# OFG Bancorp (OFG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $53.22, market value $2.2 billion.

## Valuation
- **P/E (trailing): 10.5×** (5-yr avg 8.7×, 3-yr avg 9.2×). OFG Bancorp trades at 10.5× trailing earnings, well above its own five-year average of 8.7×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.26**. A PEG of 1.26 is in the range usually read as fairly priced for its growth.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.0%** (5-yr avg 11.4%). Free cash flow equals 9.0% of the market value, below its five-year average of 11.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.5%**. The inverse of the P/E: 9.5% of the price is earned each year.

## Profitability
- **Return on equity: 14.8%**. 14.8% on shareholders' equity is solid.
- **Return on assets: 1.5%**. Each dollar of assets produces 1.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 8.3%** (3-yr 10.0%/yr, 5-yr 28.3%/yr). Earnings per share rose 8.3%.
- **Free-cash-flow growth (3 yr): 14.3%/yr**. Free cash flow has compounded at 14.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.54%** ($1.30 per share, trailing). OFG Bancorp yields 2.54%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 25%** (27% of free cash flow). 25% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 9**. 9 straight years of increases.
- **Dividend growth (5 yr): 32.8%/yr** (1-yr 15.5%). The dividend has compounded at 32.8% a year over five years, doubling roughly every 2 years at that pace.

## Price and momentum
- **Total return (1 yr): 20.1%** (YTD 32.0%, 3-mo 15.8%). The shares are up 20.1% over twelve months including dividends.
- **From 52-week high: -2.3%** (49.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.53** (volatility 25%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OFG · Page: https://foliofundamentals.com/stocks/ofg

Not investment advice.