Valuation dashboard for OFG Bancorp (OFG) with P/E 9.69, P/B 1.58, EV/EBITDA 7.0 and dividend yield 2.70%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans.
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 15.8 % (2.0×) $63 (+27 %); at its peers' median (1.4×) $45 (-10 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
OFG Bancorp reported revenue of $862.6M in the most recent fiscal year, growing at a 5-year CAGR of 9.8%. Net income reached $205.1M, with a 22.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 75.9%, operating margin 32.2%, net margin 24.6%.
At $50.01 (closing price, October 30, 2026), OFG trades at a P/E of 9.69 and an ROE of 16.38%. Market capitalisation stands at $2.1B.
Balance sheet quality for OFG: debt-to-equity ratio of 0.47, current ratio of 0.32 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 9.69 |
| Price / Book | 1.58 |
| EV / EBITDA | 7.0 |
| Dividend Yield | 2.70% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OFG | OFG Bancorp | $2.1B | 9.69 | 1.58 | 16.4% |
| PNFP | Pinnacle Financial Partners, Inc. | $15.4B | 12.19 | 1.05 | 8.0% |
| OZK | Bank OZK | $5.5B | 8.50 | 0.92 | 10.9% |
| FRME | First Merchants Corporation | $2.5B | 12.53 | 0.96 | 7.5% |
| EFSC | Enterprise Financial Services Corp | $2.2B | 12.41 | 1.16 | 9.4% |
| NWBI | Northwest Bancshares, Inc. | $2.2B | 11.29 | 1.19 | 10.5% |
| CHCO | City Holding Company | $2.0B | 15.58 | 2.56 | 16.4% |
| SRCE | 1st Source Corporation | $2.1B | 11.97 | 1.60 | 13.8% |
Price
| Price | $50.01 (closing price, October 30, 2026) |
| Market Cap | $2.1B |
| Exchange | NYSE |
| Country | PR |
Profitability
| Return on Equity | 16.38% |
| Return on Invested Capital | 11.85% |
| Return on Assets | 1.85% |
| Gross Margin | 75.89% |
| Operating Margin | 32.20% |
| Net Margin | 24.64% |
Related companies: PNFP · OZK · FRME · EFSC · NWBI · CHCO · SRCE · NIC
Explore sector: Financial Services · Banks - Regional
More sections of OFG: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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