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Puerto Rico bank holding company operating Oriental Bank, providing retail, commercial and wealth banking services.
Puerto Rico bank holding company operating Oriental Bank, providing retail, commercial and wealth banking services.
Earns mostly from interest on auto, consumer and commercial loans funded by Puerto Rican deposits, with the island's economy and federal spending the swing factors. It grew mostly by acquiring failed or exiting banks, including units of BBVA and Scotiabank. Fee income from wealth and insurance supplements it.
In one line: Puerto Rico's community bank.
Moat: narrow (scale, distribution). One of Puerto Rico's few remaining large banks after post-crisis consolidation.
Headquarters: San Juan, Puerto Rico · Employees: 2,185
Size OFG Bancorp (OFG) is a United States Financials company (Major Banks) with a market value of $2.15B, the 1750th largest of 3,117 United States companies the cockpit tracks. Shares closed at $50.82 on 6 Nov 2026.
Performance Over six months the shares gained 10.5%, against +2.2% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 20 in its peer set.
Growth Revenue grew 2.1% over the last twelve months (peer median +7.4%); the operating margin is 35.1% (peer median 27.9%).
Valuation It trades at 1.60× book value against a peer median of 0.90× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 12.0%; OFG Bancorp delivers 16.6%, so the price asks less than the business earns today.
Short interest Short interest is 5.1% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $915M | $903M | $871M | $777M | $649M |
| Revenue growth | — | +4% | +12% | +20% | — |
| Net income | $225M | $205M | $198M | $182M | $166M |
| Free cash flow | n/a | $199M | $231M | $278M | $133M |
| Capital expenditure | n/a | $18.4M | $41.7M | $17.9M | $31.0M |
| Total debt | $627M | $580M | $423M | $225M | $54.4M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| OFG Bancorp OFG | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% |
| Popular BPOP | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% |
| First Bancorp FBP | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | OFG | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.2% | -0.9% | 10th highest of 21 |
| 6-month return | +10.5% | +2.2% | 5th highest of 20 |
| Return on equity | 16.6% | 7.9% | 2nd highest of 21 |
| Price / book | 1.60× | 0.90× | 3rd most expensive of 21 |
| Trailing P/E | 9.7× | 11.6× | 9th cheapest of 20 |
| ROE the price implies | 12.0% | 7.4% | 5th most demanding of 21 |
| ROE delivered | 16.6% | 8.0% | 2nd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |