OFG Bancorp Förvaltning
Förvaltning kriterier kontrolleras 4/4
OFG Bancorp VD är Jos Fernández, utsedd i Jan 2004, har en mandatperiod på 22.5 år. totala årliga ersättningen är $ 3.48M, bestående av 28.2% lön 71.8% bonusar, inklusive företagsaktier och optioner. äger direkt 0.36% av företagets aktier, värda $ 8.01M. Den genomsnittliga mandatperioden för ledningsgruppen och styrelsen är 5.5 år respektive 4.8 år.
Viktig information
Jos Fernández
Verkställande direktör
US$3.5m
Total ersättning
| VD-lön i procent | 28.22% |
| Anställning som VD | 22.5yrs |
| Ägande av VD | 0.4% |
| Ledningens genomsnittliga anställningstid | 5.5yrs |
| Styrelsens genomsnittliga mandatperiod | 4.8yrs |
Senaste uppdateringar av ledningen
Recent updates
Uppdatering av berättelse • Jul 26
OFG: Net Interest Margin Guidance And Credit Trends Will Shape Future Returns
OFG Bancorp's analyst fair value estimate has been raised from $51 to $55, according to analysts who cite recent price target increases supported by stronger net interest margin guidance, benign credit trends, and solid balance sheet growth expectations. Analyst Commentary Recent research on OFG Bancorp highlights a mix of optimism about earnings power and net interest income, alongside some caution about risk exposures and the growth outlook.Seeking Alpha • Jul 21
OFG Bancorp: Solid Margins, Big Premium
Summary OFG Bancorp delivered a Q2 earnings and revenue beat, supported by robust net interest margins and disciplined expense management. OFG trades at a substantial premium to tangible book value ($52 vs. $31.12), justifying a Hold rating despite strong operational performance. Loan and deposit growth remained modest but positive, with net interest margin expanding to an impressive 5.45%. OFG asset quality improved as nonperforming loans fell, though net charge-offs rose; return metrics and efficiency ratios remain strong, reinforcing a wait-for-pullback stance. Read the full article on Seeking AlphaUppdatering av berättelse • Jul 12
OFG: C&I Loan Execution And Margin Pressures Will Shape Future Share Price
The analyst fair value estimate for OFG Bancorp has shifted from $47.75 to $51.00, with analysts broadly citing higher price targets across the Street and support from expectations regarding continued bank outperformance and C&I loan growth. Analyst Commentary Recent Street research on OFG Bancorp points to a tighter consensus around the stock's valuation, with several bullish analysts lifting price targets ahead of upcoming results and citing expectations for continued bank outperformance and support from C&I loan growth.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Analysartikel • 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...Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Analysartikel • 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
Ny berättelse • 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 AlphaAnalysartikel • 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...Analysartikel • 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...Analys av ersättningar till VD
| Datum | Total ersättning | Lön | Företagets resultat |
|---|---|---|---|
| Jun 30 2026 | n/a | n/a | US$220m |
| 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$68m |
Ersättning vs marknad: Jos s total kompensation ($USD 3.48M ) är under genomsnittet för företag av liknande storlek på US marknaden ($USD 5.16M ).
Ersättning vs inkomst: Ersättningen från Jos har varit i linje med företagets resultat under det senaste året.
VD OCH KONCERNCHEF
Jos Fernández (62 yo)
22.5yrs
Anställning
US$3,479,297
Kompensation
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...
Ledningsgrupp
| Namn | Position | Anställning | Kompensation | Ägarskap |
|---|---|---|---|---|
| President | 22.5yrs | US$3.48m | 0.36% $ 8.0m | |
| Chief Financial Officer | 9.3yrs | US$1.26m | 0.16% $ 3.5m | |
| Managing Director of Customer Intelligence & Operations | no data | US$784.22k | 0.088% $ 2.0m | |
| Chief Retail Banking Officer | 3.2yrs | US$830.50k | 0.033% $ 722.8k | |
| Chief Risk Officer | 3.5yrs | US$775.42k | 0.0065% $ 143.8k | |
| Vice President Financial Reporting & Accounting Control | no data | inga uppgifter | inga uppgifter | |
| IR Contact | no data | inga uppgifter | inga uppgifter | |
| General Counsel | 5.5yrs | inga uppgifter | 0.039% $ 865.9k | |
| Managing Director of Marketing & Public Relations | no data | inga uppgifter | inga uppgifter | |
| Managing Director of Human Resources | no data | inga uppgifter | inga uppgifter | |
| Senior VP & Director of the U.S. Loan Program | no data | US$425.36k | inga uppgifter | |
| Executive Vice President of Auto | no data | inga uppgifter | inga uppgifter |
5.5yrs
Genomsnittlig anställningstid
58yo
Genomsnittlig ålder
Erfaren ledning: OFG s ledningsgrupp är erfaren och erfaren ( 5.5 års genomsnittlig anställning).
Styrelseledamöter
| Namn | Position | Anställning | Kompensation | Ägarskap |
|---|---|---|---|---|
| President | 21.5yrs | US$3.48m | 0.36% $ 8.0m | |
| Independent Director | 4yrs | US$128.63k | 0.011% $ 251.4k | |
| Independent Director | 7yrs | US$127.63k | 0.020% $ 444.6k | |
| Independent Director | 1.8yrs | US$81.34k | 0.00064% $ 14.2k | |
| Independent Director | 12.2yrs | US$128.63k | 0.068% $ 1.5m | |
| Lead Independent Director | 10.5yrs | US$190.29k | 0.057% $ 1.3m | |
| Independent Director | 3.3yrs | US$134.63k | 0.0053% $ 118.0k | |
| Independent Director | 4.8yrs | US$137.88k | 0.028% $ 622.3k | |
| Independent Director | 1.8yrs | US$79.67k | 0.00064% $ 14.2k |
4.8yrs
Genomsnittlig anställningstid
62yo
Genomsnittlig ålder
Erfaren styrelse: OFG s styrelse anses vara erfaren ( 4.8 års genomsnittlig mandatperiod).
Företagsanalys och finansiella data Status
| Uppgifter | Senast uppdaterad (UTC-tid) |
|---|---|
| Analys av företag | 2026/07/31 21:25 |
| Aktiekurs vid dagens slut | 2026/07/31 00:00 |
| Intäkter | 2026/06/30 |
| Årlig intjäning | 2025/12/31 |
Datakällor
Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.
| Paket | Uppgifter | Tidsram | Exempel US-källa |
|---|---|---|---|
| Företagets finansiella ställning | 10 år |
| |
| Analytikernas konsensusuppskattningar | +3 år |
|
|
| Marknadspriser | 30 år |
| |
| Ägarskap | 10 år |
| |
| Förvaltning | 10 år |
| |
| Viktiga utvecklingstendenser | 10 år |
|
* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.
Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.
Analysmodell och snöflinga
Detaljer om analysmodellen som används för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och handledningar på Youtube.
Lär dig mer om det team i världsklass som utformade och byggde analysmodellen Simply Wall St.
Industri- och sektormått
Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.
Källor för analytiker
OFG Bancorp bevakas av 11 analytiker. 5 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.
| Analytiker | Institution |
|---|---|
| Brett Rabatin | Benchmark Company |
| Joseph Gladue | B. Riley Securities, Inc. |
| Taylor Brodarick | Guggenheim Securities, LLC |