OFG Bancorp Beheer
Beheer criteriumcontroles 4/4
De CEO OFG Bancorp is Jos Fernández, benoemd in Jan2004, heeft een ambtstermijn van 22.5 jaar. De totale jaarlijkse vergoeding van { bedraagt $ 3.48M, bestaande uit 28.2% salaris en 71.8% bonussen, inclusief aandelen en opties van het bedrijf. bezit rechtstreeks 0.49% van de aandelen van het bedrijf, ter waarde $ 10.14M. De gemiddelde ambtstermijn van het managementteam en de raad van bestuur bedraagt respectievelijk 5.5 jaar en 4.8 jaar.
Belangrijke informatie
Jos Fernández
Algemeen directeur
US$3.5m
Totale compensatie
| Percentage CEO-salaris | 28.22% |
| Dienstverband CEO | 22.5yrs |
| Eigendom CEO | 0.5% |
| Management gemiddelde ambtstermijn | 5.5yrs |
| Gemiddelde ambtstermijn bestuur | 4.8yrs |
Recente managementupdates
Recent updates
Narratiefupdate • Jun 17
OFG: Q1 Outperformance And Stable Assumptions Will Shape Future Share Price
Analysts have raised their price targets on OFG Bancorp stock by about $5 to $6 per share, reflecting updated views that align with an unchanged fair value estimate of $47.75. This estimate is based on consistent discount rate, revenue growth, profit margin, and future P/E assumptions.Seeking Alpha • Jun 03
OFG Bancorp: Further Progress Is Needed To Justify An Upgrade
Summary OFG Bancorp remains rated Hold due to persistent concerns over credit quality and elevated auto loan exposure. Despite attractive valuation metrics—P/E of 9.3 and strong returns on assets and equity—net interest margin has contracted while non-performing assets exceed preferred thresholds. Deposit declines, particularly in core and government-related balances, and a high proportion of uninsured deposits warrant continued caution. OFG's net interest income and profits have grown, but credit quality and auto loan risk must improve before considering an upgrade. Read the full article on Seeking AlphaNarratiefupdate • Jun 02
OFG: Q1 Outperformance And Higher P/E Framework Will Guide Balanced Future Risk
Analysts have lifted OFG Bancorp's average price target by a mid single digit dollar amount, citing updated assumptions for discount rates, revenue growth, profit margins and future P/E, which keep fair value around $47.75 per share. Analyst Commentary Recent Street research on OFG Bancorp centers on refreshed price targets clustered within a mid single digit dollar range of one another, with analysts updating their models for discount rates, revenue expectations, margin assumptions and future P/E multiples.Narratiefupdate • Apr 28
OFG: Capital Returns And Higher P/E Assumptions Will Shape Future Risk Balance
OFG Bancorp's analyst price target has been updated from $44.40 to $47.75. Analysts attribute the change to adjusted assumptions regarding revenue growth, profitability, and future P/E.Narratiefupdate • Apr 12
OFG: Capital Returns And Neutral Ratings Will Shape Future Risk Balance
Analysts have trimmed their price target on OFG Bancorp by $4 to reflect more measured assumptions for revenue growth, along with expectations for stronger profit margins and a slightly lower future P/E. Analyst Commentary Recent Street research on OFG Bancorp points to a more balanced view, with analysts adjusting targets and ratings to match what they see as a more measured growth and valuation profile.Narratiefupdate • Mar 28
OFG: Capital Returns And Neutral Views Will Shape Future Risk Reward Balance
Analysts have trimmed their average price target on OFG Bancorp by $4 to $44.40, citing recent rating moves and more cautious views reflected in the latest research updates. Analyst Commentary Bullish Takeaways Bullish analysts see the updated price targets as still leaving room for upside if OFG Bancorp executes consistently on its current business plan and maintains discipline on costs and credit.Narratiefupdate • Mar 13
OFG: Capital Returns Will Support Upside Despite More Cautious Research Stance
Analysts have trimmed their price target for OFG Bancorp by $4 to $44.40, reflecting a more cautious stance on the shares while keeping underlying fair value assumptions broadly unchanged. Analyst Commentary Recent Street research on OFG Bancorp points to a more cautious tone, with the latest reports focusing on valuation discipline and execution risk rather than a major shift in the underlying story.Narratiefupdate • Feb 27
OFG: Capital Returns And Neutral Ratings Will Shape A Cautious Forward Outlook
Analysts have trimmed their price targets on OFG Bancorp by $4, citing a more cautious stance reflected in recent downgrades and a neutral initiation. They left key model inputs unchanged, including fair value at $44.40, discount rate at 6.98%, revenue growth at 8.34%, profit margin at 21.54%, and future P/E at 11.77.Narratiefupdate • Feb 13
OFG: Dividend And Buyback Actions Will Offset Tempered Outlook And Neutral Ratings
Analysts reduced their price target on OFG Bancorp by $4, citing updated expectations for slightly lower revenue growth, modestly different profitability assumptions, and an adjusted future P/E outlook reflected in recent Neutral and downgrade actions. Analyst Commentary Recent research updates sketch a more balanced picture for OFG Bancorp, with analysts adjusting expectations on revenue growth, profitability, and the future P/E multiple that they see as appropriate for the stock.Analyseartikel • Feb 01
OFG Bancorp (NYSE:OFG) Has Announced That It Will Be Increasing Its Dividend To $0.35
OFG Bancorp ( NYSE:OFG ) will increase its dividend on the 15th of April to $0.35, which is 17% higher than last year's...Narratiefupdate • Jan 30
OFG: Puerto Rico Challenger Position Will Support Dividend And Buyback Upside
Narrative Update Analysts have trimmed their price target for OFG Bancorp from US$47.60 to US$44.40. This reflects updated assumptions around fair value, revenue growth, profit margins, and future P/E expectations highlighted in recent research.Narratiefupdate • Jan 15
OFG: Challenger Position In Puerto Rico Will Offset Credit Cost Concerns
Narrative Update: OFG Bancorp Analysts have trimmed their price targets on OFG Bancorp to a range around $48 to $50, a step down of roughly $2 per share. This reflects more cautious assumptions on fair value, discount rate, growth, margins, and future P/E after recent Q3 results, including higher credit costs, net interest margin pressure from commercial loan repayments, and the impact of retail deposit growth.Analyseartikel • Mar 20
OFG Bancorp's (NYSE:OFG) Shareholders Will Receive A Bigger Dividend Than Last Year
The board of OFG Bancorp ( NYSE:OFG ) has announced that it will be increasing its dividend by 20% on the 15th of April...Seeking Alpha • Feb 08
OFG Bancorp: The Picture Looks Better Than I Previously Thought
Summary OFG Bancorp's asset quality and digital-first strategy have driven a 15.2% share price increase, outperforming the S&P 500's 10.4% gain. Despite mixed valuation metrics, OFG Bancorp's strong return on assets and equity, along with diverse income streams, justify a soft 'buy' rating. Recent improvements include a rise in deposits and securities, increased net income, and significant share buybacks, signaling management's optimism. The company's focus on digital expansion and robust asset management positions it well for future growth, despite some balance sheet concerns. Read the full article on Seeking AlphaSeeking Alpha • Jan 29
OFG Bancorp: Maintaining A Buy Rating With A Flattish Earnings Outlook
Summary The continued improvement of Puerto Rico’s unemployment rate gives me hope that loan growth can improve this year. However, other economic metrics are mixed. As the deposit cost is mostly inflexible, the margin will likely continue to decline this year. I haven’t changed my EPS estimate for 2025, which remains at $4.25. I’m estimating a price upside of 9.2% and a dividend yieldof 2.3%. Read the full article on Seeking Alpha
Nieuw narratief • Oct 20
Digital First Strategy Fuels Efficiency And Growth Amid Market Challenges
The Digital First strategy and new offerings aim to boost operational efficiency and customer growth, enhancing revenue and margins.Seeking Alpha • Oct 15
OFG Bancorp: Upgrading To Buy And Raising The Earnings Estimate
Summary Puerto Rico’s economy continues to remain remarkable, which contributes to my positive outlook on loan growth. Rate cuts will likely also drive loan growth. The net interest margin will likely resume its downtrend due to interest rate cuts. The December 2025 target price suggests an upside of ~8.6% from the October 14 closing price. Further, OFG is offering a dividend yield of 2.25%. Read the full article on Seeking AlphaAnalyseartikel • Oct 14
Do OFG Bancorp's (NYSE:OFG) Earnings Warrant Your Attention?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analyseartikel • Jul 03
Should You Be Adding OFG Bancorp (NYSE:OFG) To Your Watchlist Today?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analyse CEO-vergoeding
| Datum | Totale vergoeding | Salaris | Bedrijfswinsten |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$213m |
| Dec 31 2025 | US$3m | US$982k | US$205m |
| Sep 30 2025 | n/a | n/a | US$200m |
| Jun 30 2025 | n/a | n/a | US$195m |
| Mar 31 2025 | n/a | n/a | US$194m |
| Dec 31 2024 | US$6m | US$982k | US$198m |
| Sep 30 2024 | n/a | n/a | US$194m |
| Jun 30 2024 | n/a | n/a | US$192m |
| Mar 31 2024 | n/a | n/a | US$185m |
| Dec 31 2023 | US$3m | US$935k | US$182m |
| Sep 30 2023 | n/a | n/a | US$182m |
| Jun 30 2023 | n/a | n/a | US$179m |
| Mar 31 2023 | n/a | n/a | US$175m |
| Dec 31 2022 | US$3m | US$935k | US$166m |
| Sep 30 2022 | n/a | n/a | US$153m |
| Jun 30 2022 | n/a | n/a | US$153m |
| Mar 31 2022 | n/a | n/a | US$153m |
| Dec 31 2021 | US$3m | US$935k | US$145m |
| Sep 30 2021 | n/a | n/a | US$133m |
| Jun 30 2021 | n/a | n/a | US$117m |
| Mar 31 2021 | n/a | n/a | US$97m |
| Dec 31 2020 | US$3m | US$865k | US$68m |
Compensatie versus markt: De totale vergoeding ($USD 3.48M ) Jos } ligt onder het gemiddelde voor bedrijven van vergelijkbare omvang in de US markt ($USD 5.14M ).
Compensatie versus inkomsten: De vergoeding van Jos is het afgelopen jaar in lijn geweest met de bedrijfsprestaties.
CEO
Jos Fernández (62 yo)
22.5yrs
Tenure
US$3,479,297
Compensatie
Mr. Jose Rafael Fernandez, also known as Jos, has been the Director of the Federal Home Loan Bank of New York since July 9, 2024. He has been the Chief Executive Officer of OFG Bancorp and Oriental Bank si...
Leiderschapsteam
| Naam | Positie | Tenure | Compensatie | Eigendom |
|---|---|---|---|---|
| President | 22.5yrs | US$3.48m | 0.49% $ 10.1m | |
| Chief Financial Officer | 9.3yrs | US$1.26m | 0.16% $ 3.3m | |
| Managing Director of Customer Intelligence & Operations | no data | US$784.22k | 0.088% $ 1.8m | |
| Chief Retail Banking Officer | 3.2yrs | US$830.50k | 0.033% $ 681.4k | |
| Chief Risk Officer | 3.5yrs | US$775.42k | 0.0065% $ 135.5k | |
| Vice President Financial Reporting & Accounting Control | no data | geen gegevens | geen gegevens | |
| IR Contact | no data | geen gegevens | geen gegevens | |
| General Counsel | 5.5yrs | geen gegevens | 0.039% $ 816.1k | |
| Managing Director of Marketing & Public Relations | no data | geen gegevens | geen gegevens | |
| Managing Director of Human Resources | no data | geen gegevens | geen gegevens | |
| Senior VP & Director of the U.S. Loan Program | no data | US$425.36k | geen gegevens | |
| Executive Vice President of Auto | no data | geen gegevens | geen gegevens |
5.5yrs
Gemiddelde duur
58yo
Gemiddelde leeftijd
Ervaren management: Het managementteam van OFG is doorgewinterd en ervaren (gemiddelde ambtstermijn van 5.5 jaar).
Bestuursleden
| Naam | Positie | Tenure | Compensatie | Eigendom |
|---|---|---|---|---|
| President | 21.5yrs | US$3.48m | 0.49% $ 10.1m | |
| Independent Director | 4yrs | US$128.63k | 0.011% $ 237.1k | |
| Independent Director | 7yrs | US$127.63k | 0.020% $ 419.0k | |
| Independent Director | 1.8yrs | US$81.34k | 0.00064% $ 13.4k | |
| Independent Director | 12.2yrs | US$128.63k | 0.068% $ 1.4m | |
| Lead Independent Director | 10.5yrs | US$190.29k | 0.057% $ 1.2m | |
| Independent Director | 3.3yrs | US$134.63k | 0.0053% $ 111.2k | |
| Independent Director | 4.8yrs | US$137.88k | 0.028% $ 586.5k | |
| Independent Director | 1.8yrs | US$79.67k | 0.00064% $ 13.4k |
4.8yrs
Gemiddelde duur
62yo
Gemiddelde leeftijd
Ervaren bestuur: De raad van bestuur van OFG wordt beschouwd als ervaren (gemiddelde ambtstermijn 4.8 jaar).
Bedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/07/06 18:55 |
| Aandelenkoers aan het einde van de dag | 2026/07/02 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
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| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
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* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
OFG Bancorp wordt gevolgd door 10 analisten. 4 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Joseph Gladue | B. Riley Securities, Inc. |
| Taylor Brodarick | Guggenheim Securities, LLC |
| Kenneth Usdin | Jefferies LLC |