OakChart

OFG Bancorp

OFGFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 12:04 PM ET

51.35+0.17 (0.32%)
2026-11-11 18:05 CET
Market cap
2,142.41 USD m
Revenue, TTM
- USD m
Net income, TTM
225.22 USD m
Free cash flow, TTM
250.39 USD m
EPS diluted, TTM
5.25
P/E
9.78
Compare

Price

OFG against its 20, 50 and 200-day averages
2050200beat
45.0050.0055.00668K1.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26OFGclose 51.3520-day 51.3050-day 51.54200-day 47.2251.3552w high

5.7% under the 52-week high of 54.47 on 17 Aug 2026. 52-week low 35.71 on 23 Jan 2026. Last 15 sessions, 6.6% high to low

Profile

OFG
52-week range, 83% of the way up
35.7154.47

OFG Bancorp is a holding company, which engages in the provision of banking and financial services. It operates through the following segments: Banking, Wealth Management, and Treasury. The Banking segment includes its branches and traditional banking products such as deposits and commercial, consumer, and mortgage loans. The Wealth Management segment is involved in financial planning, money management and investment banking, brokerage services, insurance sales activity, corporate and individual trust and retirement services, and retirement plan administration services. The Treasury segment focuses on all its asset and liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.

IndexRUT
Employees2185
IPOMar 26, 1987
Beta0.75
ATR, 14d1.26
Rel volume0.25
Short float4.67%
Insider own0.91%
Inst own99.87%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap2.15B
Enterprise Value-
Income225.22M
Sales914.99M
Book/sh31.83
Cash/sh-
Dividend Est.1.40 (2.73%)
Dividend TTM1.35 (2.63%)
Dividend Ex-DateDec 31, 2026
Dividend Gr. 3/5Y19.68% 33.78%
Payout26.19%
Employees2185
IPOMar 26, 1987

Ratios

P/E9.78
Forward P/E9.92
PEG1.56
P/S2.35
P/B1.61
P/C-
P/FCF8.58
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.09
Debt/Eq0.47
LT Debt/Eq0.02
Option/ShortYes / Yes

Earnings

EPS (ttm)5.25
EPS next Y5.18
EPS next Q1.32
EPS this Y15.68%
EPS next Y-2.30%
EPS next 5Y6.37%
EPS past 3/5Y10.11% 28.35%
Sales past 3/5Y11.61% 8.68%
EPS Y/Y TTM19.22%
Sales Y/Y TTM2.09%
EPS Q/Q14.90%
Sales Q/Q-1.65%
EarningsOct 21 BMO
EPS/Sales Surpr.8.31% -0.75%

Ownership

Insider Own0.91%
Insider Trans-14.83%
Inst Own99.87%
Inst Trans1.58%
ROA1.85%
ROE16.61%
ROIC16.57%
Gross Margin-
Oper. Margin28.69%
Profit Margin24.61%
SMA200.09%
SMA50-0.38%
SMA2008.73%
Trades-

Technical

Shs Outstand42.00M
Shs Float41.48M
Short Float4.67%
Short Ratio6.92
Short Interest1.94M
52W High54.47 -5.74%
52W Low35.71 43.78%
Volatility3.18% 2.57%
ATR (14)1.26
RSI (14)51.19
Beta0.75
Rel Volume0.25
Avg Volume279.70K
Volume29,685

Performance

Perf Week-0.32%
Perf Month0.95%
Perf Quarter-4.10%
Perf Half Y16.32%
Perf YTD25.29%
Perf Year26.93%
Perf 3Y63.68%
Perf 5Y90.66%
Perf 10Y309.12%
Recom2.60
Target Price56.25
Prev Close51.18
Price51.35
Change %0.32%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Aug 10, 2026ResumedWWells FargoEqual Weight$55+7.1%
Jul 15, 2026InitiatedTThe Benchmark CompanyHold
Jan 23, 2026DowngradeKKeefe BruyetteOutperform → Mkt Perform$43-16.3%
Jan 15, 2026ResumedPPiper SandlerNeutral
Oct 09, 2025InitiatedTTruistBuy$50-2.6%
Apr 24, 2025ReiteratedHHovde GroupOutperform$53.50 → $50-2.6%
Apr 09, 2025DowngradeWWells FargoOverweight → Equal Weight$42-18.2%
Aug 26, 2024ResumedPPiper SandlerOverweight$49-4.6%
Jul 22, 2024ReiteratedHHovde GroupOutperform$44 → $51-0.7%
Apr 12, 2022ResumedKKeefe BruyetteOutperform$35-31.8%

Peers

Mkt cap
TickerCompanyMkt cap
FBPFirst Bancorp PR3.93B
BPOPPopular Inc9.96B
BKUBankUnited Inc3.03B
AMTBAmerant Bancorp Inc1.18B
IBOCInternational Bancshares Corp4.19B
BOHBank of Hawaii Corp2.73B
FHBFirst Hawaiian INC3.02B
SBCFSeacoast Banking Corp Of Florida3.25B
CPFCentral Pacific Financial Corp987.59M
USCBUSCB Financial Holdings Inc368.00M

Insider trading

12 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Arizmendi MaritzaChief Financial OfficerAug 14 '26Sale53.3510,000533,48056,684Aug 14 06:08 PM
Maritza ArizmendiChief Financial OfficerAug 14 '26Proposed Sale53.4610,000534,600Aug 14 05:24 PM
De Jesus NestorDirectorAug 12 '26Sale53.004,000212,00020,040Aug 14 04:39 PM
Nestor De JesusDirectorAug 07 '26Proposed Sale52.894,000211,560Aug 06 06:21 PM
FERNANDEZ JOSE RAFAELCEO; Chairman BODJul 24 '26Sale52.4552,3522,745,773152,657Jul 28 04:26 PM
Jose Rafael FernandezCEO; Chairman BODJul 24 '26Proposed Sale52.4552,3522,745,773Jul 24 05:13 PM
FRANQUI ANNETTEDirectorFeb 20 '26Buy42.061,54064,7803,440Feb 20 05:01 PM
De Jesus NestorDirectorDec 22 '25Sale42.312,00084,62822,690Dec 22 05:58 PM
Nestor De JesusDirectorDec 22 '25Proposed Sale42.312,00084,628Dec 22 05:54 PM
Ortiz Cesar AChief Risk OfficerDec 15 '25Sale42.175,500231,962351Dec 15 05:31 PM
Cesar A OrtizChief Risk OfficerDec 15 '25Proposed Sale42.695,500234,819Dec 15 05:25 PM
FERNANDEZ JOSE RAFAELCEO; Chairman BODNov 12 '25Sale40.9525,2321,033,364184,675Nov 12 05:10 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
SDVYFirst Trust SMID Cap Rising Dividend Achievers ETFAUM: 11.33B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B

News

latest 14 of 202
  • OFG Bancorp Increases Regular Quarterly Common Stock Cash Dividend to $0.40 (Business Wire)
  • OFG Bancorp Beats On EPS, But The Margin Story Turns As Fed Hike Lifts Funding Costs (Earnings Whispers)
  • OFG: Q3 Earnings Snapshot (Associated Press)
  • OFG Bancorp Reports 3Q26 Results (Business Wire)
  • OFG Bancorp to Report 3Q26 Results and Hold Call Wednesday, October 21, 2026 (Business Wire)
  • Loading…
  • OFG Bancorp Declares Regular Quarterly Common Stock Dividend (Business Wire)
  • OFG Bancorp (OFG) Q2 2026 Earnings Call Highlights: Strong EPS Growth and Strategic Advances (GuruFocus.com) +5.80%
  • OFG: Q2 Earnings Snapshot (Associated Press)
  • OFG Bancorp Reports 2Q26 Results (Business Wire)
  • Hunting for Dividends? Don't Overlook These Small-Caps. (Barrons.com)
  • OFG Bancorp to Report 2Q26 Results and Hold Call Tuesday, July 21, 2026 (Business Wire)
  • OFG Bancorp Declares Regular Quarterly Common Stock Dividend (Business Wire)
  • OFG Bancorp (OFG) Q1 2026 Earnings Call Highlights: Strong Earnings Growth and Strategic ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-211.3301.2281.330185.7187.115
2026Q22026-07-211.3901.1661.386190.3182.645
2026Q12026-04-211.2600.9951.256185.8176.754
2025Q42026-01-221.2701.1481.273185.4184.174
2025Q32025-10-221.1601.1701.161184187.024
2025Q22025-07-171.1501.0501.150182.2181.683
2025Q12025-04-231.0000.9681.001178.3175.164
2024Q42025-01-221.0900.9651.089181.9176.154
2024Q32024-10-161.0001.0231.003174.1178.254
2024Q22024-07-181.0800.9611.085179.4176.094
2024Q12024-04-181.0500.9501.050174.2175.034
2023Q42024-01-240.9800.9300.983175.6172.294
2023Q32023-10-200.9500.9480.947172.2171.74
2023Q22023-07-200.9300.8830.930170.5165.344
2023Q12023-04-200.9600.8630.964164.4162.994
2022Q42023-01-260.9700.9180.967168.3162.44

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.8600.5680.883368.22366.58
2018FY1.5201.4901.517388.13384.6
2019FY0.9201.4830.915396.16408.2
2020FY1.3201.3401.315519.3524.1
2021FY2.8102.8932.821536.6533.77
2022FY3.4403.3833.432607.8603.89
2023FY3.8303.7783.825682.7680.36
2024FY4.2304.0984.225709.6705.57
2025FY4.5804.4604.580729.8730.25
2026FY-5.298--750.8
2027FY-5.176--764.95
2028FY-5.512--789.83

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-30400189.25187.6190.19
2026Q4S2026-10-21400189.47187.6190.6
2026Q4S2026-10-20400189.4188.7190.6
2026Q4S2026-10-04410189.4188.7190.6
2026Q4S2026-09-29440189.4188.7190.6
2026Q4S2026-08-06440189.45188.7190.8
2026Q4S2026-07-21430187.54183.19189.38
2026Q4S2026-07-13400182.37181.5183.2
2026Q4S2026-07-05300182.09181.5183.19
2026Q4S2026-07-02310182.09181.5183.19
2026Q4S2026-04-21310181.74181.5182.14
2026Q4S2026-04-18300180.75179.99181.76
2026Q4S2026-04-13301180.75179.99181.76
2026Q4S2026-04-07401182.36179.99187.2

Estimate history

EPS, annual0.8831.5170.9151.3152.8213.4323.8254.2254.5825.2489
Period201720182019202020212022202320242025TTM
EPS, quarterly1.0031.0891.0011.151.1611.2731.2561.3861.334
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual419.243435.852453.15595.565591.326649.41776.949870.514902.886914.99
Period201720182019202020212022202320242025TTM
Sales, quarterly214.626221.917217.711224.468232.119229.64226.407230.649228.292
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual43.94751.29451.39951.38749.63647.58147.06545.4443.25742.005
Period201720182019202020212022202320242025MRQ
Shares, quarterly46.55945.4444.92444.74244.26543.25742.25742.26542.005
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income784.24780.94750.28648.88515.57449.20473.35373.80360.42
Total Interest Expense166.82172.47161.8488.0133.4941.8364.9251.0044.52
Net Interest Income617.43608.47588.44560.87482.08407.37408.43322.79315.89
Loan Loss Provision85.52107.5182.2560.6424.120.2292.6796.7956.11
Net Interest Income After Loan Loss Provision531.91500.95506.19500.23457.96407.15315.76226.00259.79
Non-Interest Income130.75121.95120.24128.07133.84142.13122.2279.3675.43
Non-Interest Expense400.15388.79372.68363.77346.05323.13323.41212.34202.42
Operating Income262.51234.12253.75264.53245.75226.14114.5793.02132.80
Unusual Expense0.000.000.000.001.537.1121.9424.060.00
Net Income Before Taxes262.51234.12253.75265.25244.10214.6094.8375.25132.80
Income Taxes37.2929.0155.5883.3877.8768.4520.5021.4148.39
Consolidated Net Income225.22205.10198.17181.87166.24146.1574.3353.8484.41
Net Income From Continuing Operations225.22205.10198.17181.87166.24146.1574.3353.8484.41
Net Income225.22205.10198.17181.87166.24144.9067.8147.3372.39
EPS (Recurring)5.314.584.233.823.452.921.611.241.52
EPS (Basic, Before Extraordinaries)5.274.604.253.853.462.841.320.921.59
EPS (Diluted)5.254.584.233.823.432.821.320.921.52
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense4.954.935.663.953.314.561.581.561.11
Price To Earnings Ratio9.759.7510.279.848.809.4214.0925.7810.86
Price To Sales Ratio2.322.032.282.292.062.311.602.691.94
Operating Margin28.6925.9329.1534.0537.8438.2419.2420.5330.47
Net Margin24.6122.7222.7623.4125.6024.5011.3910.4416.61
Shares Outstanding42.0043.2645.4447.0747.5849.6451.3951.4051.29
Market Capitalization2,142.412,142.411,942.401,763.731,310.841,323.95951.981,212.31844.30

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income195.74197.15194.13197.22200.15194.35189.22190.16
Total Interest Expense42.1739.8540.3144.4845.4242.4240.1541.02
Net Interest Income153.57157.30153.81152.74154.72151.93149.07149.14
Loan Loss Provision18.1413.0122.4831.8928.2621.6825.6930.19
Net Interest Income After Loan Loss Provision135.43144.29131.33120.86126.47130.25123.38118.95
Non-Interest Income32.5533.5032.2832.4231.9730.1228.4931.75
Non-Interest Expense96.17103.3194.82105.8597.0794.4992.4297.92
Operating Income71.8174.4868.7947.4261.3765.8859.4552.79
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes71.8174.4868.7947.4261.3765.8859.4552.79
Income Taxes15.2015.7114.86-8.479.5314.0813.882.44
Consolidated Net Income56.6158.7853.9455.8951.8451.8045.5750.35
Net Income From Continuing Operations56.6158.7853.9455.8951.8451.8045.5750.35
Net Income56.6158.7853.9455.8951.8451.8045.5750.35
EPS (Recurring)1.331.391.261.271.161.151.001.09
EPS (Basic, Before Extraordinaries)1.341.391.261.281.171.151.011.10
EPS (Diluted)1.331.391.261.271.161.151.001.09
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.301.271.091.281.461.531.611.93
Price To Earnings Ratio9.7510.148.829.3110.2510.249.4710.27
Price To Sales Ratio2.322.261.901.992.172.192.082.25
Operating Margin31.4532.2930.3920.6526.4429.3527.3123.79
Net Margin24.8025.4823.8224.3422.3323.0820.9322.69
Shares Outstanding42.0042.2742.2643.2644.2644.7444.9245.44
Market Capitalization2,142.412,073.621,742.341,801.281,936.141,922.281,818.521,942.40

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks1,036.07584.47743.55546.302,014.702,143.67845.98445.13481.21
Investments2,862.952,744.682,719.742,016.27988.51515.631,115.271,296.331,187.20
Net Loans7,998.707,616.107,373.276,682.656,246.656,457.326,622.264,421.234,044.06
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances22.4431.5325.5828.6135.3333.3521.6016.9427.66
Real Estate Assets5.9510.6014.8115.8316.9813.4133.2436.7547.72
Net Property, Plant & Equipment114.81123.71125.83132.18120.97115.17120.2268.8967.86
Interest Receivables71.1171.6771.4062.4056.5665.5537.1234.2549.97
Deferred Tax Assets151.91151.16160.12238.30288.75357.18370.84150.55167.30
Other Intangible Assets249.26311.74265.35279.05320.95319.44325.24150.06155.95
Total Assets12,513.2111,645.6511,499.6510,001.6010,089.4110,020.719,491.766,620.146,228.93
Total Deposits10,262.759,604.799,762.178,568.368,603.128,415.647,698.614,908.114,799.48
Total Debt580.46422.56224.8054.4095.06134.82344.97569.46328.06
Long Term Debt417.1069.91216.5018.4657.3596.03162.19321.17155.44
Provision for Risks Charges1.700.881.200.731.000.000.000.000.00
Deferred Tax Liabilities47.55185.63177.64182.82189.69194.70194.1036.7939.88
Other Liabilities230.74177.42140.36152.87131.38189.57220.38105.90116.41
Total Liabilities11,123.2010,391.2810,306.178,959.199,020.258,934.748,458.055,620.275,283.82
Preferred Stock - Carrying Value0.000.000.000.000.0092.0092.0092.0092.00
Common Equity1,390.011,254.371,193.481,042.411,069.16993.98953.48907.88853.11
Total Shareholders Equity1,390.011,254.371,193.481,042.411,069.161,085.971,045.48999.88945.11
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity1,390.011,254.371,193.481,042.411,069.161,085.971,045.48999.88945.11
Total Liabilities & Stockholders Equity12,513.2111,645.6511,499.6510,001.6010,089.4110,020.719,503.536,620.146,228.93
Book Value Per Share32.1327.6025.3621.9121.5419.3418.5517.7019.41
Tangible Book Value Per Share29.9625.4323.1319.5619.0816.7715.7715.9617.35
Tier 1 Capital1,318.631,256.911,174.201,037.38999.281,010.95852.31928.58842.13
Tier 2 Capital118.96110.79104.3395.2787.6185.8286.6861.9257.12
Full-Time Employees2,1852,2462,2482,2492,2692,2752,4311,3921,408
Price to Book Ratio1.611.491.611.321.230.961.270.930.54
Return on Assets1.701.711.691.651.450.760.671.310.82
Return on Equity15.5116.1916.2715.7513.566.975.268.685.64
Return on Invested Capital11.3514.9612.9015.6712.976.294.466.394.78
Current Ratio0.150.130.150.140.420.500.260.220.28

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations171.04106.77287.80294.94170.9783.71-33.35161.74113.76
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital103.00110.95-35.300.71-6.5216.33-55.29-19.3219.77
Cash from Operating Activities274.04217.72252.50295.66164.46100.04-88.64142.41133.52
Capital Expenditures-23.64-18.38-41.71-17.86-31.00-23.05-15.26-12.97-11.49
Net Assets From Acquisitions0.000.000.000.000.000.00-0.40-425.240.00
Sale of Fixed Assets and Businesses1.441.420.000.044.780.570.05494.741.67
Purchase or Sale of Investments201.2584.4878.40-518.27-1,014.74-250.60893.05895.75-4.62
Purchase of Investments-446.83-531.39-1,332.19-1,076.40-1,467.86-417.07-38.23-2.20-271.81
Sale Or Maturity of Investments648.08615.881,410.59558.13453.12166.47931.28897.95267.19
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.001.060.000.000.000.00
Cash from Investing Activities-311.43-438.38-335.98-1,404.74-1,512.94-182.93881.10809.38-488.94
Cash Dividends Paid-56.19-51.87-45.65-41.01-30.09-20.97-20.89-20.88-24.82
Change in Capital Stock-100.60-95.12-74.69-20.34-65.02-141.59-1.641.290.51
Repurchase of Common Pref Stock-100.60-95.12-74.69-20.34-65.02-141.87-2.230.000.00
Sale of Common Pref Stock0.000.000.000.000.000.280.581.290.51
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net100.40155.01200.00173.07-36.51-39.17-202.94-264.34241.41
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities-136.18669.86-73.561,306.80-124.70-49.04510.36-549.10317.24
Net Change in Cash-173.58449.20-157.04197.71-1,473.19-131.931,302.82402.69-38.17
Free Cash Flow250.39199.34231.16277.80133.4676.99-103.90129.45122.03
Preferred Dividends (Cash Flow)-0.000.000.000.00-1.25-6.51-6.51-12.02
Price to Free Cash Flow10.9412.4410.707.5312.9124.36-11.258.69
Federal Home Loan Advances Increase (Decrease)--3.14-9.79-8.48-0.042.314.772.171.35

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks560.49740.45631.671,036.07737.08844.49
Investments2,733.712,709.732,802.252,862.952,958.202,810.89
Net Loans8,256.578,109.208,031.117,998.707,919.487,990.65
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment119.35115.24113.01114.81123.45119.38
Interest Receivables69.1470.1369.6971.1171.5973.78
Deferred Tax Assets127.36113.34120.43151.917.477.05
Other Intangible Assets247.82271.19250.74249.26374.52350.33
Total Assets12,144.4812,154.5712,047.9012,513.2112,229.8112,231.51
Total Deposits9,988.929,983.139,849.2710,262.7510,008.6310,144.17
Total Debt625.18576.46577.17580.46580.47501.82
Long Term Debt22.2317.46416.31417.10422.57470.85
Provision for Risks Charges1.201.101.201.701.301.00
Deferred Tax Liabilities0.760.610.3447.5550.3048.37
Other Liabilities191.55186.00253.03230.74213.69201.70
Total Liabilities10,807.6010,747.3010,681.0111,123.2010,854.4010,897.06
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,336.881,407.271,366.891,390.011,375.421,334.45
Total Shareholders Equity1,336.881,407.271,366.891,390.011,375.421,334.45
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,336.881,407.271,366.891,390.011,375.421,334.45
Total Liabilities & Stockholders Equity12,144.4812,154.5712,047.9012,513.2112,229.8112,231.51
Book Value Per Share31.8333.3032.3532.1331.0729.83
Tangible Book Value Per Share29.6631.1230.1429.9628.9227.67
Tier 1 Capital1,390.581,359.871,312.871,318.631,313.561,293.04
Tier 2 Capital124.10121.64120.40118.96117.16116.41
Full-Time Employees2,1562,1852,1812,1852,2172,222
Price to Book Ratio1.611.521.261.321.461.48
Return on Assets1.851.811.801.701.681.66
Return on Equity16.6116.0816.0415.5114.8215.20
Return on Invested Capital4.174.133.023.092.882.87
Current Ratio0.090.110.100.150.130.14

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations64.82126.1251.49-71.3961.6059.23
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital23.69-72.9321.63130.60-22.10-23.30
Cash from Operating Activities88.5053.2073.1259.2139.5035.93
Capital Expenditures-5.26-8.13-4.36-5.90-3.99-4.15
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.020.001.420.000.00
Purchase or Sale of Investments-110.88118.2171.86122.06-94.1458.17
Purchase of Investments-218.50-1.21-52.24-174.89-204.88-51.33
Sale Or Maturity of Investments107.62119.41124.09296.95110.74109.51
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-285.65-52.26-1.3927.88-60.08-308.86
Cash Dividends Paid-14.88-14.89-13.06-13.36-13.49-13.57
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-13.55-0.10-46.84-40.11-20.40-7.75
Repurchase of Common Pref Stock-13.55-0.10-46.84-40.11-20.40-7.75
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net45.400.00-0.010.0172.66227.34
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities18.21108.27-475.56212.90-90.87414.12
Net Change in Cash-178.93109.21-403.84299.99-111.45141.20
Free Cash Flow83.2545.0668.7753.3235.5231.78
Price to Free Cash Flow10.9414.0712.7912.2014.9313.01

Revenue breakdown

Puerto Rico2024: 711.69M 2025: 731.44M
Banking2024: 558.39M 2025: 575.35M
Treasury2024: 116.75M 2025: 117.25M
Wealth Management2024: 36.55M 2025: 38.85M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.67%1.9M41.5M269.98K
2026-10-155.15%2.2M41.9M268.64K
2026-09-305.03%2.1M41.9M278.74K
2026-09-154.97%2.1M41.9M325.34K
2026-08-313.93%1.6M41.9M336.80K
2026-08-143.57%1.5M41.9M340.46K
2026-07-313.93%1.6M41.9M342.22K
2026-07-154.20%1.8M41.8M346.12K
2026-06-303.97%1.7M41.8M327.06K
2026-06-153.29%1.4M41.7M306.84K
2026-05-293.15%1.3M41.8M316.82K
2026-05-152.86%1.2M41.8M323.76K
2026-04-302.64%1.1M42.6M351.59K
2026-04-152.52%1.1M42.6M365.09K
2026-03-312.57%1.1M42.6M363.95K
2026-03-132.58%1.1M42.6M326.52K
2026-02-272.56%1.1M42.6M296.58K
2026-02-132.40%1.0M43.5M298.21K
2026-01-301.73%0.8M43.5M280.04K
2026-01-151.90%0.8M43.4M263.39K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0029.8033.800.005.3480.000.000.953-0.1960.008
call22.5027.3031.000.004.7690.000.000.946-0.1930.009
call25.0024.8028.800.004.2580.000.000.939-0.1900.010
call30.0019.7023.000.003.3740.000.000.923-0.1810.012
call35.0014.2018.700.002.9120.000.000.901-0.1690.014
call40.009.2013.700.002.2070.000.000.868-0.1520.017
call45.004.108.500.001.5450.000.000.811-0.1270.022
call50.001.152.301.850.49010.000.000.633-0.0940.030
call55.000.000.050.050.2692,3153080.146-0.0410.018
put20.000.001.150.004.2580.000.00-0.041-0.1660.007
put22.500.001.150.004.0410.000.00-0.052-0.1940.009
put25.000.001.150.003.5990.000.00-0.060-0.1910.010
put30.000.000.950.002.8300.000.00-0.076-0.1810.012
put35.000.000.950.002.1780.000.00-0.098-0.1680.014
put40.000.000.950.001.5950.000.00-0.131-0.1510.017
put45.000.000.950.001.0490.000.00-0.188-0.1260.022
put50.000.001.300.500.5948.000.00-0.366-0.0930.030
put55.001.506.004.101.17621.000.00-0.854-0.0390.018

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-09-174Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-09SEC
2026-08-284Statement of changes in beneficial ownership of securities2026-08-26SEC
2026-08-284Statement of changes in beneficial ownership of securities2026-08-26SEC
2026-08-144Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-144Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-14144Filing for proposed sale of securities under Rule 144.SEC
2026-08-06144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-24144Filing for proposed sale of securities under Rule 144.SEC
2026-07-218-KCurrent report2026-07-21SEC
2026-06-2511-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-11SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-04SEC
2026-05-014Statement of changes in beneficial ownership of securities2026-04-29SEC
2026-04-28SCHEDULE 13GSEC
2026-04-28SCHEDULE 13GSEC
2026-04-284Statement of changes in beneficial ownership of securities2026-04-24SEC
2026-04-284Statement of changes in beneficial ownership of securities2026-04-24SEC
2026-04-27SCHEDULE 13GSEC
2026-04-244Statement of changes in beneficial ownership of securities2026-04-23SEC
2026-04-238-KCurrent report2026-04-22SEC
2026-04-218-KCurrent report2026-04-21SEC
2026-04-014Statement of changes in beneficial ownership of securities2026-03-30SEC
2026-04-014Statement of changes in beneficial ownership of securities2026-03-30SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800745.48K2
2026-07002.75M1
2026-060000
2026-050000
2026-040000
2026-030000
2026-0264.78K100
2026-010000
2025-1200316.59K2
2025-11002.25M3

Institutional holders

Manager% owned
BlackRock, Inc.14.58%
VANGUARD PORTFOLIO MANAGEMENT LLC7.38%
STATE STREET CORP5.89%
DIMENSIONAL FUND ADVISORS LP5.89%
FIRST TRUST ADVISORS LP5.58%
VANGUARD CAPITAL MANAGEMENT LLC4.44%
AMERICAN CENTURY COMPANIES INC4.11%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.70%
LSV ASSET MANAGEMENT3.31%
GEODE CAPITAL MANAGEMENT, LLC2.72%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF6.02%
First Trust SMID Cap Rising Dividend Achievers ETF4.98%
Avantis U.S. Small Cap Value ETF3.58%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.19%
Schwab U.S. Dividend Equity ETF2.74%
iShares Russell 2000 ETF2.50%
VANGUARD SMALL-CAP INDEX FUND2.29%
VANGUARD SMALL-CAP VALUE INDEX FUND1.45%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.12%

OakChart. OFG. Cached 15 minutes.