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ISIN
PR67103X1020
CUSIP
67103X102
IPO Date
Mar 28, 1990

Highlights

EPS (TTM)
$4.49
PE Ratio
10.51
PEG Ratio
0.85
Total Revenue (TTM)
$862.62M
Gross Profit (TTM)
$614.52M
EBITDA (TTM)
$285.15M
Year Range
$35.71 - $48.57
Target Price
$44.00
ROA (TTM)
1.70%
ROE (TTM)
15.01%

Share Price Chart


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Performance

OFG Performance Chart

OFG Bancorp (OFG) is up 16.2% since the beginning of the year. At $47 per share, OFG is trading just below its 52-week high of $49. Investors who bought $1,000 worth of OFG shares 5 years ago would now be looking at an investment worth $2,382.


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S&P 500 Index

Returns By Period

OFG Bancorp (OFG) has returned 16.17% so far this year and 18.48% over the past 12 months. Looking at the last ten years, OFG has achieved an annualized return of 21.66%, outperforming the S&P 500 Index benchmark, which averaged 13.88% per year.


OFG Bancorp

1D
1.14%
1M
4.75%
YTD
16.17%
6M
13.32%
1Y
18.48%
3Y*
26.34%
5Y*
18.96%
10Y*
21.66%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.15%
1Y
24.03%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

OFG Monthly Returns History

Based on dividend-adjusted daily data since Mar 28, 1990, OFG's average daily return is +0.09%, while the average monthly return is +1.89%. At this rate, an investment would double in approximately 3.1 years.

Historically, 53% of months were positive and 47% were negative. The best month was Mar 2009 with a return of +181.1%, while the worst month was Feb 2009 at -65.4%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 7 months.

On a daily basis, OFG closed higher 45% of trading days. The best single day was Mar 10, 2009 with a return of +38.7%, while the worst single day was Apr 28, 2005 at -32.3%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-1.66%-0.55%1.84%13.59%-0.87%3.58%16.17%
20250.92%-0.52%-5.11%-1.67%4.55%4.76%-0.42%5.00%-2.15%-11.11%2.77%3.90%-0.35%
2024-1.89%-1.50%2.35%-1.90%2.91%1.47%21.28%1.25%-1.77%-10.35%12.79%-6.28%15.81%
20232.72%7.45%-17.29%2.53%-5.12%8.43%28.41%-9.94%-0.25%-0.80%13.30%12.33%40.22%
20224.18%1.84%-4.95%-0.23%6.62%-9.86%8.15%-0.98%-6.88%10.94%3.91%-4.16%6.54%
2021-7.34%12.40%17.57%4.73%1.73%-7.89%4.43%3.07%6.42%2.70%-6.95%10.70%45.63%

Benchmark Metrics

OFG Bancorp has an annualized alpha of 13.46%, beta of 0.93, and R2 of 0.14 versus S&P 500 Index. Calculated based on daily prices since March 28, 1990.

  • This stock captured 121.30% of S&P 500 Index gains and 105.06% of its losses - amplifying both gains and losses, but participating more in upside than downside.
  • R2 of 0.14 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
13.46%
Beta
0.93
0.14
Upside Capture
121.30%
Downside Capture
105.06%

Return for Risk

Risk / Return Rank

OFG ranks 62 for risk / return — better than 62% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


OFG Risk / Return Rank: 6262
Overall Rank
OFG Sharpe Ratio Rank: 6565
Sharpe Ratio Rank
OFG Sortino Ratio Rank: 5757
Sortino Ratio Rank
OFG Omega Ratio Rank: 5959
Omega Ratio Rank
OFG Calmar Ratio Rank: 6464
Calmar Ratio Rank
OFG Martin Ratio Rank: 6565
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for OFG Bancorp (OFG) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


OFGBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-1.31

Sortino ratioReturn per unit of downside risk

-1.66

Omega ratioGain probability vs. loss probability

1.15

1.37

-0.21

Calmar ratioReturn relative to maximum drawdown

1.08

2.78

-1.70

Martin ratioReturn relative to average drawdown

2.49

12.44

-9.95

Dividends

Dividend History

OFG Bancorp provided a 2.65% dividend yield over the last twelve months, with an annual payout of $1.25 per share. The company has been increasing its dividends for 9 consecutive years.


1.00%2.00%3.00%4.00%5.00%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.25$1.20$1.00$0.88$0.70$0.40$0.28$0.28$0.25$0.24$0.24$0.36

Dividend yield

2.65%2.93%2.36%2.35%2.54%1.51%1.51%1.19%1.52%2.55%1.83%4.92%

Monthly Dividends

The table displays the monthly dividend distributions for OFG Bancorp. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.35$0.00$0.00$0.00$0.35
2025$0.00$0.00$0.30$0.00$0.00$0.30$0.00$0.00$0.30$0.00$0.00$0.30$1.20
2024$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$1.00
2023$0.00$0.00$0.22$0.00$0.00$0.22$0.00$0.00$0.22$0.00$0.00$0.22$0.88
2022$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.20$0.00$0.00$0.20$0.70
2021$0.00$0.00$0.08$0.00$0.00$0.08$0.00$0.00$0.12$0.00$0.00$0.12$0.40

Dividend Yield & Payout


Dividend Yield

OFG Bancorp has a dividend yield of 2.65%, which is quite average when compared to the overall market.

Payout Ratio

OFG Bancorp has a payout ratio of 25.29%, which is quite average when compared to the overall market. This suggests that OFG Bancorp strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the OFG Bancorp. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the OFG Bancorp was 96.64%, occurring on Mar 5, 2009. Recovery took 2590 trading sessions.

The current OFG Bancorp drawdown is 1.81%.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-96.64%Mar 2009
4y 11mo10y 3mo
15y 2moApr 2004 - Jun 2019
Dot-com crash2000–2002
-67.84%Dec 2000
2y 7mo2y 4mo
4y 11moApr 1998 - Apr 2003
COVID crash2020
-61.25%Mar 2020
8mo 17d1y 13d
1y 9moJul 2019 - Apr 2021
1990 bear market1990
-50.00%Aug 1990
3mo 7d7mo 16d
10mo 23dMay 1990 - Mar 1991
1994 bear market1994
-43.17%Dec 1994
1y 1mo1y 4mo
2y 6moOct 1993 - May 1996

Drawdown Indicators


OFGBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-96.64%

-56.78%

-39.86%

Max Drawdown (1Y)

Largest decline over 1 year

-17.13%

-9.10%

-8.03%

Max Drawdown (3Y)

Largest decline over 3 years

-24.56%

-18.90%

-5.66%

Max Drawdown (5Y)

Largest decline over 5 years

-24.56%

-25.43%

+0.87%

Max Drawdown (10Y)

Largest decline over 10 years

-61.25%

-33.92%

-27.33%

Current Drawdown

Current decline from peak

-1.81%

-1.80%

-0.01%

Average Drawdown

Average peak-to-trough decline

-29.45%

-10.71%

-18.74%

Ulcer Index

Depth and duration of drawdowns from previous peaks

7.43%

2.03%

+5.40%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of OFG Bancorp over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how OFG Bancorp is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for OFG, comparing it with other companies in the Banks - Regional industry. Currently, OFG has a P/E ratio of 10.5. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for OFG compared to other companies in the Banks - Regional industry. OFG currently has a PEG ratio of 0.8. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for OFG relative to other companies in the Banks - Regional industry. Currently, OFG has a P/S ratio of 2.5. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
Portfolio Analyzer

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