Ofg Bancorp Stock Net Income
| OFG Stock | USD 37.90 0.75 2.02% |
As of the 27th of January, OFG Bancorp holds the coefficient of variation of (1,034), and Risk Adjusted Performance of (0.07). 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 standard deviation, maximum drawdown, as well as the relationship between the Maximum Drawdown and kurtosis to decide if OFG Bancorp is priced fairly, providing market reflects its current price of 37.9 per share. Given that OFG Bancorp has information ratio of (0.14), 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 |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 2.8529 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 227.9 M | 239.3 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 |
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 198.17 M | 10 Years Trend |
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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
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OFG Bancorp. If investors know OFG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OFG Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.164 | Dividend Share 1.2 | Earnings Share 4.58 | Revenue Per Share | Return On Assets |
The market value of OFG Bancorp is measured differently than its book value, which is the value of OFG that is recorded on the company's balance sheet. Investors also form their own opinion of OFG Bancorp's value that differs from its market value or its book value, called intrinsic value, which is OFG Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OFG Bancorp's market value can be influenced by many factors that don't directly affect OFG Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between OFG Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if OFG Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OFG Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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.
| 10/29/2025 |
| 01/27/2026 |
If you would invest 0.00 in OFG Bancorp on October 29, 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 is related to or competes with City Holding, Northwest Bancshares, Nicolet Bankshares, First Commonwealth, Enterprise Financial, Foreign Trade, and Pinnacle Financial. 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.
| Information Ratio | (0.14) | |||
| Maximum Drawdown | 12.38 | |||
| Value At Risk | (2.99) | |||
| Potential Upside | 1.61 |
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 | (0.07) | |||
| Jensen Alpha | (0.21) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (0.55) |
OFG Bancorp January 27, 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 | (0.07) | |||
| Market Risk Adjusted Performance | (0.54) | |||
| Mean Deviation | 1.13 | |||
| Coefficient Of Variation | (1,034) | |||
| Standard Deviation | 1.81 | |||
| Variance | 3.27 | |||
| Information Ratio | (0.14) | |||
| Jensen Alpha | (0.21) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (0.55) | |||
| Maximum Drawdown | 12.38 | |||
| Value At Risk | (2.99) | |||
| Potential Upside | 1.61 | |||
| Skewness | (2.00) | |||
| Kurtosis | 7.78 |
OFG Bancorp Backtested Returns
At this point, OFG Bancorp is very steady. OFG Bancorp maintains Sharpe Ratio (i.e., Efficiency) of close to zero, which implies the firm had a close to zero % return per unit of volatility over the last 3 months. We have found twenty-three technical indicators for OFG Bancorp, which you can use to evaluate the volatility of the company. Please check OFG Bancorp's coefficient of variation of (1,034), and Risk Adjusted Performance of (0.07) to confirm if the risk estimate we provide is consistent with the expected return of 0.002%. 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 1.69%. Please check OFG Bancorp kurtosis, and the relationship between the maximum drawdown and day median price , to decide if OFG Bancorp will be following its historical price patterns.
Auto-correlation | -0.46 |
Modest reverse predictability
OFG Bancorp has modest reverse predictability. Overlapping area represents the amount of predictability between OFG Bancorp time series from 29th of October 2025 to 13th of December 2025 and 13th of December 2025 to 27th of January 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 -0.46 indicates that about 46.0% of current OFG Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.46 | |
| Spearman Rank Test | -0.61 | |
| Residual Average | 0.0 | |
| Price Variance | 1.81 |
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 |
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Based on the recorded statements, OFG Bancorp reported net income of 198.17 M. This is 84.49% 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 65.29% 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 purchase 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 | 1.15 B | |||
| Shares Outstanding | 43.26 M | |||
| Shares Owned By Insiders | 1.36 % | |||
| Shares Owned By Institutions | 99.01 % | |||
| Number Of Shares Shorted | 993.71 K | |||
| Price To Earning | 15.28 X | |||
| Price To Book | 1.16 X | |||
| Price To Sales | 2.62 X | |||
| Revenue | 862.62 M | |||
| Gross Profit | 623.93 M | |||
| EBITDA | 285.15 M | |||
| Net Income | 198.17 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 | 4.05 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 | 0.78 | |||
| Market Capitalization | 1.63 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.
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When determining whether OFG Bancorp is a strong investment it is important to analyze OFG Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact OFG Bancorp's future performance. For an informed investment choice regarding OFG Stock, refer to the following important reports:Check out OFG Bancorp Piotroski F Score and OFG Bancorp Altman Z Score analysis. 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 Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OFG Bancorp. If investors know OFG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OFG Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.164 | Dividend Share 1.2 | Earnings Share 4.58 | Revenue Per Share | Return On Assets |
The market value of OFG Bancorp is measured differently than its book value, which is the value of OFG that is recorded on the company's balance sheet. Investors also form their own opinion of OFG Bancorp's value that differs from its market value or its book value, called intrinsic value, which is OFG Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OFG Bancorp's market value can be influenced by many factors that don't directly affect OFG Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between OFG Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if OFG Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OFG Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.