The Motley Fool·Oct 28, 2026
OFG: 3 Key Takeaways for Long-Term InvestorsEarnings per share rose nearly 15% year over year to $1.33. Active digital users grew 24% year over year.
OFG's net interest income has plateaued near $150M per quarter, with Q3 2026 NII of $153.6M down 0.7% year over year, suggesting the core spread engine is no longer compounding.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 21, 2026 | $1.33+8.1% vs $1.23 | $186M-0.8% vs $187M |
Q3 2026 Jul 21, 2026 | $1.39+18.8% vs $1.17 | $190M+4.2% vs $183M |
Q2 2026 Apr 21, 2026 | $1.26+23.5% vs $1.02 | $186M+5.1% vs $177M |
Q1 2026 Jan 22, 2026 | $1.27+9.5% vs $1.16 | $185M+0.7% vs $184M |
Earnings per share rose nearly 15% year over year to $1.33. Active digital users grew 24% year over year.
OFG (OFG) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
OFG Bancorp (OFG) Q3 2026 Earnings Call Transcript
OFG Bancorp NYSE: OFG reported third-quarter 2026 earnings per share of $1.33, up 15% from a year earlier, as commercial loan growth, expense discipline and stable credit performance supported results. Chief Executive Officer and Chairman José Rafael Fernández said the company delivered “excellent performance across the board” while continuing to invest in its digital banking strategy.
Benchmark OFG against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for OFG Bancorp (OFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $50.82 | $2.15B | 9.58 | 4.42% | 30.14% | 16.38% | 2.15% | |
| $26.00 | $3.97B | 10.73 | 10.75% | 35.26% | 18.91% | 2.76% | |
| $156.52 | $10.1B | 9.65 | 13.87% | 29.97% | 16.24% | 1.87% | |
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% | |
| $15.47 | $31.26B | 12.72 | 10.58% | 24% | 8.17% | 3.9% |
OFG Bancorp (OFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
OFG Bancorp (OFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 21, 2026·SEC
Jul 21, 2026·SEC
Apr 23, 2026·SEC
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OFG Bancorp (OFG) stock FAQ — growth, dividends, profitability & financials explained
OFG Bancorp (OFG) grew revenue by 10.7% over the trailing twelve months, compared with the twelve months before.
Yes. OFG Bancorp (OFG) earned $225.2M in net income over the trailing twelve months (a 30.1% net margin).
Yes. OFG Bancorp (OFG) pays a dividend that yields 2.15% at the current price, a moderate yield.
OFG Bancorp (OFG) had a return on equity (ROE) of 16.4% over the trailing twelve months. That is above the market's typical 10-15%.
OFG Bancorp (OFG) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
OFG Bancorp (OFG) has an efficiency ratio of 50.5%. This is excellent, indicating strong cost control.
