OFG Bancorp Net Income
| OFG Stock | USD 42.19 0.28 0.67% |
As of the 18th of February 2026, OFG Bancorp holds the risk adjusted performance of 0.046, and Semi Deviation of 1.77. In respect to fundamental indicators, the technical analysis model allows you to check helpful technical drivers of OFG Bancorp, as well as the relationship between them. Please check OFG Bancorp information ratio, as well as the relationship between the value at risk and expected short fall to decide if OFG Bancorp is priced fairly, providing market reflects its current price of 42.19 per share. Given that OFG Bancorp has jensen alpha of 0.0659, we recommend you to check out OFG Bancorp's recent market performance to make sure the company can sustain itself in the future.
OFG Bancorp Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.1344 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 205.1 M | 215.4 M | |
| Net Income Applicable To Common Shares | 227.9 M | 239.3 M | |
| Net Income From Continuing Ops | 227.9 M | 239.3 M | |
| Net Income Per Share | 4.40 | 4.62 | |
| Net Income Per E B T | 0.88 | 0.97 |
OFG | Net Income | Build AI portfolio with OFG Stock |
The Net Income trend for OFG Bancorp offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether OFG Bancorp is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest OFG Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of OFG Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in OFG Bancorp financial statement analysis. It represents the amount of money remaining after all of OFG Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is OFG Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in OFG Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 205.1 M | 10 Years Trend |
|
Net Income |
| Timeline |
OFG Net Income Regression Statistics
| Arithmetic Mean | 98,807,835 | |
| Coefficient Of Variation | 73.50 | |
| Mean Deviation | 61,182,140 | |
| Median | 84,410,000 | |
| Standard Deviation | 72,625,944 | |
| Sample Variance | 5274.5T | |
| Range | 217.9M | |
| R-Value | 0.88 | |
| Mean Square Error | 1276.3T | |
| R-Squared | 0.77 | |
| Slope | 12,645,945 | |
| Total Sum of Squares | 84392.4T |
OFG Net Income History
Other Fundumenentals of OFG Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
OFG Bancorp Net Income component correlations
OFG Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for OFG Bancorp is extremely important. It helps to project a fair market value of OFG Stock properly, considering its historical fundamentals such as Net Income. Since OFG Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of OFG Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of OFG Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does OFG have expansion opportunities? Factors like these will boost the valuation of OFG Bancorp. Anticipated expansion of OFG directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating OFG Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.164 | Dividend Share 1.2 | Earnings Share 4.58 | Revenue Per Share | Return On Assets |
Investors evaluate OFG Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating OFG Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause OFG Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between OFG Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding OFG Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, OFG Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
OFG Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to OFG Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of OFG Bancorp.
| 11/20/2025 |
| 02/18/2026 |
If you would invest 0.00 in OFG Bancorp on November 20, 2025 and sell it all today you would earn a total of 0.00 from holding OFG Bancorp or generate 0.0% return on investment in OFG Bancorp over 90 days. OFG Bancorp, a financial holding company, provides a range of banking and financial services More
OFG Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure OFG Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess OFG Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.94 | |||
| Information Ratio | 0.0211 | |||
| Maximum Drawdown | 12.38 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 2.23 |
OFG Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for OFG Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as OFG Bancorp's standard deviation. In reality, there are many statistical measures that can use OFG Bancorp historical prices to predict the future OFG Bancorp's volatility.| Risk Adjusted Performance | 0.046 | |||
| Jensen Alpha | 0.0659 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0194 | |||
| Treynor Ratio | 0.2367 |
OFG Bancorp February 18, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.046 | |||
| Market Risk Adjusted Performance | 0.2467 | |||
| Mean Deviation | 1.09 | |||
| Semi Deviation | 1.77 | |||
| Downside Deviation | 1.94 | |||
| Coefficient Of Variation | 1963.81 | |||
| Standard Deviation | 1.78 | |||
| Variance | 3.17 | |||
| Information Ratio | 0.0211 | |||
| Jensen Alpha | 0.0659 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0194 | |||
| Treynor Ratio | 0.2367 | |||
| Maximum Drawdown | 12.38 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 2.23 | |||
| Downside Variance | 3.75 | |||
| Semi Variance | 3.14 | |||
| Expected Short fall | (1.21) | |||
| Skewness | (1.42) | |||
| Kurtosis | 8.81 |
OFG Bancorp Backtested Returns
At this point, OFG Bancorp is very steady. OFG Bancorp maintains Sharpe Ratio (i.e., Efficiency) of 0.0819, which implies the firm had a 0.0819 % return per unit of volatility over the last 3 months. We have found twenty-eight technical indicators for OFG Bancorp, which you can use to evaluate the volatility of the company. Please check OFG Bancorp's semi deviation of 1.77, and Risk Adjusted Performance of 0.046 to confirm if the risk estimate we provide is consistent with the expected return of 0.15%. OFG Bancorp has a performance score of 6 on a scale of 0 to 100. The company holds a Beta of 0.34, which implies possible diversification benefits within a given portfolio. As returns on the market increase, OFG Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding OFG Bancorp is expected to be smaller as well. OFG Bancorp now holds a risk of 1.82%. Please check OFG Bancorp total risk alpha, expected short fall, price action indicator, as well as the relationship between the value at risk and daily balance of power , to decide if OFG Bancorp will be following its historical price patterns.
Auto-correlation | -0.37 |
Poor reverse predictability
OFG Bancorp has poor reverse predictability. Overlapping area represents the amount of predictability between OFG Bancorp time series from 20th of November 2025 to 4th of January 2026 and 4th of January 2026 to 18th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of OFG Bancorp price movement. The serial correlation of -0.37 indicates that just about 37.0% of current OFG Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.37 | |
| Spearman Rank Test | -0.26 | |
| Residual Average | 0.0 | |
| Price Variance | 2.21 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
OFG Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, OFG Bancorp reported net income of 205.1 M. This is 83.94% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 64.08% higher than that of the company.
OFG Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses OFG Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of OFG Bancorp could also be used in its relative valuation, which is a method of valuing OFG Bancorp by comparing valuation metrics of similar companies.OFG Bancorp is currently under evaluation in net income category among its peers.
OFG Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, OFG Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to OFG Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
OFG Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in OFG Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of OFG Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing OFG Bancorp's value.| Shares | Hhg Plc | 2025-06-30 | 768.7 K | Millennium Management Llc | 2025-06-30 | 739.3 K | Northern Trust Corp | 2025-06-30 | 596.1 K | Jpmorgan Chase & Co | 2025-06-30 | 580.5 K | Qube Research & Technologies | 2025-06-30 | 554.2 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 513.4 K | Jacobs Levy Equity Management, Inc. | 2025-06-30 | 467 K | Bank Of New York Mellon Corp | 2025-06-30 | 431 K | Empowered Funds, Llc | 2025-06-30 | 421.7 K | Blackrock Inc | 2025-06-30 | 6.4 M | Vanguard Group Inc | 2025-06-30 | 5.7 M |
OFG Fundamentals
| Return On Equity | 0.16 | ||||
| Return On Asset | 0.0171 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | 1.37 B | ||||
| Shares Outstanding | 43.26 M | ||||
| Shares Owned By Insiders | 1.37 % | ||||
| Shares Owned By Institutions | 97.55 % | ||||
| Number Of Shares Shorted | 752.06 K | ||||
| Price To Earning | 15.28 X | ||||
| Price To Book | 1.30 X | ||||
| Price To Sales | 2.97 X | ||||
| Revenue | 862.62 M | ||||
| Gross Profit | 623.93 M | ||||
| EBITDA | 285.15 M | ||||
| Net Income | 205.1 M | ||||
| Cash And Equivalents | 815.44 M | ||||
| Cash Per Share | 17.15 X | ||||
| Total Debt | 580.46 M | ||||
| Debt To Equity | 6.91 % | ||||
| Book Value Per Share | 32.13 X | ||||
| Cash Flow From Operations | 252.5 M | ||||
| Short Ratio | 2.42 X | ||||
| Earnings Per Share | 4.58 X | ||||
| Price To Earnings To Growth | 0.93 X | ||||
| Target Price | 44.4 | ||||
| Number Of Employees | 2.19 K | ||||
| Beta | 0.75 | ||||
| Market Capitalization | 1.85 B | ||||
| Total Asset | 12.47 B | ||||
| Retained Earnings | 904.63 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 1.67 % | ||||
| Net Asset | 12.47 B | ||||
| Last Dividend Paid | 1.2 |
About OFG Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze OFG Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of OFG Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of OFG Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Currently Active Assets on Macroaxis
| FSLY | Fastly Class A | |
| MOB | Mobilicom Limited American | |
| CMG | Chipotle Mexican Grill | |
| CSAN | Cosan SA ADR | |
| RKT | Rocket Companies |
Check out For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
Can Regional Banks industry sustain growth momentum? Does OFG have expansion opportunities? Factors like these will boost the valuation of OFG Bancorp. Anticipated expansion of OFG directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating OFG Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.164 | Dividend Share 1.2 | Earnings Share 4.58 | Revenue Per Share | Return On Assets |
Investors evaluate OFG Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating OFG Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause OFG Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between OFG Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding OFG Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, OFG Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.