OFG | Ticker Profile - Titan Protect

OFG

OFG Bancorp

Financial Services · Banks - Regional · NYQ

$46.27

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.9B

Total market value of the company

Trailing P/E

9.42

Very cheap relative to earnings

Forward P/E

9.70

Based on estimated future earnings — lower means cheaper

Rev Growth

+6.9%

Year-over-year revenue change

Profit Margin

33.6%

How much profit the company keeps from each dollar of revenue

ROE

16.0%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$48.00

+4% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 4 analysts covering this stock

About OFG Bancorp

OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; 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 was founded in 1964 and is headquartered in San Juan, Puerto Rico.

https://www.ofgbancorp.com/Overview/default.aspx

Country: United States Employees: 2,181 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.631

Good returns relative to risk taken

Kelly Fraction

0.0421

Modest edge detected — smaller position warranted

Calmar Ratio

0.609

Acceptable balance between returns and drawdown risk

Annual Return

15.0%

Historical annualised return based on price data

Max Drawdown

-24.6%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.73

Less volatile than the market — more defensive

52W High

$46.85

1% below the year high

52W Low

$35.71

30% above the year low

Avg Volume

318,837

Average daily shares traded — higher means easier to buy and sell

Short Ratio

4.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

4.1%

Low short interest — limited bearish positioning

Div Yield

285.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$4.84

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

43.8%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$635M

Total revenue over the last 12 months

Net Income

$213M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$50.00

Target Median

$48.00

Target Low

$45.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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