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OFG 
OFG Bancorp (OFG)
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Upturn Advisory Summary
12/10/2025: OFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $48.25
1 Year Target Price $48.25
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.84% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.86B USD | Price to earnings Ratio 9.52 | 1Y Target Price 48.25 |
Price to earnings Ratio 9.52 | 1Y Target Price 48.25 | ||
Volume (30-day avg) 4 | Beta 0.8 | 52 Weeks Range 32.69 - 45.80 | Updated Date 12/10/2025 |
52 Weeks Range 32.69 - 45.80 | Updated Date 12/10/2025 | ||
Dividends yield (FY) 2.83% | Basic EPS (TTM) 4.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.98% | Operating Margin (TTM) 40.26% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 14.82% |
Valuation
Trailing PE 9.52 | Forward PE - | Enterprise Value 1684234752 | Price to Sales(TTM) 2.99 |
Enterprise Value 1684234752 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 43955219 | Shares Floating 43414130 |
Shares Outstanding 43955219 | Shares Floating 43414130 | ||
Percent Insiders 1.36 | Percent Institutions 98.02 |
Upturn AI SWOT
OFG Bancorp
Company Overview
History and Background
OFG Bancorp (OFG) was founded in 1964 as Oriental Federal Savings Bank. It has evolved from a single savings and loan association primarily serving Puerto Rico to a diversified financial institution. Key milestones include its conversion to a bank holding company, significant acquisitions that expanded its product and geographic reach, and its listing on the New York Stock Exchange (NYSE). OFG has navigated economic cycles in Puerto Rico, adapting its strategy to changing market conditions.
Core Business Areas
- Consumer and Mortgage Banking: This segment focuses on deposit gathering, mortgage lending (including origination and servicing), personal loans, and credit cards, primarily targeting consumers in Puerto Rico and the U.S. Virgin Islands.
- Commercial and Small Business Banking: This area provides a range of lending and treasury management services to commercial clients and small businesses, including commercial real estate loans, business lines of credit, and merchant services.
- Treasury and Other: This segment encompasses the company's investment portfolio, corporate treasury functions, and other non-core activities.
Leadership and Structure
OFG Bancorp is led by a Board of Directors and a senior executive management team responsible for strategic direction and operational oversight. The organizational structure is aligned with its core business segments, with dedicated leadership for banking operations, risk management, finance, and human resources.
Top Products and Market Share
Key Offerings
- Mortgage Lending: OFG Bancorp is a significant mortgage originator and servicer in Puerto Rico. It offers a variety of mortgage products, including fixed-rate and adjustable-rate mortgages. Competitors include local banks and national mortgage lenders operating in Puerto Rico.
- Deposit Accounts: The company offers a range of deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). These are crucial for its funding base. Competitors are all financial institutions offering deposit services in its operating regions.
- Commercial Loans: OFG provides various commercial lending solutions to businesses, supporting their growth and operational needs. Competitors include other commercial banks operating in Puerto Rico and the U.S. mainland with operations there.
Market Dynamics
Industry Overview
OFG Bancorp operates in the banking and financial services industry, with a significant focus on Puerto Rico. The industry is characterized by its sensitivity to interest rate changes, regulatory oversight, economic conditions, and competition from traditional banks, credit unions, and increasingly, fintech companies. The Puerto Rican market has unique economic dynamics, including government fiscal policies and natural disaster impacts.
Positioning
OFG Bancorp is a leading community-focused financial institution in Puerto Rico. Its competitive advantages include a strong local brand recognition, deep understanding of the Puerto Rican market, a diversified product offering, and a robust branch network. It positions itself as a reliable partner for both consumers and businesses.
Total Addressable Market (TAM)
The TAM for OFG Bancorp is primarily the financial services market within Puerto Rico and the U.S. Virgin Islands. While precise TAM figures are difficult to quantify precisely, it encompasses the total deposits, loans, and other financial products and services utilized by individuals and businesses in these regions. OFG Bancorp holds a significant, but not dominant, share of this market, aiming to grow through strategic initiatives and by capturing market share from competitors.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and long-standing presence in Puerto Rico.
- Diversified revenue streams from various banking services.
- Experienced management team with deep knowledge of the Puerto Rican market.
- Solid capital ratios and liquidity position.
- Growing digital banking capabilities.
Weaknesses
- Concentration of operations in Puerto Rico, making it susceptible to local economic downturns and natural disasters.
- Reliance on interest income, which can be volatile with changing interest rates.
- Potential for higher operational costs compared to mainland U.S. banks.
- Competition from larger national and international financial institutions.
Opportunities
- Economic recovery and growth in Puerto Rico.
- Expansion of digital and mobile banking services to reach a wider customer base.
- Strategic acquisitions to further diversify and expand market reach.
- Leveraging its understanding of the local market to introduce new products and services.
- Potential for increased lending activity as businesses and consumers gain confidence.
Threats
- Persistent economic challenges in Puerto Rico.
- Interest rate volatility impacting net interest margins.
- Increased competition from fintech companies and other financial institutions.
- Regulatory changes that could impact profitability or operations.
- Potential for future natural disasters impacting operations and the local economy.
Competitors and Market Share
Key Competitors
- Popular, Inc. (BPOP)
- FirstBank Puerto Rico (PRCP - Note: PRCP is not a publicly traded symbol for FirstBank Puerto Rico, which is privately held or part of another entity; commonly referred to as a competitor)
- Banco Popular de Puerto Rico (part of Popular, Inc.)
- Scotiabank (Puerto Rico operations)
- Doral Financial Corporation (historically, though its status has changed)
Competitive Landscape
OFG Bancorp competes in a market dominated by larger players like Popular, Inc. Its competitive advantages lie in its agility as a community bank, its deep understanding of local needs, and its customer service focus. However, it faces challenges from the scale and resources of larger competitors, as well as the evolving digital landscape that requires continuous investment. Its ability to tailor products and services to the specific economic conditions of Puerto Rico is a key differentiator.
Growth Trajectory and Initiatives
Historical Growth: OFG Bancorp has experienced growth through both organic means and strategic acquisitions. Its historical growth has been shaped by the economic cycles of Puerto Rico, with periods of expansion followed by consolidation. The company has shown an ability to adapt and grow its asset base and customer relationships over time.
Future Projections: Future growth projections for OFG Bancorp are typically based on analyst estimates that consider the ongoing economic development of Puerto Rico, interest rate trends, and the company's strategic initiatives. Projections often anticipate modest growth in loan portfolios and deposits, with a focus on maintaining strong asset quality and operational efficiency. Digitalization and potential further acquisitions are often cited as drivers for future expansion.
Recent Initiatives: Recent strategic initiatives may include investments in technology to enhance digital banking offerings, efficiency improvements, and potentially, the integration of acquired businesses to achieve cost synergies and expand market reach. The company is likely focused on strengthening its core banking operations and adapting to evolving customer preferences.
Summary
OFG Bancorp is a resilient financial institution with a strong foothold in Puerto Rico, demonstrating consistent operational performance and strategic adaptability. Its strengths lie in its local market expertise and diversified offerings, while its primary weakness is its geographic concentration. Opportunities exist in Puerto Rico's potential economic recovery and digital expansion, but it must remain vigilant against economic volatility and increasing competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- OFG Bancorp Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry financial data providers
- Financial news and analysis websites
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice. The data presented is based on publicly available information and general market knowledge. Financial markets are dynamic, and actual performance may vary. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OFG Bancorp
Exchange NYSE | Headquaters San Juan, PR, United States | ||
IPO Launch date 1990-03-28 | President, CEO & Chairman Mr. José Rafael Fernández | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2217 | Website https://www.ofgbancorp.com |
Full time employees 2217 | Website https://www.ofgbancorp.com | ||
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. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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