/OFG

OFG Stock - OFG Bancorp

Q: What is the analyst price target for OFG?

Analyst price target information is not currently available for OFG.

Q: What is OFG's market cap?

Market capitalization information is not currently available for OFG.

Financial Services|Banks - Regional|NYSE

$40.82-0.75%

$0.31 (-0.75%) • Jan 13

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+11.5%upside

Target: $45.51

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.78

52W High$46.11

52W Low$33.15

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$822.77M	$728.15M	$598.51M	$539.08M	$541.21M
Gross Profit	$578.69M	$579.50M	$540.89M	$497.03M	$383.62M
Gross Margin	70.3%	79.6%	90.4%	92.2%	70.9%
Operating Income	$253.75M	$265.25M	$244.10M	$214.60M	$94.83M
Net Income	$198.17M	$181.87M	$166.24M	$146.15M	$74.33M
Net Margin	24.1%	25.0%	27.8%	27.1%	13.7%
EPS	$4.25	$3.85	$3.46	$2.85	$1.32

Company Overview

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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Rating Distribution

Strong Buy

Buy / Outperform

80%

Hold / Neutral

20%

Sell / Underperform

Analyst Consensus🟢 Bullish

4 Bullish1 Neutral/Bearish

Price Targets

$46

Average Target

↑ 13.1% Upside

Now

$35

Low

$46

Average

$51

High

Based on 6 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
October 9th 2025	Truist	Initiation	Buy	$50
April 24th 2025	Hovde Group	Reiterated	Outperform	$50← $53.5
April 9th 2025	Wells Fargo	Downgrade	Equal Weight	$42
August 26th 2024	Piper Sandler	Resumed	Overweight	$49
July 22nd 2024	Hovde Group	Reiterated	Outperform	$51← $44
April 12th 2022	Keefe Bruyette	Resumed	Outperform	$35

Earnings History & Surprises

OFG

Beat Rate

78%

Last 18 quarters

Avg Surprise

+8.5%

EPS vs Estimate

Beats / Misses

14/4

Last 12 quarters

Latest EPS

$1.16

Q4 2025

EPS Surprise History

Q1 24

+1.1%

$0.94vs$0.93

Q2 24

+10.5%

$1.05vs$0.95

Q3 24

+12.5%

$1.08vs$0.96

Q4 24

-2.0%

$1.00vs$1.02

Q1 25

+12.4%

$1.09vs$0.97

Q2 25

-2.0%

$1.00vs$1.02

Q3 25

+9.5%

$1.15vs$1.05

Q4 25

-0.9%

$1.16vs$1.17

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 21, 2026	—	—	—	—
Q1 2026	Jan 22, 2026	$1.16	—	—	—
Q4 2025	Oct 22, 2025	$1.17	$1.16	-0.9%	✗ MISS
Q3 2025	Jul 17, 2025	$1.05	$1.15	+9.5%	✓ BEAT
Q2 2025	Apr 23, 2025	$1.02	$1.00	-2.0%	✗ MISS
Q1 2025	Jan 22, 2025	$0.97	$1.09	+12.4%	✓ BEAT
Q4 2024	Oct 16, 2024	$1.02	$1.00	-2.0%	✗ MISS
Q3 2024	Jul 18, 2024	$0.96	$1.08	+12.5%	✓ BEAT
Q2 2024	Apr 18, 2024	$0.95	$1.05	+10.5%	✓ BEAT
Q1 2024	Jan 24, 2024	$0.93	$0.94	+1.1%	✓ BEAT
Q4 2023	Oct 20, 2023	$0.94	$0.95	+1.1%	✓ BEAT
Q3 2023	Jul 20, 2023	$0.88	$0.93	+5.7%	✓ BEAT
Q2 2023	Apr 20, 2023	$0.86	$0.96	+11.6%	✓ BEAT
Q1 2023	Jan 26, 2023	$0.92	$0.97	+5.4%	✓ BEAT
Q4 2022	Oct 20, 2022	$0.85	$0.87	+2.4%	✓ BEAT
Q3 2022	Jul 21, 2022	$0.74	$0.84	+13.5%	✓ BEAT
Q2 2022	Apr 21, 2022	$0.64	$0.76	+18.8%	✓ BEAT
Q1 2022	Jan 19, 2022	$0.76	$0.66	-13.2%	✗ MISS
Q4 2021	Oct 20, 2021	$0.68	$0.81	+19.1%	✓ BEAT
Q3 2021	Jul 21, 2021	$0.53	$0.78	+47.2%	✓ BEAT