Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OFG
STRONG BUYAPPROVEOFG Bancorp · Financial Services · United States · $2.2B · Avg Vol: $23M/d
OFG Bancorp clears the calibrated bar. All three legs are above the floor (Q58 V50 M70) and a buyback retiring 3.98% of shares outstanding provides substantial corroboration. Nothing adverse survives the evidence test: there is no insider selling, and the forward-EPS consensus was revised up 2.7%. Momentum at M70 is strong, and higher-for-longer rates support net interest margin for a deposit-funded Puerto Rico lender.
COMPANY DESCRIPTION
OFG Bancorp is a financial holding company providing a comprehensive range of banking, wealth management, and mortgage services primarily in Puerto Rico and the U.S. Virgin Islands through its Oriental Bank subsidiary. The company has established itself as one of the largest and most prominent financial institutions in its core Caribbean markets, benefiting from deep local customer relationships and brand recognition. OFG's integrated approach offers a distinct competitive advantage within its focused geographic footprint.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 565.0M | 640.1M | 660.9M | 680.2M | 6.4% | 634.5M | 698.4M | 701.2M | 1.5% |
| EPS | 3.46 | 3.85 | 4.25 | 4.60 | 10.0% | 4.84 | 5.12 | 5.03 | 4.6% |
| Shares | 47.6M | 47.1M | 45.4M | 43.3M | -9.1% | 42.3M | — | — | — |
| Debt | 54.4M | 224.8M | 347.3M | 479.7M | 106.6% | 578.8M | — | — | — |
| Equity | 1.0B | 1.2B | 1.3B | 1.4B | 10.1% | — | — | — | — |
| Op CF | 164.5M | 295.7M | 252.5M | 217.7M | 9.8% | 207.8M | — | — | — |
| Inv CF | -1.5B | -1.4B | -336.0M | -438.4M | — | — | — | — | — |
| Fin CF | -124.7M | 1.3B | -73.6M | 669.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OFG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OFG | OFG Bancorp(you) | $2.2B | 87 | STRONG BUY |
| SRCE | 1st Source Corporation | $2.1B | 84 | STRONG BUY |
| PFS | Provident Financial Services, Inc. | $3.1B | 85 | STRONG BUY |
| BY | Byline Bancorp, Inc. | $1.8B | 81 | STRONG BUY |
| CTBI | Community Trust Bancorp, Inc. | $1.4B | 85 | STRONG BUY |
| FCF | First Commonwealth Financial Corporation | $2.1B | 76 | BUY |
| PEBO | Peoples Bancorp Inc. | $1.4B | 83 | STRONG BUY |
| TMP | Tompkins Financial Corporation | $1.4B | 91 | STRONG BUY |
| NWBI | Northwest Bancshares, Inc. | $2.3B | 74 | BUY |
| FMBH | First Mid Bancshares, Inc. | $1.4B | 83 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%