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Upturn AI Summary - About
OFG Bancorp(OFG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OFG
09/25/2026: OFG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
OFG Bancorp is a regional financial institution providing banking, lending, and wealth management services primarily in Puerto Rico. The company has a strong local market position and is known for its focus on digital transformation, which helps improve operational efficiency. Its main investment appeal lies in a stable dividend history and the potential for growth as the Puerto Rican economy evolves. Investors should be aware of risks including geographic concentration and intense local competition. OFG may be a suitable fit for dividend and value-oriented investors who are comfortable with the specific economic environment of the Puerto Rican region and are monitoring the company’s digital execution.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to the regional economy rather than high-growth tech expansion. |
| Momentum investor | Strong fit while signal remains positive | When the stock shows consistent technical trends, it attracts momentum interest. |
| Value investor | Strong fit | The stock is often priced at reasonable multiples relative to its earnings potential. |
| Dividend investor | Strong fit | The company offers a reliable and attractive dividend yield for income portfolios. |
| Low-risk investor | Mixed fit | Regional concentration in Puerto Rico introduces unique geographic risk for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional stocks can experience sharp movements based on local economic news. |
| Valuation risk | Medium | Market sentiment toward Puerto Rican banks can fluctuate, affecting valuation multiples. |
| Competition risk (Banking) | High | Intense local rivalry from larger players limits pricing power. |
| Business quality | Medium | The business model is solid but dependent on a singular regional economy. |
| Dividend income | Low / none | The dividend is considered stable and well-supported by current earnings. |
| Execution risk | Medium | Successful growth depends on continued effective management of digital transformation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 9.54% | Avg. Invested days 46 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.20B USD | Price to earnings Ratio 10.24 | 1Y Target Price 56.5 |
Price to earnings Ratio 10.24 | 1Y Target Price 56.5 | ||
Volume (30-day avg) 264.0K shares | Beta 0.7 | 52 Weeks Range 35.14 - 54.47 | Updated Date 09/25/2026 |
52 Weeks Range 35.14 - 54.47 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 2.51% | Basic EPS (TTM) 5.07 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Services | Interest income from loans and fee-based revenue from deposit accounts. | The bank makes money by lending deposits and charging for services. |
| Wealth Management | Commissions and fees from investment advisory and brokerage services. | Financial advice and brokerage fees provide a stable, non-interest revenue stream. |
| Geography: Puerto Rico | All core operations are centered in the Puerto Rican market. | The company's health is directly tied to the economic performance of Puerto Rico. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.24 | Forward PE 7.39 | Enterprise Value 2.03B | Price to Sales(TTM) 3.37 |
Enterprise Value 2.03B | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 42.27M | Shares Floating 41.85M |
Shares Outstanding 42.27M | Shares Floating 41.85M | ||
Percent Insiders 0.97 | Percent Institutions 99.8 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About OFG Bancorp
Exchange NYSE | Headquarters 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 2185 | Website https://www.ofgbancorp.com |
Full time employees 2185 | 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. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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