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Earnings transcript
Read the complete earnings call transcript.
OFG
OFG Bancorp
$41.35
0.26
(0.63%)
| Exchange: | NYSE |
| Market Cap: | 1.781B |
| Shares Outstanding: | 11.317M |
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, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; 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 operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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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) | 748,992.215 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 751,511.784 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 750,252 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 294,120.631 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 295,110.037 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 294,615.335 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 241,044.250 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 242,098.639 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 241,571.445 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 183,346.338 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 183,963.105 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 183,654.721 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.100 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.110 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.090 | 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.
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
0.63
Trading Metrics:
| Open: | 40.62 | Previous Close: | 41.09 | |
| Day Low: | 40.41 | Day High: | 41.37 | |
| Year Low: | 33.15 | Year High: | 46.11 | |
| Price Avg 50: | 40.27 | Price Avg 200: | 41.79 | |
| Volume: | 131616 | Average Volume: | 369516 |
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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…
