OFG Bancorp Geçmiş Kazanç Performansı
Geçmiş kriter kontrolleri 3/6
OFG Bancorp yıllık ortalama 10.8% oranında kazançlarını artırırken, Banks sektöründe kazançlar growing at 3.2% annual. Gelirler growing yılda ortalama 4.8% oranında artmaktadır. OFG Bancorp'in özkaynak karlılığı 15.6% ve net marjı 33.6%'dir.
Anahtar bilgiler
10.79%
Kazanç büyüme oranı
13.50%
EPS büyüme oranı
| Banks Sektör Büyümesi | 11.18% |
| Gelir büyüme oranı | 4.76% |
| Özkaynak getirisi | 15.62% |
| Net Marj | 33.64% |
| Son Kazanç Güncellemesi | 31 Mar 2026 |
Yakın geçmiş performans güncellemeleri
Recent updates
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 Alpha
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Analiz Makalesi • 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...Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Analiz Makalesi • 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
Yeni Anlatı • 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 AlphaAnaliz Makalesi • 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...Analiz Makalesi • 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...Analiz Makalesi • Mar 01
OFG Bancorp (NYSE:OFG) Is Increasing Its Dividend To $0.25
OFG Bancorp ( NYSE:OFG ) will increase its dividend from last year's comparable payment on the 15th of April to $0.25...Gelir ve Gider Dağılımı
Gelir ve Gider Dağılımı
OFG Bancorp nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.
Kazanç ve Gelir Geçmişi
| Tarih | Gelir | Kazançlar | G+A Giderleri | Ar-Ge Giderleri |
|---|---|---|---|---|
| 31 Mar 26 | 635 | 213 | 296 | 0 |
| 31 Dec 25 | 624 | 205 | 294 | 0 |
| 30 Sep 25 | 624 | 200 | 289 | 0 |
| 30 Jun 25 | 619 | 195 | 287 | 0 |
| 31 Mar 25 | 623 | 194 | 287 | 0 |
| 31 Dec 24 | 629 | 198 | 285 | 0 |
| 30 Sep 24 | 639 | 194 | 281 | 0 |
| 30 Jun 24 | 642 | 192 | 279 | 0 |
| 31 Mar 24 | 633 | 185 | 279 | 0 |
| 31 Dec 23 | 629 | 182 | 279 | 0 |
| 30 Sep 23 | 626 | 182 | 274 | 0 |
| 30 Jun 23 | 620 | 179 | 269 | 0 |
| 31 Mar 23 | 610 | 175 | 265 | 0 |
| 31 Dec 22 | 590 | 166 | 257 | 0 |
| 30 Sep 22 | 566 | 153 | 250 | 0 |
| 30 Jun 22 | 557 | 153 | 245 | 0 |
| 31 Mar 22 | 555 | 153 | 242 | 0 |
| 31 Dec 21 | 542 | 145 | 239 | 0 |
| 30 Sep 21 | 524 | 133 | 234 | 0 |
| 30 Jun 21 | 498 | 117 | 232 | 0 |
| 31 Mar 21 | 466 | 97 | 228 | 0 |
| 31 Dec 20 | 433 | 68 | 233 | 0 |
| 30 Sep 20 | 389 | 44 | 217 | 0 |
| 30 Jun 20 | 335 | 23 | 197 | 0 |
| 31 Mar 20 | 310 | 26 | 176 | 0 |
| 31 Dec 19 | 308 | 47 | 149 | 0 |
| 30 Sep 19 | 323 | 73 | 145 | 0 |
| 30 Jun 19 | 350 | 87 | 143 | 0 |
| 31 Mar 19 | 345 | 81 | 142 | 0 |
| 31 Dec 18 | 340 | 72 | 142 | 0 |
| 30 Sep 18 | 317 | 63 | 143 | 0 |
| 30 Jun 18 | 312 | 43 | 144 | 0 |
| 31 Mar 18 | 305 | 41 | 145 | 0 |
| 31 Dec 17 | 302 | 39 | 145 | 0 |
| 30 Sep 17 | 309 | 37 | 144 | 0 |
| 30 Jun 17 | 301 | 49 | 142 | 0 |
| 31 Mar 17 | 301 | 46 | 139 | 0 |
| 31 Dec 16 | 313 | 45 | 139 | 0 |
| 30 Sep 16 | 272 | 29 | 140 | 0 |
| 30 Jun 16 | 273 | 18 | 143 | 0 |
| 31 Mar 16 | 261 | 1 | 147 | 0 |
| 31 Dec 15 | 228 | -16 | 147 | 0 |
| 30 Sep 15 | 280 | 5 | 151 | 0 |
| 30 Jun 15 | 293 | 20 | 150 | 0 |
Kaliteli Kazançlar: OFG yüksek kaliteli kazançlar sağlıyor.
Büyüyen Kar Marjı: OFG 'nin mevcut net kar marjları (33.6%) geçen yılın (31.1%) sinden daha yüksektir.
Serbest Nakit Akışı ve Kazanç Analizi
Geçmiş Kazanç Büyüme Analizi
Kazanç Eğilimi: OFG şirketinin kazancı son 5 yılda yılda 10.8% oranında arttı.
Büyüme Hızlandırma: OFG 'un son bir yıldaki kazanç büyümesi ( 10% ) 5 yıllık ortalamasının ( 10.8% /yıl) altındadır.
Kazançlar vs. Sektör: OFG geçen yılki kazanç büyümesi ( 10% ) Banks sektörünün 22.8% performansını geride bırakmadı.
Özkaynak Getirisi
Yüksek ROE: OFG 'nin Özsermaye Getirisi ( 15.6% ) düşük olarak değerlendiriliyor.
Varlık Getirisi
Kullanılan Sermaye Getirisi
Geçmişte güçlü performans gösteren şirketleri keşfedin
Şirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/06/07 17:35 |
| Gün Sonu Hisse Fiyatı | 2026/06/05 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
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| Analist Konsensüs Tahminleri | +3 yıl |
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| Piyasa Fiyatları | 30 yıl |
| |
| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
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* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
OFG Bancorp 11 Bu analistlerden 4, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Joseph Gladue | B. Riley Securities, Inc. |
| Taylor Brodarick | Guggenheim Securities, LLC |
| Brett Rabatin | Hovde Group, LLC |