OFG Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from OFG Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$34Sales grew 20% in 3 years; of every extra $100 of sales, $34 became extra profit.
Higher than 61% of Financial Services companies in United States.
Asset Productivity Ratio
+20% / +27%In 3 years sales changed by +20% while total assets changed by +27%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 64% of Financial Services companies in United States.
Tangible Net Worth Ratio
88%Of every $100 of net worth, $88 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 61% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
OFG Bancorp owes $0.88 for every $1 it owns. Net profit rose 3% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.8Investors pay $9.8 for every $1 of OFG Bancorp's yearly profit, lower than 81% of Financial Services companies in United States.
P/B ratio
1.54The share price is 1.54 times OFG Bancorp's book value per share, higher than 69% of Financial Services companies in United States.
Market cap
$2.2 BThe total market value of all of OFG Bancorp's shares at today's price (share price × number of shares), larger than 68% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.4 BWhat OFG Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$33.30Net worth divided by the number of shares. The share price of $51.36 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
16.6%OFG Bancorp earned 16.6% on its shareholders' money over the last year, higher than 79% of Financial Services companies in United States.
Owes vs Owns
0.88×OFG Bancorp owes $0.88 for every $1 it owns (high), higher than 68% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.67%OFG Bancorp pays 2.67% of its share price as dividends a year, lower than 54% of dividend-paying Financial Services companies in United States.
Revenue growth
+3%Revenue rose 3% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+3%Net profit rose 3% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit margin
30.2%OFG Bancorp keeps $30 of every $100 of revenue as net profit.
Questions
What is OFG Bancorp's P/E ratio?
Investors pay $9.8 for every $1 of OFG Bancorp's yearly profit, lower than 81% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For OFG Bancorp: $2.2 B ÷ $1.4 B (30 Jun 2026) = 1.5.
What is OFG Bancorp's return on equity?
OFG Bancorp earned 16.6% on its shareholders' money over the last year, higher than 79% of Financial Services companies in United States.
How much does OFG Bancorp owe compared with what it owns?
OFG Bancorp owes $0.88 for every $1 it owns (high), higher than 68% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does OFG Bancorp pay a dividend?
Yes. OFG Bancorp pays 2.67% of its share price as dividends a year, lower than 54% of dividend-paying Financial Services companies in United States.
Is OFG Bancorp's revenue growing?
Revenue rose 3% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.