OFG
Financial ServicesOFG Bancorp · Banks - Regional · $2B
What is OFG Bancorp?
OFG Bancorp is a Puerto Rico-based financial holding company offering banking, wealth management, and treasury services through a network of branches across the island.
OFG generates revenue through traditional banking products — checking, savings, and time deposits — alongside commercial, consumer, auto, and mortgage lending. Its wealth management arm provides investment advisory, brokerage, and retirement plan services, while the treasury segment manages an investment portfolio of government-backed and mortgage-backed securities.
Founded in 1987 and headquartered in San Juan, OFG Bancorp has built a multi-decade presence in Puerto Rico's financial sector.
- Consumer and commercial lending
- Wealth management and investment advisory
- Retirement and trust services
- Treasury and investment portfolio management
Is OFG a Good Stock to Buy?
UQS Score rates OFG as Below Average overall, reflecting a mixed pillar profile.
The Quality pillar stands out as a genuine strength, suggesting the bank maintains sound fundamentals relative to its size. Valuation also registers as Good, meaning the stock does not appear richly priced compared to peers.
Moat, Growth, and Risk all score Weak — pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk factors worth monitoring.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does OFG pay dividends?
Yes — OFG Bancorp pays a dividend.
OFG Bancorp pays a regular dividend, which is common among community and regional banks that generate steady deposit-funded income. Income-oriented investors may find this cadence appealing, though dividend sustainability should be weighed against the bank's Weak Risk pillar rating.
When does OFG report earnings?
OFG Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Quality pillar suggests underlying fundamentals have held up, even as Growth and Risk readings remain below average. Investors should track loan portfolio trends and net interest margin commentary each quarter for directional signals.
For the most recent quarter's results, visit OFG Bancorp's investor relations page directly.
OFG Price History
+111.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in OFG Bancorp?
Based on OFG Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does OFG Bancorp do?
OFG Bancorp is a financial holding company operating in Puerto Rico. It provides retail and commercial banking, wealth management, brokerage, retirement plan administration, and treasury services through roughly 50 branches.
Does OFG pay dividends?
Yes, OFG Bancorp pays a regular dividend. Regional banks like OFG often return capital to shareholders through dividends given their deposit-driven, income-generating business model. Check the company's investor relations page for the current dividend rate.
When does OFG report earnings?
OFG Bancorp follows a standard quarterly earnings schedule. Exact dates are published on the company's investor relations page ahead of each reporting period.
Is OFG a good stock to buy?
UQS Score rates OFG as Below Average overall. While the Quality and Valuation pillars are constructive, the Weak readings on Moat, Growth, and Risk suggest meaningful headwinds. Pro members can view the full pillar breakdown to form their own view.
Is OFG overvalued?
OFG's Valuation pillar is rated Good, indicating the stock does not appear expensive relative to peers. However, valuation alone does not determine investment merit — the Weak Growth and Risk pillars are important context.
What is OFG's market cap bracket?
OFG Bancorp is classified as a small-cap company. Small-cap banks can offer niche market exposure but often carry higher concentration risk and lower liquidity than larger regional or national banks.
Who founded OFG Bancorp?
OFG Bancorp was founded in 1987. Detailed founding history and leadership background are publicly available on the company's official website and investor relations materials.
Is OFG a long-term quality holding?
As a long-term quality indicator, OFG's profile is mixed. The Strong Quality pillar is a positive signal, but Weak Moat and Growth ratings suggest limited structural advantages and expansion potential — factors that matter significantly over a long horizon.
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Pro Analysis
OFG — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 55.4 | 88.2 | 28.0 | 15.9 | 71.3 | 83.4 | 0.0 |
| May 21, 2026 | 55.4 | 88.2 | 28.0 | 15.9 | 71.3 | 83.0 | -0.1 |
| May 19, 2026 | 55.5 | 88.2 | 28.0 | 15.9 | 71.3 | 83.4 | +1.4 |
| May 12, 2026 | 54.1 | 82.8 | 28.0 | 15.9 | 71.3 | 83.6 | +4.3 |
| May 7, 2026 | 49.8 | 87.1 | 28.0 | 15.9 | 34.8 | 84.1 | 0.0 |
| Apr 26, 2026 | 49.8 | 87.1 | 28.0 | 15.9 | 34.8 | 84.3 | -0.2 |
| Apr 23, 2026 | 50.0 | 87.1 | 28.0 | 15.9 | 34.8 | 85.6 | +1.9 |
| Apr 20, 2026 | 48.1 | 87.1 | 28.0 | 14.2 | 34.8 | 75.0 | +0.1 |
| Apr 18, 2026 | 48.0 | 87.1 | 28.0 | 13.9 | 34.8 | 75.0 | +0.9 |
| Apr 2, 2026 | 47.1 | 87.1 | 28.0 | 13.9 | 34.8 | 68.8 | — |
OFG — Pillar Breakdown
Quality
— 88.2/100 (25%)OFG Bancorp demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 15.9/100 (20%)OFG Bancorp faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 71.3/100 (15%)OFG Bancorp maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 83.4/100 (15%)OFG Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)OFG Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for OFG.
Score Composition
Financial Data
More Stock Analysis
How is the OFG UQS Score Calculated?
The UQS (Unified Quality Score) for OFG Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses OFG Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether OFG Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.