Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
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
10/23/2026: OFG (2-star) is currently NOT-A-BUY. Pass it for now.
OFG Bancorp is a leading regional financial holding company primarily serving the Puerto Rican market through comprehensive banking and wealth management services. The company has a solid reputation for operational discipline and effective integration of past acquisitions, which has solidified its competitive positioning. A key growth opportunity lies in its continued digital transformation and potential expansion in commercial lending as the regional economy matures. However, investors should monitor risks associated with geographic concentration in Puerto Rico, economic volatility, and intensifying competition from larger financial institutions. The stock is well-suited for income-focused investors due to its consistent dividend history, while value investors may find the current valuation attractive.
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 driven by regional economic factors rather than high-octane sector expansion. |
| Momentum investor | Strong fit while signal remains positive | The stock often trends with broader regional banking sentiment and positive financial performance signals. |
| Value investor | Strong fit | The company often trades at valuations that may appeal to value investors looking for regional financial stability. |
| Dividend investor | Strong fit | Consistent dividend payouts make it an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, geographic concentration in Puerto Rico adds a layer of regional risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is subject to fluctuations based on interest rate changes and Puerto Rico's economic outlook. |
| Valuation risk | Low | Current valuations generally align with regional bank peers, limiting significant downside risk. |
| Competition risk (regional banking competition) | Medium | Intense competition from larger local and mainland peers can pressure margins. |
| Business quality | Strong | The bank has maintained a solid franchise and strong balance sheet health. |
| Dividend income | Low | Dividend payments are supported by stable earnings and prudent capital management. |
| Execution risk | Medium | Successful implementation of digital initiatives and loan management remains critical for future growth. |
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 5.62% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 2.15B USD | Price to earnings Ratio 9.78 | 1Y Target Price 56.75 |
Price to earnings Ratio 9.78 | 1Y Target Price 56.75 | ||
Volume (30-day avg) 304.5K shares | Beta 0.74 | 52 Weeks Range 34.90 - 54.09 | Updated Date 10/24/2026 |
52 Weeks Range 34.90 - 54.09 | Updated Date 10/24/2026 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 5.24 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, consumer, and mortgage loans minus interest paid on deposits. | The bank earns money by lending at higher rates than it pays to depositors. |
| Non-Interest Income | Service charges, trust fees, insurance commissions, and brokerage income. | Revenue comes from fees for services beyond traditional lending. |
| Geography: Puerto Rico | All core banking and financial operations conducted on the island. | The company's performance is closely tied to the economic health of Puerto Rico. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 1.25 | Actual 1.33 |
Profitability
Profit Margin 34.06% | Operating Margin (TTM) 42.78% |
Management Effectiveness
Return on Assets (TTM) 1.85% | Return on Equity (TTM) 16.61% |
Valuation
Trailing PE 9.78 | Forward PE 7.39 | Enterprise Value 2.21B | Price to Sales(TTM) 3.26 |
Enterprise Value 2.21B | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.87 | Enterprise Value to EBITDA - | Shares Outstanding 42.01M | Shares Floating 41.59M |
Shares Outstanding 42.01M | Shares Floating 41.59M | ||
Percent Insiders 0.97 | Percent Institutions 99.89 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.