OFG Bancorp (OFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OFG Bancorp stock (OFG) is currently trading at $40.41. OFG Bancorp PE ratio is 8.71. OFG Bancorp PS ratio (Price-to-Sales) is 2.77. Analyst consensus price target for OFG is $44.40. WallStSmart rates OFG as Moderate Buy.
- OFG PE ratio analysis and historical PE chart
- OFG PS ratio (Price-to-Sales) history and trend
- OFG intrinsic value — DCF, Graham Number, EPV models
- OFG stock price prediction 2025 2026 2027 2028 2029 2030
- OFG fair value vs current price
- OFG insider transactions and insider buying
- Is OFG undervalued or overvalued?
- OFG Bancorp financial analysis — revenue, earnings, cash flow
- OFG Piotroski F-Score and Altman Z-Score
- OFG analyst price target and Smart Rating
OFG Bancorp
📊 No data available
Try selecting a different time range
OFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OFG Bancorp (OFG)
OFG trades at a significant discount to its Graham intrinsic value of $152.79, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OFG Bancorp (OFG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
OFG Bancorp (OFG) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $33 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
99.06% of shares held by major funds and institutions
Trading at 1.22x book value, attractively priced
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
OFG Bancorp (OFG) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.77x sales
Solid earnings growth at 16.60%
OFG Bancorp (OFG) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.2/10) while 3 fall into concern territory (avg 5.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.92), Price/Book (1.22) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.50%, Operating Margin at 33.10%, Profit Margin at 32.90%.
The Bear Case
The primary concerns are Market Cap, Price/Sales, EPS Growth. Some valuation metrics including Price/Sales (2.77) suggest expensive pricing. Growth concerns include EPS Growth at 16.60%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.50% currently healthy but needing to be sustained. Third, growth sustainability, with EPS Growth at 16.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OFG's Price-to-Sales ratio of 2.77x trades 67% above its historical average of 1.66x (98th percentile), historically expensive. The current valuation is 1% below its historical high of 2.78x set in Mar 2026, and 1283% above its historical low of 0.2x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for OFG Bancorp (OFG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
OFG Bancorp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 624M with 0% growth year-over-year. Profit margins are strong at 32.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1550.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.9% and operating margin of 33.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact OFG Bancorp.
Bottom Line
OFG Bancorp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(90 last 3 months)
| Insider | Type | Shares |
|---|---|---|
FRANQUI, ANNETTE Director | Buy | +1,540 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:53 AM
About OFG Bancorp(OFG)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.