M$64.10M$65.84M$71.22M$62.51M$55.91M$54.45M$52.38M$40.35M
    Gross ProfitN/A$163.61M$184.32M$142.97M$146.23M$141.00M$138.85M$142.34M$150.64M$146.85M$150.53M$143.68M
    Operating Expenses$102.83M$94.70M$105.01M$96.55M$94.80M$93.45M$99.72M$91.60M$92.96M$91.41M$94.10M$90.16M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$68.79M$79.31M$61.37M$65.88M$59.45M$52.79M$61.78M$71.26M$67.92M$68.43M$65.90M
    Interest Income$197.15M$194.13M$197.22M$200.15M$194.35M$189.22M$190.16M$189.03M$187.66M$183.43M$176.20M$165.71M
    Interest Expense$39.85M$40.31M$44.48M$45.42M$42.42M$40.15M$41.02M$41.16M$40.33M$39.32M$32.66M$23.92M
    Income Before Tax$74.48M$68.79M$47.42M$61.37M$65.88M$59.45M$52.79M$61.78M$71.26M$67.92M$68.43M$65.90M
    Income Tax Expense$15.71M$14.86M$-8,473,000$9.53M$14.08M$13.88M$2.44M$14.78M$20.13M$18.23M$21.84M$21.02M
    Net Income$58.78M$53.94M$55.89M$51.84M$51.80M$45.57M$50.35M$47.00M$51.13M$49.69M$46.60M$44.87M
    EBITDA$78.48M$74.69M$52.81M$67.92M$72.85M$65.44M$59.30M$68.95M$76.30M$71.93M$74.14M$73.57M
    EBIT$74.48M$68.79M$47.42M$61.37M$65.88M$59.45M$52.79M$61.78M$71.26M$67.92M$68.43M$65.90M
    * Some calculated fields are derived from available data when not provided by source

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    News

    OFG Bancorp scheduled October 21 results. OFG Bancorp stock is valued at USD 2.2 billion.

    OFG Bancorp is set to announce its third-quarter results on October 21, 2026, with analysts forecasting earnings of USD 1.23 per share and revenue of USD 187.11 million. This follows a strong second quarter where diluted...

    ad-hoc-news.de•10/15/26•Neutral

    OFG Q3'26 Earnings: revenue estimate is 187.11M USD

    OFG Bancorp (OFG) is scheduled to release its Q3'26 earnings on October 21st before the market opens. Analysts estimate the company's revenue for the quarter to be $187.11 million USD...

    TradingView•10/14/26•Neutral

    OFG Bancorp (OFG) Projected to Announce Quarterly Earnings on Wednesday

    OFG Bancorp (NYSE:OFG) is projected to release its Q3 2026 earnings before the market opens on Wednesday, October 21st...

    MarketBeat•10/14/26•Somewhat-Bullish

    OFG Bancorp schedules third-quarter results: what it means for OFG Bancorp stock

    OFG Bancorp (ISIN PR67103X1020) is set to release its third-quarter 2026 results on October 21, 2026, before the market opens...

    ad-hoc-news.de•10/13/26•Somewhat-Bullish

    OFG Bancorp schedules third-quarter results: what it means for OFG Bancorp stock

    OFG Bancorp is set to report its third-quarter 2026 results on October 21, 2026. Analysts project an improvement in earnings per share to $1.23, up from $1.16 in the prior-year quarter...

    ad-hoc-news.de•10/13/26•Neutral

    OFG Valuation and Fair Value

    P/E
    10.0x
    Forward P/E
    7.4x
    EV/EBITDA
    7.2x
    P/FCF
    10.6x
    PEG
    0.9x
    P/B
    1.5x
    See GNG's fair value

    OFG Profitability: Margins, ROIC and FCF

    Operating margin
    43.3%
    Net margin
    33.9%
    ROIC
    11.2%
    ROE
    16.1%
    FCF margin
    27.1%
    FCF yield
    9.4%

    OFG Competitors

    CompanyTicker
    Federal Agricultural Mortgage CorporationAGM
    Northwest Bancshares IncNWBI
    Upstart Holdings IncUPST
    WaFd, Inc.WAFD
    LendingClub CorpLC
    Encore Capital Group IncECPG
    WesBanco IncWSBCP
    Enterprise Financial ServicesEFSC

    Sector: Financial Services

    OFG Analyst Ratings

    Consensus
    Hold
    Analysts
    5
    Strong Buy
    0
    Buy
    1
    Hold
    4
    Sell
    0
    Strong Sell
    0

    OFG Bull Case vs Bear Case

    Bull case

    • OFG converts 27.1% of revenue into free cash flow.
    • OFG has a 33.9% net profit margin.
    • OFG beat EPS estimates in 75.0% of its last 8 reported quarters.

    OFG Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    9.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.23
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 0 down

    OFG Dividend

    Forward yield
    2.7%
    Payout ratio
    25.9%
    3Y DPS growth
    19.7%
    5Y DPS growth
    33.8%
    Pay months
    Jan, Apr, Jul, Oct
    OFG dividend history

    Frequently Asked Questions About OFG

    What is OFG's current dividend yield?

    OFG Bancorp (OFG) has a forward dividend yield of 2.75%.

    Does OFG pay dividends?

    Yes, OFG Bancorp pays dividends with a forward dividend yield of 2.75%.

    What is OFG's P/E ratio?

    OFG Bancorp has a price-to-earnings (P/E) ratio of 10.02.

    What is OFG's market cap?

    OFG Bancorp (OFG) has a market capitalization of $2.15B with a current stock price of $50.92.

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