OFG

OFG Bancorp

Financial Services · $2.1B market cap

Verdict

Share price

$51.29

close of Oct 3, 2026

Fair value

$104.66

Sticker Price

Payback Price

$41.86

buy price

Undervalued

OFG is Undervalued: at $51.29 it trades 51% below its fair value of $104.66. Its buy price (Payback Price) is $41.86, 18% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.8% a year✓
Equity per share growth3.2% a year✗
Sales growth5.1% a year✗
Free cash flow growth5.5% a year✗
Return on invested capital11.3%✓

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Insider activity

Since Jul 24, 2026: no open-market purchases, 3 sales worth $3.5M and 7 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About OFG Bancorp

OFG Bancorp, a financial holding company, delivers a broad spectrum of banking and financial solutions, structured across three core divisions: Banking, Wealth Management, and Treasury. The company's services include essential deposit products like checking, savings, and time accounts, alongside diverse credit options such as commercial, consumer, automobile, and mortgage loans. Beyond traditional lending and…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works