OFG Bancorp (OFG) stock
OFGNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 14/305% above fair value
$51.69+0.35 (+0.68%)
Close on Nov 13, 2026Market cap $2.18BP/E 9.8Yield 0.58%
OFG Bancorp statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 21, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 30, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.75
- 1.52
- P/OCF Ratio
- 7.97
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.17
- 2.95
- EV / FCF
- 6.46
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -5.40%
- 0.33%
- Shares Change (QoQ)
- -0.62%
- 0.00%
- Float
- 42M
- 17M
- Shares Held by Insiders
- 0.96%
- 6.05%
- Shares Held by Institutions
- 97.8%
- 61.3%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- -10.2%
- -4.13%
- Short % of Float
- 4.63%
- 3.58%
- Short % of Shares Outstanding
- 4.58%
- 3.18%
- Days to Cover
- 5.30
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $54.47
- –
- 52-Week Low
- $35.71
- –
- 20-Day Moving Average
- $51.20
- –
- 50-Day Moving Average
- $51.49
- –
- 200-Day Moving Average
- $47.35
- –
- Average True Range (14)
- $1.18
- –
- Price Change (1 Week)
- 1.71%
- 0.69%
- Price Change (1 Month)
- -0.84%
- 3.79%
- Price Change (3 Months)
- -3.42%
- -2.72%
- Price Change (6 Months)
- 17.6%
- 12.2%
- Price Change (YTD)
- 26.1%
- 19.9%
- Price Change (1 Year)
- 26.8%
- 25.7%
- Price Change (3 Years)
- 54.3%
- 65.1%
- Price Change (5 Years)
- 91.5%
- 26.9%
- Price Change (10 Years)
- 299.2%
- 66.8%
- Average Volume (10 Days)
- 274,325
- –
- Average Volume (20 Days)
- 316,186
- –
- Average Volume (90 Days)
- 281,706
- –
- Relative Volume
- 0.50
- 0.68
- Relative Strength Index (14)
- 54.3
- 53.1
- Volatility (1 Year)
- 23.1%
- 24.4%
- Beta (5 Years)
- 0.69
- 0.63
MarginsIndustry
- Pretax Margin
- 35.1%
- 37.0%
- FCF Margin
- 33.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 16.6%
- 10.7%
- Return on Assets (ROA)
- 1.85%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 2.33%
- 11.7%
- Net Income Growth (YoY)
- 12.9%
- 22.6%
- EPS Growth (YoY)
- 19.3%
- 21.6%
- FCF Growth (YoY)
- 38.9%
- 27.2%
- EPS Growth (3Y CAGR)
- 10.0%
- 1.31%
- EPS Growth (5Y CAGR)
- 28.3%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.06
- 0.04
- Revenue Per Employee
- $341.80K
- $358.92K
- Profits Per Employee
- $103.08K
- $110.51K
- Employee Count
- 2,185
- 492
- WACC
- 8.55%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $262.51M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $566.77M
- $165.09M
- Net Cash Per Share
- $13.41
- $8.07
- Equity (Book Value)
- $1.34B
- $570.13M
- Book Value Per Share
- $31.63
- $28.12
- Tangible Book Value
- $1.25B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$23.64M
- -$4.24M
- FCF Per Share
- $5.92
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 10.3%
- 8.29%
- FCF Yield
- 11.5%
- 9.18%
- Dividend Yield
- 0.58%
- 2.44%
- Buyback Yield
- 4.49%
- 1.82%
- Shareholder Yield
- 5.07%
- 3.26%
- Dividend Per Share
- $0.30
- $0.92
- Dividend Growth (YoY)
- -70.0%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 24.9%
- 28.5%
- FCF Payout Ratio
- 22.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $37.29M
- $16.14M
- Effective Tax Rate
- 14.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $61.13
- $45.07
- Graham Upside
- 18.3%
- 18.8%
- Altman Z-Score
- 0.30
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $131.25
- –
- Lynch Upside
- 153.9%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | OFG | S&P 500 | Difference | OFG per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.6% | -3.0% | +4.7 pts | ||
| 3 months | -2.8% | -2.8% | +0.0 pts | ||
| Year to date | +29.1% | +11.5% | +17.6 pts | ||
| 1 year | +29.9% | +13.5% | +16.4 pts | ||
| 3 years | +78.3% | +77.7% | +0.6 pts | +21.3% | +21.1% |
| 5 years | +118.3% | +72.6% | +45.7 pts | +16.9% | +11.5% |
| 10 years | +415.7% | +308.2% | +107.5 pts | +17.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M OFG shares were sold short on Oct 30, 2026, down 10.2% from the previous report, or 4.63% of the shares available to trade. At recent volumes it would take 5.3 days to buy them back. Over the last 20 sessions, 59.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,936,307 | -10.2% | 365,495 | 5.3 |
| Oct 15, 2026 | 2,156,651 | +2.3% | 244,371 | 8.8 |
| Sep 30, 2026 | 2,108,250 | +1.4% | 336,909 | 6.3 |
| Sep 15, 2026 | 2,079,459 | +26.3% | 227,378 | 9.2 |
| Aug 31, 2026 | 1,646,049 | +10.0% | 227,461 | 7.2 |
| Aug 14, 2026 | 1,495,922 | -9.1% | 210,117 | 7.1 |
| Jul 31, 2026 | 1,646,439 | -6.3% | 349,226 | 4.7 |
| Jul 15, 2026 | 1,757,289 | +5.9% | 306,542 | 5.7 |
| Jun 30, 2026 | 1,659,431 | +21.0% | 636,317 | 2.6 |
| Jun 15, 2026 | 1,371,203 | +4.1% | 302,999 | 4.5 |
| May 29, 2026 | 1,317,456 | +10.4% | 241,345 | 5.5 |
| May 15, 2026 | 1,193,498 | +6.0% | 221,417 | 5.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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