• Basic Membership Access to Journal, Shadow Stock portfolio & monthly updates for stock screens
  • A+ Investor Full access to AAII.com, Journal, and a power data suite for investment ideas
  • AAII Platinum Full access to all of AAII's model portfolios and premium services at a significant discount
  • Dividend Investing Newsletter and model portfolio that focuses on dividend growth
  • AAII Growth Investing Find secular growth stocks poised for outperformance regardless of macroeconomic conditions.
  • Retirement Investing Discover trusted strategies for every stage of retirement. Get actionable insights and resources for smart retirement planning.
  • Sentiment Investing A research-driven newsletter with 10+ signals decoding sentiment across retail and institutional behavior.
  • Stock Superstars Report Get stock ideas inspired by the market's leading professionals
  • VMQ Stocks For the value investor looking to harness academic research in an actively managed portfolio
  • Bits and Bips Newsletter delivering insights on linking traditional finance, macro trends and cryptocurrency opportunities to help investors build stronger, more diversified portfolios.
All premium products come with free basic membership.
Explore All Membership Options
Join Now

Stock Evaluator: OFG Bancorp (OFG)

OFG Bancorp OFG

$52.86 0.37 0.70%
July 31, 2026 4:00:02 PM EST November 10, 2021 Volume: 257,196
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.

Commentary & Analysis

Financial Summary

Share Statistics OFG Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $2,234.1 $716.9 55%
Shares Out (Mil) 43.0 15.7 44%
Institutional Ownership 99.0% 83.0% 84%
Float (Mil) 41.8 21.2 44%
Beta 0.71 0.48 41%
Avg Daily Volume (000s) 365 53 54%
Price Change
(52-week)		 24.6% 96.7% 65%
Growth OFG Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 7.6% 7.6% 48%
Net Income (5yr) 22.5% 11.1% 76%
EPS (5yr) 28.3% 10.1% 79
Dividends (5yr) 33.8% 3.6% 83%
Cash Flow (5yr) (16.9%) (17.0%) 42%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 5 4 5
Current EPS $1.216 $5.100 $5.012
Month Ago EPS $1.175 $4.703 $4.700
# Rev Up 2 1 1
# Rev Down 1 0 0
Three Months Ago EPS $1.175 $4.703 $4.700
Year/Year Chg (3.5%) 11.4% 13.5%
Financials OFG Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $635 $190 44%
Net Income (TTM) (Mil) $214 $51 69%
EPS (TTM) $4.860 $2.500 86%
Operating Cash Flow (TTM) (Mil) $208 $34 60%
Net Cash Flow (TTM) (Mil) ($74) $1 16%
Long-Term Debt (Q1) (Mil) $418 $100 57%
Enterprise Value (Q1) (Mil) na $0 na
Valuation OFG Industry
Median		 Percentile
(All Stocks)
P/B 1.63 1.27 43%
P/E 10.9 12.9 19%
Dividend Yield 2.6% 2.2% 81%
PEG (5yr hist) 0.4 1.1 18%
Ratios OFG Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 33.9% 28.9% 92%
ROA 1.8% 1.0% 54%
ROE 16.0% 11.1% 73%
Liabilities to Assets 88.7% 89.8% 83%
F-Score 4 4 34%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, OFG meetings the criteria of 3 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

Passing Stocks

1st Source Corporation SRCE
Aflac Incorporated AFL
Amalgamated Financial Corp. AMAL
American Financial Group, Inc. AFG
Ameris Bancorp ABCB
See All 182 Stocks (as of 7/31/2026)
FACTOR STRATEGY

P/E Relative Screen

Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market. 
Performance Since Inception: 13.7%
+/- S&P 500: +6.2

Passing Stocks

Addus HomeCare Corporation ADUS
Afya Limited AFYA
AllianceBernstein Holding L.P. AB
Allison Transmission Holdings, Inc. ALSN
Ameresco, Inc. AMRC
See All 112 Stocks (as of 7/31/2026)
FACTOR STRATEGY

Value on the Move--PEG With Hist Growth Screen

Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price. 
Performance Since Inception: 13.9%
+/- S&P 500: +6.4

Passing Stocks

1st Source Corporation SRCE
AAR Corp. AIR
Affiliated Managers Group, Inc. AMG
Applied Industrial Technologies, Inc. AIT
Archrock, Inc. AROC
See All 69 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors