Stock Fundamentals

Company Information

Company Name
OFG Bancorp
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: PR67103X1020
CIK: 0001030469
CUSIP: 68618W100
Currency: USD
Full Time Employees: 2,185
Phone: 787 771 6800
Fiscal Year End: December
IPO Date: Mar 28, 1990
Description:

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.

Address:

254 MuNoz Rivera Avenue, San Juan, PR, United States, 00918

Directors & Officers

Name Title Year Born
Mr. José Rafael Fernández President, CEO & Chairman 1964
Ms. Ada Garcia Castello Managing Director of Customer Intelligence & Operations 1965
Ms. Mari Evelyn Rodriguez Chief Retail Banking Officer 1971
Krisen Aguirre Torres Vice President Financial Reporting & Accounting Control NA
Mr. Gary M. Fishman IR Contact NA
Mr. Hugh Gonzalez-Robison Esq. General Counsel, Chief Compliance Officer & Secretary 1981
Ms. Jennifer Zapata Nazario Managing Director of Human Resources NA
Mr. Ramón A. Rosado-Linera Esq., J.D. Senior VP & Director of the U.S. Loan Program 1964
Milagros Pérez Executive Vice President of Auto NA
Félix Silva Senior Vice President of Retail Operations & Collections NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 6.39M Sep 30, 2025 14.84% $0.00 -0.69%
Vanguard Group Inc 5.45M Dec 31, 2025 12.66% $0.00 -2.14%
Dimensional Fund Advisors, Inc. 2.54M Dec 31, 2025 5.89% $0.02 -1.79%
State Street Corp 2.40M Sep 30, 2025 5.57% $0.00 -6.41%
First Trust Advisors L.P. 1.88M Sep 30, 2025 4.36% $0.06 6.46%
Charles Schwab Investment Management Inc 1.71M Dec 31, 2025 3.96% $0.01 0.77%
American Century Companies Inc 1.51M Dec 31, 2025 3.51% $0.03 3.69%
Barrow Hanley Mewhinney & Strauss LLC 1.45M Sep 30, 2025 3.38% $0.20 -5.60%
LSV Asset Management 1.31M Dec 31, 2025 3.04% $0.12 -2.93%
JPMorgan Chase & Co 1.22M Sep 30, 2025 2.83% $0.00 109.69%
Geode Capital Management, LLC 1.11M Sep 30, 2025 2.57% $0.00 -0.44%
Nuveen, LLC 940.56K Dec 31, 2025 2.18% $0.01 -7.26%
Millennium Management LLC 796.89K Sep 30, 2025 1.85% $0.01 7.79%
HHG PLC 761.00K Sep 30, 2025 1.77% $0.02 -1.00%
Northern Trust Corp 586.22K Sep 30, 2025 1.36% $0.00 -1.65%
Morgan Stanley - Brokerage Accounts 529.76K Sep 30, 2025 1.23% $0.00 3.19%
Qube Research & Technologies 488.98K Sep 30, 2025 1.14% $0.02 -11.77%
Empowered Funds, LLC 451.92K Sep 30, 2025 1.05% $0.20 7.16%
Bank of New York Mellon Corp 422.19K Sep 30, 2025 0.98% $0.00 -2.05%
Jacobs Levy Equity Management, Inc. 379.94K Dec 31, 2025 0.88% $0.06 -9.49%

Shares Statistics

Shares Outstanding: 42.48M
Shares Float: 42.55M
% Insiders: 137.20%
% Institutions: 9,904.70%
Short % Float: 3.63%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 6.39M 14.84% ▼ 0.69% Sep 30, 2025
2 Vanguard Group Inc 5.45M 12.66% ▼ 2.14% Dec 31, 2025
3 Dimensional Fund Advisors, Inc. 2.54M 5.89% ▼ 1.79% Dec 31, 2025
4 State Street Corp 2.40M 5.57% ▼ 6.41% Sep 30, 2025
5 First Trust Advisors L.P. 1.88M 4.36% ▲ 6.46% Sep 30, 2025
6 Charles Schwab Investment Management Inc 1.71M 3.96% ▲ 0.77% Dec 31, 2025
7 American Century Companies Inc 1.51M 3.51% ▲ 3.69% Dec 31, 2025
8 Barrow Hanley Mewhinney & Strauss LLC 1.45M 3.38% ▼ 5.60% Sep 30, 2025
9 LSV Asset Management 1.31M 3.04% ▼ 2.93% Dec 31, 2025
10 JPMorgan Chase & Co 1.22M 2.83% ▲ 109.69% Sep 30, 2025

Valuation Metrics

Enterprise Value: $1.23B
Trailing P/E: 8.58
Forward P/E: 7.39

Financial Highlights

Market Cap: $1.70B
P/E Ratio: $8.58
PEG Ratio: $0.92
Book Value: $32.13
Dividend/Share: $1.20
Dividend Yield: 3.06%
Earnings/Share: $4.58
Profit Margin: 32.87%
Operating Margin: 33.13%
ROA (TTM): 1.71%
ROE (TTM): 15.51%
Revenue (TTM): $623.93M
Revenue/Share (TTM): $14.01
Earnings Growth (YOY): 16.60%
Revenue Growth (YOY): 0.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.12x 0.36x 0.89x 1.54x 1.76x
2024-12-31 0.32x 0.32x 0.89x 1.57x 1.43x
2023-12-31 0.31x 0.18x 0.89x 3.01x 0.72x
2022-12-31 0.24x 0.06x 0.89x 7.29x 0.23x
2021-12-31 0.30x 0.10x 0.89x 5.13x 0.43x
2020-12-31 0.32x 0.07x 0.89x 1.46x 0.65x
2019-12-31 0.54x 0.18x 0.02x 1.48x 2.16x
2018-12-31 2.09x 0.25x 0.85x 2.98x 1.74x
2017-12-31 2.17x 0.18x 0.85x 1.64x 2.21x
2016-12-31 2.11x 0.43x 0.86x 1.49x 4.08x
2015-12-31 0.27x 1.05x 0.87x -0.29x -133.42x
2014-12-31 0.31x 1.05x 0.87x 1.59x 7.35x
2013-12-31 0.33x 1.45x 0.89x 1.07x 12.50x
2012-12-31 0.41x 2.27x 0.91x 0.27x 59.51x
2011-12-31 0.65x 8.21x 0.90x 0.23x 139.51x
2010-12-31 0.08x 9.04x 0.90x 0.03x 581.10x
2009-12-31 0.06x 23.11x 0.95x 0.16x 212.50x
2008-12-31 0.01x 30.00x 0.96x 0.08x 342.21x
2007-12-31 0.01x 23.09x 0.94x 0.20x 171.80x
2006-12-31 0.01x 10.56x 0.92x -0.04x 1,313.73x
2005-12-31 0.04x 7.81x 0.92x 0.33x 78.50x
2004-12-31 0.01x 10.10x 0.93x 0.85x 28.27x
2003-12-31 0.01x 10.00x 0.93x 0.72x 29.61x
2002-12-31 0.01x 7.88x 0.93x 0.47x 30.16x
2001-12-31 0.01x 10.00x 0.94x 0.08x 95.14x
2000-12-31 0.01x 8.07x 0.94x 0.24x 39.54x
1999-12-31 0.02x 6.40x 0.92x 0.41x 23.34x
1998-12-31 0.03x 4.29x 0.92x 0.43x 17.54x
1997-12-31 0.05x 3.78x 0.92x 0.44x 17.59x
1996-12-31 0.01x 1.00x 0.92x 0.00x 1.40x
1995-12-31 0.04x 3.61x 0.91x 0.49x 16.38x
1994-12-31 0.06x 3.76x 0.91x 0.49x 17.23x
1993-12-31 N/A N/A N/A 1.00x 0.00x
1992-12-31 0.07x 6.78x 0.94x 0.46x 21.31x
1991-12-31 0.06x 4.11x 0.94x 0.15x 31.38x
1990-12-31 0.04x 5.73x 0.93x 1.05x 213.00x
1989-12-31 0.08x 5.88x 0.93x 0.50x 313.00x
1988-12-31 0.06x 4.14x 0.92x 0.97x 266.33x
1987-12-31 N/A N/A N/A -1.00x 0.00x
1986-12-31 N/A N/A N/A 1.00x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 20, 2026 Annette Franqui N/A Purchase 1.54K $42.06 $64.77K
Dec 22, 2025 Jesus Nestor De N/A Sale 2.00K $42.31 $84.62K
Dec 15, 2025 Cesar A Ortiz N/A Sale 5.50K $42.17 $231.94K
Nov 12, 2025 Jose Rafael Fernandez N/A Sale 25.23K $40.95 $1.03M
Nov 11, 2025 Jose Rafael Fernandez N/A Sale 4.77K $40.53 $193.25K
Nov 10, 2025 Jorge Colon N/A Sale 25.00K $40.85 $1.02M
May 05, 2025 Maritza Arizmendi N/A Sale 5.00K $41.44 $207.20K

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