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OFG Bancorp (OFG)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

PR67103X1020

CUSIP

67103X102

IPO Date

Mar 28, 1990

Highlights

Market Cap

$1.71B

EPS (TTM)

$4.18

PE Ratio

9.09

PEG Ratio

0.93

Total Revenue (TTM)

$553.56M

Gross Profit (TTM)

$657.27M

EBITDA (TTM)

$68.60M

Year Range

$33.15 - $47.03

Target Price

$45.50

Short %

3.71%

Short Ratio

2.15

Share Price Chart


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Compare to other instruments

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Popular comparisons:
OFG vs. BPOP OFG vs. SPY
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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in OFG Bancorp, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


2,000.00%4,000.00%6,000.00%8,000.00%10,000.00%12,000.00%14,000.00%NovemberDecember2025FebruaryMarchApril
11,158.89%
1,521.29%
OFG (OFG Bancorp)
Benchmark (^GSPC)

Returns By Period

OFG Bancorp had a return of -9.51% year-to-date (YTD) and 6.97% in the last 12 months. Over the past 10 years, OFG Bancorp had an annualized return of 12.64%, outperforming the S&P 500 benchmark which had an annualized return of 10.11%.


OFG

YTD

-9.51%

1M

-6.76%

6M

-1.15%

1Y

6.97%

5Y*

29.66%

10Y*

12.64%

^GSPC (Benchmark)

YTD

-6.06%

1M

-3.27%

6M

-4.87%

1Y

9.44%

5Y*

14.30%

10Y*

10.11%

*Annualized

Monthly Returns

The table below presents the monthly returns of OFG, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20250.92%-0.52%-5.11%-5.02%-9.51%
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%
2020-16.52%-15.07%-32.81%12.52%-3.42%10.68%-2.17%-1.84%-2.42%15.49%16.40%11.12%-19.79%
201917.74%6.76%-4.00%1.97%-6.94%27.00%-4.80%-9.32%7.07%-7.26%5.61%10.40%45.34%
201821.28%-5.70%-2.24%29.19%4.44%0.07%18.50%-2.70%0.06%5.82%6.38%-9.06%78.29%
20171.14%-2.64%-8.03%-0.85%-20.09%7.61%0.50%-13.43%5.89%-2.73%10.11%-3.44%-26.43%
2016-23.22%3.56%21.14%26.32%3.51%-8.47%27.83%2.83%-6.77%5.34%26.76%-2.53%83.84%
2015-3.30%8.39%-5.92%-13.66%-6.74%-18.21%-24.46%7.20%2.16%5.50%-9.23%-11.77%-54.61%
2014-15.92%9.74%7.93%-0.76%5.86%2.38%-13.31%-0.38%-5.29%3.94%-4.05%12.12%-2.02%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of OFG is 60, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of OFG is 6060
Overall Rank
The Sharpe Ratio Rank of OFG is 6262
Sharpe Ratio Rank
The Sortino Ratio Rank of OFG is 5454
Sortino Ratio Rank
The Omega Ratio Rank of OFG is 5454
Omega Ratio Rank
The Calmar Ratio Rank of OFG is 6767
Calmar Ratio Rank
The Martin Ratio Rank of OFG is 6363
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for OFG Bancorp (OFG) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The chart of Sharpe ratio for OFG, currently valued at 0.24, compared to the broader market-2.00-1.000.001.002.003.00
OFG: 0.24
^GSPC: 0.46
The chart of Sortino ratio for OFG, currently valued at 0.57, compared to the broader market-6.00-4.00-2.000.002.004.00
OFG: 0.57
^GSPC: 0.77
The chart of Omega ratio for OFG, currently valued at 1.08, compared to the broader market0.501.001.502.00
OFG: 1.08
^GSPC: 1.11
The chart of Calmar ratio for OFG, currently valued at 0.31, compared to the broader market0.001.002.003.004.005.00
OFG: 0.31
^GSPC: 0.47
The chart of Martin ratio for OFG, currently valued at 0.81, compared to the broader market-5.000.005.0010.0015.0020.00
OFG: 0.81
^GSPC: 1.94

The current OFG Bancorp Sharpe ratio is 0.24. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of OFG Bancorp with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.00NovemberDecember2025FebruaryMarchApril
0.24
0.46
OFG (OFG Bancorp)
Benchmark (^GSPC)

Dividends

Dividend History

OFG Bancorp provided a 2.76% dividend yield over the last twelve months, with an annual payout of $1.05 per share. The company has been increasing its dividends for 8 consecutive years.


1.00%2.00%3.00%4.00%5.00%$0.00$0.20$0.40$0.60$0.80$1.0020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.05$1.00$0.88$0.70$0.40$0.28$0.28$0.25$0.24$0.24$0.36$0.34

Dividend yield

2.76%2.36%2.35%2.54%1.51%1.51%1.19%1.52%2.55%1.83%4.92%2.04%

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
2025$0.00$0.00$0.30$0.00$0.30
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
2020$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.28
2019$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.28
2018$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.07$0.25
2017$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.24
2016$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.24
2015$0.00$0.00$0.10$0.00$0.00$0.10$0.00$0.00$0.10$0.00$0.00$0.06$0.36
2014$0.08$0.00$0.00$0.08$0.00$0.00$0.08$0.00$0.00$0.10$0.34

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%20.0%25.0%
OFG: 2.8%
OFG Bancorp has a dividend yield of 2.76%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%1,200.0%
OFG: 20.1%
OFG Bancorp has a payout ratio of 20.11%, which is below the market average. This means OFG Bancorp returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

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.


-25.00%-20.00%-15.00%-10.00%-5.00%0.00%NovemberDecember2025FebruaryMarchApril
-17.55%
-10.07%
OFG (OFG Bancorp)
Benchmark (^GSPC)

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 96.31%, occurring on Mar 5, 2009. Recovery took 2503 trading sessions.

The current OFG Bancorp drawdown is 17.55%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-96.31%Apr 2, 20041239Mar 5, 20092503Feb 13, 20193742
-65.97%Apr 24, 1998656Nov 27, 2000583Mar 28, 20031239
-61.25%Jul 10, 2019178Mar 23, 2020260Apr 5, 2021438
-50.01%Apr 12, 199046Aug 13, 199071Apr 29, 1991117
-42.26%Oct 18, 1993273Dec 13, 1994169Aug 30, 1995442

Volatility

Volatility Chart

The current OFG Bancorp volatility is 14.12%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


0.00%5.00%10.00%15.00%NovemberDecember2025FebruaryMarchApril
14.12%
14.23%
OFG (OFG Bancorp)
Benchmark (^GSPC)

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
20.040.060.080.0100.0
OFG: 9.1
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 9.1. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
2.04.06.08.010.0
OFG: 0.9
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 0.9. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
2.04.06.08.0
OFG: 2.7
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 2.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
0.51.01.52.02.53.0
OFG: 1.3
The chart illustrates the Price-to-Book (P/B) ratio for OFG in comparison with other companies in the Banks - Regional industry. Currently, OFG has a P/B value of 1.3. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

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