OFG Bancorp Common Stock (OFG)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach banks differently from industrials. OFG Bancorp is a $2.1B market-cap regional bank, and at the 2026-10-13 close of $50.86 it trades at a FairStock P/E of 10.03 and price-to-book of 1.53. That is not a cigar butt, but it is not demanding either if returns persist. The bank has earned a FairStock ROE of 16.08%, and profits have marched upward: net income was $181.9M in FY2023, $198.2M in FY2024, and $205.1M in FY2025. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $58.8M and diluted EPS was $1.39, up from $51.8M and $1.15 in fiscal Q2 2025. The Lynch category is STALWART, based on 22.5% yearly profit growth over five years, and the PEG is 0.74. A 2.65% dividend and beta of 0.74 add appeal. However, a Piotroski F-Score of 4/9 suggests only middling financial strength in that calculation, and the filed figures give no revenue line. More important for a bank, CET1 capital, net interest margin, nonperforming loans and reserve coverage are not in the data, so I cannot fully judge credit or leverage risk. The stock is near its 52-week high of $54.47, so the margin of safety is modest. At this price, I would want evidence that 16% ROE and low credit costs are durable, not just a favorable point in the cycle.

In plain English: OFG Bancorp is a regional bank that offers checking, savings, loans and wealth services in the United States. The business looks fairly strong: profits have grown steadily and it makes a good return on shareholders' money. At the recent price, the stock looks reasonably priced compared with its profits and net assets, though not obviously a bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer