US · OFG
OFG Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- San Juan, PR 00918
- Website
- ofgbancorp.com
Price · as of 2025-12-31
$45.74
Market cap 1.73B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $33.16 | -27.5% |
| Intrinsic Value(DCF) | $35.77 | -21.8% |
| Graham-Dodd Method(GD) | $33.35 | -27.1% |
| Graham Formula(GF) | $56.02 | +22.47% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.64 | $65.09 | $28.15 | $14.76 | $12.24 |
| 2012 | $11.87 | $58.56 | $52.51 | $14.42 | $1.07 |
| 2013 | $12.79 | $52.11 | $156.20 | $20.16 | $141.13 |
| 2014 | $13.43 | $31.38 | $46.13 | $19.03 | $11.76 |
| 2015 | $5.74 | $25.61 | $22.01 | $7.33 | $0.56 |
| 2016 | $9.85 | $61.49 | $22.53 | $17.54 | $10.70 |
| 2017 | $10.01 | $21.31 | $20.84 | $17.21 | $10.20 |
| 2018 | $16.71 | $35.63 | $23.11 | $21.22 | $21.16 |
| 2019 | $14.45 | $45.17 | $25.99 | $17.83 | $15.75 |
| 2020 | $20.15 | $50.39 | $38.97 | $20.60 | $47.48 |
| 2021 | $24.47 | $34.24 | $44.70 | $27.46 | $22.22 |
| 2022 | $25.55 | $39.78 | $41.18 | $27.86 | $64.55 |
| 2023 | $35.71 | $36.22 | $46.05 | $29.70 | $110.80 |
| 2024 | $39.91 | $34.53 | $123.53 | $31.66 | $87.39 |
| 2025 | $40.58 | $33.16 | $33.15 | $33.35 | $56.02 |
AI valuation
Our deep-learning model estimates OFG Bancorp's (OFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $33.16
- Current price
- $45.74
- AI upside
- -27.5%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$35.77
-21.8% upside
Graham-Dodd
$33.35
-27.1% upside
Graham Formula
$56.02
+22.47% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OFG | OFG Bancorp | $45.74 | 1.73B | -28% | -22% | -27% | +22% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| BLX | Banco Latinoamericano de … | $50.03 | 1.86B | +205% | -11% | +51% | — | 8.22 | 1.11 | 5.49 | 17.50 | 90.31 | 1.12 | 93.49% | 66.81% | 66.81% | 15.05% | 5.94% | 1.84% | 2.40 | — | 14.75 | 14.75 | 9.28 | 911.00% | -5811.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 27.54% | 17.50 | — | 11.69 | 0.47 |
| CHCO | City Holding Company | $119.97 | 1.73B | -49% | -7% | -15% | +2% | 13.31 | 2.15 | 4.43 | 12.57 | 100.02 | 2.66 | 79.01% | 41.46% | 33.28% | 16.94% | 11.99% | 1.98% | 0.64 | 1.92 | 0.03 | 0.03 | 2.43 | 1331.00% | 562.00% | 169.00% | 7.56% | 0.04 | 11.99% | 0.00% | 0.00% | 0.00% | 13.24 | 16.39 | 5.49 | -0.03 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| FCF | First Commonwealth Financ… | $17.53 | 1.82B | +87% | -19% | -46% | +53% | 10.88 | 1.10 | 2.22 | 3.33 | — | 1.52 | 64.16% | 25.47% | 20.38% | 10.49% | 20.39% | 1.24% | 0.24 | 0.80 | 0.13 | 0.13 | 1.14 | -974.00% | 1166.00% | -1150.00% | 7.35% | 0.01 | 16.30% | 3.39% | 36.90% | 31.80% | 3.44 | 5.38 | 0.88 | -0.56 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| NIC | Nicolet Bankshares, Inc. | $152.76 | 2.26B | -29% | -4% | -41% | -6% | 15.51 | 1.86 | 4.23 | 9.69 | 72.18 | 2.67 | 69.47% | 33.83% | 27.27% | 12.40% | 27.63% | 1.68% | 0.11 | 1.14 | 0.95 | 0.95 | -2.81 | 2149.00% | 639.00% | 2748.00% | 6.39% | 0.02 | 27.40% | 0.80% | 12.40% | 10.48% | 9.69 | 12.13 | 3.28 | 0.36 |
| NWBI | Northwest Bancshares, Inc… | $12.45 | 1.82B | +133% | -0% | -77% | +63% | 14.70 | 0.98 | 2.11 | 2.91 | 89.35 | 1.32 | 68.32% | 18.79% | 14.37% | 7.23% | 21.71% | 0.81% | 0.24 | 0.73 | 0.13 | 0.13 | 1.29 | 1646.00% | 1630.00% | -7470.00% | 1.71% | 0.00 | 5.46% | 5.93% | 87.20% | 5.93% | 2.91 | 15.11 | 0.55 | -0.65 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| PNFP | Pinnacle Financial Partne… | $90.76 | 6.98B | -38% | +1% | -18% | +56% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| SRCE | 1st Source Corporation | $67.01 | 1.64B | -46% | +37% | -14% | +27% | 10.45 | 1.30 | 2.76 | 1.88 | 50.93 | 1.39 | 70.32% | 34.18% | 26.38% | 13.27% | 72.43% | 1.76% | 0.27 | 1.23 | 12.62 | 12.62 | 1.27 | 2052.00% | 520.00% | 1771.00% | 12.91% | 1.77 | 97.42% | 2.32% | 24.30% | 3.16% | 1.97 | 1.89 | 0.67 | 0.62 |
About OFG Bancorp
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.
- CEO
- José Rafael Fernández
- Employees
- 2.22K
- Beta
- 0.75
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($35.77 ÷ $45.74) − 1 = -21.8% (DCF, example).