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Upturn AI SWOT - About
OFG 
OFG Bancorp (OFG)
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Upturn Advisory Summary
10/24/2025: 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 $49.5
1 Year Target Price $49.5
| 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 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 9.01 | 1Y Target Price 49.5 |
Price to earnings Ratio 9.01 | 1Y Target Price 49.5 | ||
Volume (30-day avg) 4 | Beta 0.81 | 52 Weeks Range 32.69 - 46.38 | Updated Date 10/26/2025 |
52 Weeks Range 32.69 - 46.38 | Updated Date 10/26/2025 | ||
Dividends yield (FY) 2.94% | Basic EPS (TTM) 4.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 1.16 | Actual 1.16 |
Profitability
Profit Margin 31.98% | Operating Margin (TTM) 38.53% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 14.82% |
Valuation
Trailing PE 9.01 | Forward PE - | Enterprise Value 1595853952 | Price to Sales(TTM) 2.81 |
Enterprise Value 1595853952 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 3.55 | Enterprise Value to EBITDA - | Shares Outstanding 44265000 | Shares Floating 43719655 |
Shares Outstanding 44265000 | Shares Floating 43719655 | ||
Percent Insiders 1.5 | Percent Institutions 98.53 |
Upturn AI SWOT
OFG Bancorp
Company Overview
History and Background
OFG Bancorp, founded in 1964 as Oriental Federal Savings Bank, is a financial holding company headquartered in San Juan, Puerto Rico. It evolved from a savings and loan to a full-service commercial bank, expanding through acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including commercial real estate loans, construction loans, and working capital loans. Also offers treasury management services.
- Retail Banking: Offers deposit accounts, mortgage loans, consumer loans, and credit cards to individuals and small businesses.
- Wealth Management: Provides investment management and trust services to individuals, families, and businesses.
Leadership and Structure
The leadership team includes the CEO, CFO, and other executive officers. The organizational structure is typical of a financial holding company, with various departments reporting to senior management. The board of directors oversees the company's operations and strategy.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating a significant portion of OFG's revenue. Market share data is not publicly available. Competitors: Popular, FirstBank Puerto Rico, Banco Popular de Puerto Rico.
- Mortgage Loans: Residential mortgage loans offered to individuals. Market share data is not publicly available. Competitors: Popular Mortgage, Scotiabank, FirstBank Puerto Rico.
- Consumer Loans: Personal loans, auto loans, and other consumer lending products. Market share data is not publicly available. Competitors: Cooperatives, Credit Unions, other banks.
Market Dynamics
Industry Overview
The banking industry in Puerto Rico is characterized by a mix of local and international players. It faces challenges such as economic volatility and regulatory compliance. Competition is intense.
Positioning
OFG Bancorp is a leading bank in Puerto Rico, known for its strong local presence and focus on customer service. Its competitive advantage lies in its established brand and knowledge of the local market.
Total Addressable Market (TAM)
The total addressable market includes all banking and financial services in Puerto Rico, estimated to be in the billions of dollars annually. OFG Bancorp aims to increase its market share through strategic growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established brand
- Experienced management team
- Diversified revenue streams
- Strong capital position
Weaknesses
- Concentration in Puerto Rico economy
- Reliance on interest income
- Limited geographic diversification
- Sensitivity to interest rate changes
Opportunities
- Expanding into new markets
- Increasing digital banking services
- Acquiring smaller institutions
- Growing wealth management business
- Capitalizing on government incentives
Threats
- Economic downturn in Puerto Rico
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Natural disasters
Competitors and Market Share
Key Competitors
- BPPR
- FBP
Competitive Landscape
OFG Bancorp competes with other banks in Puerto Rico. It has a strong local presence and customer relationships. The company needs to focus on expanding its services to stay competitive.
Major Acquisitions
Scotiabank Puerto Rico and USVI Operations
- Year: 2023
- Acquisition Price (USD millions): 550
- Strategic Rationale: Increased market share and expanded presence in Puerto Rico and the U.S. Virgin Islands.
Growth Trajectory and Initiatives
Historical Growth: OFG Bancorp has demonstrated consistent growth over the past several years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for OFG Bancorp, with revenue and earnings expected to increase in the coming years. These projections are based on the company's growth strategies and the overall economic outlook for Puerto Rico.
Recent Initiatives: Recent strategic initiatives include expanding digital banking services, investing in technology, and growing the wealth management business.
Summary
OFG Bancorp demonstrates financial stability and growth potential within the Puerto Rican market. The company's strategic acquisitions and focus on expanding digital services are positive indicators. However, reliance on the Puerto Rican economy and sensitivity to interest rate changes remain key risks. Careful management of these factors is crucial for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- OFG Bancorp Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and the advice of a qualified financial advisor. Market share data is based on available estimates and may not be precise.
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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