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OFG Bancorp

OFG

OFG Bancorp is a financial holding company that provides a comprehensive suite of banking and financial services through its primary subsidiary, Oriental Bank.

Market cap
$2.23B+18.5%
Revenue$746.8M+4.0%
Net income$220.4M+13.2%
EPS (diluted)-$0.31-107%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$186.5M
EPS estimate$1.25

Financials

Q2 2026

Income statement

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Revenue$190.3M+4.4%
Net income$58.8M+13.5%
EPS (diluted)-$4.00-448%

Balance sheet

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Cash & equivalents$745.7M-12.5%
Total debt$21.4M+10.4%
Total equity$1.4B+5.5%
Total assets$12.2B-0.6%

Valuation & ratios

Valuation

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Market cap$2.23B+18.5%
Enterprise value$1.51B+43.1%
P/E10.1×+0.4×
P/S+0.4×

Profitability

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Net margin29.5%+2.4pp

Returns & leverage

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Return on equity16.1%+0.9pp
Debt / equity0.0×

Competitors

Profile

OFG Bancorp is a financial holding company that provides a comprehensive suite of banking and financial services through its primary subsidiary, Oriental Bank. The company delivers commercial, consumer, and mortgage lending, alongside wealth management, insurance, and investment advisory services. Its core value proposition centers on transforming into a digital-first, data-driven institution while maintaining human-centric relationships across Puerto Rico and the U.S. Virgin Islands.

Competitive position

A leading digital-focused financial institution in Puerto Rico with a significant regional branch network and specialized U.S. mainland commercial lending operations.

GeographiesPuerto Rico, U.S. Virgin Islands, United States
Customer segmentsRetail consumers, Commercial enterprises, Institutional investors
Business modelInterest-based lending, Fee-based advisory, Commission-based insurance sales, Asset management
SuppliersDepositors, Federal Reserve System, Technology and digital platform providers, Clearing agents
CustomersIndividual borrowers, Commercial businesses, Government-sponsored enterprises, Secondary market investors
Listed1987
Employees2.2K
CEOJosé Rafael Fernández
FilingsSEC EDGAR

FAQ

What is OFG Bancorp's market cap?
OFG Bancorp (OFG) has a market capitalization of $2.2B and trades on NYSE.
What is OFG Bancorp's revenue and profitability?
OFG Bancorp generated $746.8M in trailing twelve-month revenue with net income of $220.4M, representing a net margin of 29.5%. These figures are based on the Q2 2026 filing.
Who are OFG Bancorp's competitors?
OFG Bancorp's key competitors include First BanCorp, Popular, Inc., Orange County Bancorp, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does OFG Bancorp partner with?
OFG Bancorp's notable partners include Pershing LLC, Gallup, FNMA (Fannie Mae), and others.
What subsidiaries does OFG Bancorp have?
OFG Bancorp's subsidiaries include Oriental Bank, Oriental Financial Services LLC, Oriental Insurance, LLC, and others.
Where is OFG Bancorp headquartered?
OFG Bancorp is headquartered in United States of America and employs approximately 2,230 people. It has been publicly traded since 1987.