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Earnings transcript
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OFG
OFG Bancorp
$46.74
0.31
(0.67%)
| Exchange: | NYSE |
| Market Cap: | 1.975B |
| Shares Outstanding: | 11.317M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | José Rafael Fernández | |||||
| Full Time Employees: | 2223 | |||||
| Address: |
| |||||
| Website: | https://www.ofgbancorp.com |
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. Beyond traditional lending and deposits, OFG Bancorp also provides financial planning, insurance, and trust services for both corporate and individual clients, as well as retirement plan administration. The firm extends its offerings to securities brokerage and investment advisory, assisting retail and institutional investors with various investment vehicles, including tax-advantaged fixed income instruments, mutual funds, stocks, and bonds. This segment also manages separately-managed accounts and offers mutual fund asset allocation programs. Furthermore, OFG Bancorp is engaged in insurance agency and reinsurance activities, and its Treasury segment actively manages an investment portfolio composed of mortgage-backed securities, U.S. government-sponsored agency obligations, U.S. Treasury securities, and money market instruments. It also participates in and manages public and private placements of debt and equity. Additional services encompass money management and investment banking. The company also oversees asset/liability management strategies, which involve the purchase and sale of investment securities, interest rate risk management, derivatives, and various borrowing activities. Founded in 1964 and headquartered in San Juan, Puerto Rico, OFG Bancorp serves its customers through a network of 50 branches in Puerto Rico and two branches in the U.S. Virgin Islands.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 728,151 | 822,775 | 862,616 |
| Gross Profit | 579,503 | 578,687 | 614,523 |
| EBITDA | 291,817 | 280,535 | 285,151 |
| Operating Income | 265,248 | 253,748 | 266,007 |
| Net Income | 181,872 | 198,170 | 205,104 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 11,344,453 | 11,500,734 | 12,465,657 |
| Total Liabilities | 10,150,973 | 10,246,363 | 11,075,652 |
| Total Stockholders Equity | 1,193,480 | 1,254,371 | 1,390,005 |
| Total Debt | 224,799 | 422,562 | 580,461 |
| Cash and Cash Equivalents | 748,173 | 591,137 | 1,040,335 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 295,657 | 252,500 | 0 |
| Capital Expenditure | -17,857 | -41,713 | 0 |
| Free Cash Flow | 277,800 | 210,787 | 0 |
| Net Income | 181,872 | 198,170 | 205,103 |
| Net Change in Cash | 197,709 | -157,036 | -591,137 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 761,942.442 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 761,942.814 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 761,942.628 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 299,206.037 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 299,206.183 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 299,206.110 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 242,954.086 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 244,986.128 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 243,970.107 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 186,516.433 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 186,516.524 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 186,516.478 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.170 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.130 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: OFG Bancorp reported strong financial results in Q3 2025, as highlighted in the earnings call transcript, with key metrics such as revenue, net income, and EPS showing positive trends. This performance reflects effective operational management and positions the company favorably within the banking sector.
- Solid Balance Sheet and Capital Management: The earnings call emphasized active capital allocation through share buybacks and maintaining a strong balance sheet, as supported by balance sheet data (e.g., total assets, retained earnings, and total stockholders' equity). This financial stability enhances investor confidence and provides flexibility for future growth initiatives.
- Operational Efficiency: Key metrics such as ROE (Return on Equity) and ROIC (Return on Invested Capital) from the TTM data indicate efficient use of capital and profitability, positioning OFG as a competitive player in its industry.
- Dividend Yield and Investor Appeal: The dividend yield (TTM) and consistent dividend payments (lastDiv) provide an attractive return to shareholders, aligning with the wealth-building goals of the target audience.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates OFG intrinsic value between $49.80 – $66.13 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about OFG valuation
Is OFG Bancorp (OFG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for OFG Bancorp (OFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is OFG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is OFG’s P/E ratio?
You can see OFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for OFG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is OFG a good long-term investment?
Whether OFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
OFG
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Daily snapshot
0.67
Trading Metrics:
| Open: | 46.7 | Previous Close: | 46.43 | |
| Day Low: | 46.61 | Day High: | 47.62 | |
| Year Low: | 35.71 | Year High: | 47.62 | |
| Price Avg 50: | 44.24 | Price Avg 200: | 42.11 | |
| Volume: | 182682 | Average Volume: | 316979 |
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Login — it's freeOFG full analysis
Welcome to MARKETSNAP’s SWOT analysis for OFG Bancorp, a financial player that might not be on everyone’s radar but definitely deserves a closer look if you’re hunting for solid long-term opportunities in the banking sector. Today, we’re diving deep into what makes this company tick, breaking down its strengths, weaknesses, opportunities, and threats, while keeping an eye on both short-term trends and the bigger picture for wealth-building. So, grab a coffee, let’s unpack this together, and see if OFG Bancorp…
