Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
OFG 
OFG Bancorp (OFG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: OFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $50
1 Year Target Price $50
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.09% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 10.53 | 1Y Target Price 50 |
Price to earnings Ratio 10.53 | 1Y Target Price 50 | ||
Volume (30-day avg) 4 | Beta 0.78 | 52 Weeks Range 32.92 - 46.70 | Updated Date 08/29/2025 |
52 Weeks Range 32.92 - 46.70 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 4.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.43% | Operating Margin (TTM) 43.08% |
Management Effectiveness
Return on Assets (TTM) 1.66% | Return on Equity (TTM) 15.2% |
Valuation
Trailing PE 10.53 | Forward PE - | Enterprise Value 1643764096 | Price to Sales(TTM) 3.22 |
Enterprise Value 1643764096 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 44519200 | Shares Floating 43973370 |
Shares Outstanding 44519200 | Shares Floating 43973370 | ||
Percent Insiders 1.52 | Percent Institutions 98 |
Upturn AI SWOT
OFG Bancorp
Company Overview
History and Background
OFG Bancorp was founded in 1964 as Oriental Federal Savings Bank in Puerto Rico. Over time, it has grown through organic expansion and strategic acquisitions to become a diversified financial services company serving Puerto Rico and the U.S. Virgin Islands. It evolved from a savings bank to a full-service commercial bank.
Core Business Areas
- Commercial Banking: Provides loans, deposits, and other banking services to businesses of all sizes, including commercial real estate lending, business loans, and trade finance.
- Consumer Banking: Offers retail banking services, including checking and savings accounts, mortgage loans, auto loans, personal loans, and credit cards.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
- Insurance: Sells insurance products such as life, health, and property & casualty insurance.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, and other key executives. The organizational structure is hierarchical with various departments reporting to the executive team. Gilberto Marxuach-Torru00f3s is the current President and CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not readily available without proprietary sources. Competitors include Popular, Inc., First Bancorp, and other local and regional banks.
- Mortgage Loans: Loans to individuals for purchasing or refinancing homes. OFG Bancorp holds a significant position within the Puerto Rican market, but specific market share percentages are not publicly disclosed without specific third party market research. Competitors include Popular, Inc., First Bancorp, and credit unions.
- Consumer Loans: Loans to individuals for personal use, such as auto loans and personal lines of credit. Market Share not publicly available. Competitors include Banco Popular, FirstBank, and Cooperativas (credit unions).
Market Dynamics
Industry Overview
The banking industry in Puerto Rico is characterized by a mix of local and U.S.-based institutions. It is influenced by economic conditions in Puerto Rico and the broader U.S. economy, as well as regulatory changes.
Positioning
OFG Bancorp is a leading financial services provider in Puerto Rico, with a strong market presence and a reputation for customer service. It aims to be a diversified financial services provider. Competitive advantages include its local expertise and established branch network.
Total Addressable Market (TAM)
The total addressable market for banking services in Puerto Rico is estimated to be in the billions of dollars annually, considering the size of the economy and the demand for financial products. OFG Bancorp is positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong market presence in Puerto Rico
- Diversified business model
- Experienced management team
- Established branch network
- Strong capital base
Weaknesses
- Geographic concentration in Puerto Rico, limiting diversification
- Exposure to the economic volatility of Puerto Rico
- Higher cost structure compared to some competitors
- Reliance on traditional banking model
Opportunities
- Expansion into new markets, such as the U.S. mainland
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions to expand market share
Threats
- Economic downturn in Puerto Rico
- Increased competition from fintech companies
- Regulatory changes that could increase compliance costs
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- BPDB
- FBP
- UBS
- JPM
Competitive Landscape
OFG Bancorp competes with larger banks like Banco Popular and First Bancorp, as well as smaller regional banks and credit unions. Its advantages include its local expertise and strong customer relationships. Disadvantages include its smaller size and limited geographic diversification.
Major Acquisitions
Scotiabank Puerto Rico and USVI
- Year: 2010
- Acquisition Price (USD millions): 550
- Strategic Rationale: Expanded market share and branch network in Puerto Rico and the U.S. Virgin Islands.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by examining revenue and earnings growth over the past several years.
Future Projections: Future projections are based on analyst estimates and require access to financial data providers.
Recent Initiatives: Recent initiatives would include any strategic actions taken by OFG Bancorp, such as acquisitions or new product launches.
Summary
OFG Bancorp shows decent potential with its strong presence in Puerto Rico and a diversified business model. However, it's geographically concentrated and vulnerable to Puerto Rico's economy. Strategic initiatives and digital growth are promising, but heightened competition poses a risk. Diversifying geographically and enhancing digital offerings are crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, news reports, industry analysis, Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Real-time financial data and analyst estimates were not directly accessed for this response.
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 2222 | Website https://www.ofgbancorp.com |
Full time employees 2222 | 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.
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.