Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.58 | 9.41 | 8.83 | 8.03 | 8.68 | 9.37 | 9.30 | 10.01 | 9.71 | 11.23 | 8.67 | 8.76 | 9.56 | 8.03 | 7.01 | 6.49 | 7.10 | 7.22 | 7.56 | 8.76 | 10.06 |
| — | +0.4% | -5.1% | -19.8% | -10.6% | -16.5% | +7.3% | +14.2% | +1.5% | +39.9% | +23.7% | +34.9% | +34.6% | +11.2% | -7.3% | -25.9% | -29.4% | -7.2% | +6.6% | -13.2% | -2.3% | |
| P/S Ratio | 2.87 | 2.86 | 2.73 | 2.33 | 2.63 | 2.84 | 2.87 | 2.73 | 2.89 | 3.22 | 2.65 | 2.69 | 2.61 | 2.25 | 1.96 | 1.96 | 2.10 | 2.09 | 2.21 | 2.63 | 2.53 |
| — | +0.7% | -5.0% | -14.5% | -9.0% | -12.1% | +8.1% | +1.6% | +11.0% | +43.3% | +35.1% | +36.9% | +24.4% | +7.8% | -10.9% | -25.4% | -17.3% | -20.5% | -6.2% | +6.7% | +29.2% | |
| P/B Ratio | 1.73 | 1.59 | 1.48 | 1.27 | 1.40 | 1.41 | 1.44 | 1.41 | 1.56 | 1.60 | 1.44 | 1.43 | 1.49 | 1.32 | 1.13 | 1.10 | 1.27 | 1.22 | 1.21 | 1.27 | 1.25 |
| — | +12.6% | +2.4% | -9.6% | -10.5% | -11.8% | +0.5% | -1.9% | +4.9% | +21.8% | +27.7% | +30.6% | +17.3% | +8.0% | -7.0% | -13.4% | +1.5% | -1.2% | +13.0% | +20.0% | +42.0% | |
| P/FCF | 12.85 | — | 11.54 | 6.32 | 9.10 | 13.67 | 15.16 | 5.78 | 15.78 | 15.25 | 4.88 | 7.95 | 4.38 | 4.25 | 7.27 | 6.09 | 7.73 | 16.44 | 7.29 | 10.94 | — |
| — | — | -23.9% | +9.2% | -42.3% | -10.4% | +210.5% | -27.2% | +259.9% | +259.2% | -32.8% | +30.5% | -43.3% | -74.2% | -0.3% | -44.3% | — | -3.0% | -34.7% | +22.7% | — | |
| EV / EBITDA | 5.41 | 7.61 | 5.95 | 5.63 | 4.33 | 8.33 | 5.56 | 7.08 | 7.56 | 6.27 | 4.00 | 4.06 | 4.16 | 4.75 | 2.37 | 2.09 | 2.74 | 1.66 | -0.08 | -2.00 | -2.70 |
| — | -8.6% | +7.0% | -20.5% | -42.8% | +32.7% | +39.2% | +74.4% | +81.8% | +32.0% | +68.3% | +94.3% | +52.0% | +186.3% | +3061.1% | +204.8% | +201.3% | +133.7% | +98.6% | +63.5% | +63.4% | |
| EV / EBIT | 6.35 | 7.61 | 6.42 | 6.11 | 4.67 | 9.21 | 6.10 | 7.83 | 8.47 | 6.98 | 4.38 | 4.47 | 4.58 | 5.24 | 2.61 | 2.31 | 3.03 | 1.80 | -0.09 | -2.22 | -3.05 |
| — | -17.4% | +5.3% | -22.0% | -44.9% | +32.0% | +39.2% | +75.2% | +85.1% | +33.1% | +67.5% | +93.8% | +51.0% | +190.7% | +3073.0% | +204.0% | +199.5% | +133.4% | +98.6% | +64.1% | +65.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 89.0% | 90.3% | 93.2% | 87.9% | 100.0% | 83.5% | 87.1% | 84.6% | 82.1% | 87.0% | 90.6% | 90.7% | 88.4% | 89.7% | 90.5% | 93.8% | 94.4% | 95.1% | 95.2% | 98.8% | 94.5% |
| — | +8.1% | +7.0% | +3.9% | +21.7% | -4.0% | -3.9% | -6.7% | -7.1% | -3.1% | +0.2% | -3.3% | -6.4% | -5.6% | -5.0% | -5.0% | -0.1% | -8.6% | -10.8% | +4.3% | +7.0% | |
| Operating Margin | 38.5% | 38.6% | 39.0% | 37.0% | 43.0% | 35.8% | 39.2% | 35.7% | 31.2% | 37.7% | 42.9% | 41.9% | 40.2% | 41.2% | 41.7% | 42.8% | 43.2% | 43.1% | 42.6% | 43.2% | 36.9% |
| — | +7.6% | -0.5% | +3.7% | +37.8% | -5.0% | -8.5% | -14.9% | -22.3% | -8.3% | +2.7% | -2.0% | -7.0% | -4.5% | -2.0% | -1.0% | +17.2% | -13.0% | -12.7% | +14.9% | +50.0% | |
| Net Margin | 29.7% | 30.4% | 30.8% | 29.0% | 30.3% | 30.3% | 30.9% | 27.3% | 29.8% | 28.7% | 30.8% | 30.7% | 27.4% | 28.0% | 28.0% | 30.4% | 29.4% | 28.9% | 29.0% | 30.0% | 25.2% |
| — | +0.5% | -0.1% | +6.0% | +1.8% | +5.4% | +0.3% | -10.9% | +8.8% | +2.4% | +9.7% | +1.0% | -6.9% | -3.0% | -3.4% | +1.3% | +16.5% | -14.2% | -12.4% | +17.1% | +32.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.5% | 4.1% | 4.2% | 3.9% | 4.0% | 3.8% | 3.9% | 3.6% | 3.9% | 3.7% | 4.2% | 4.1% | 4.1% | 4.1% | 4.0% | 4.3% | 4.6% | 4.2% | 3.9% | 3.6% | 3.1% |
| — | +7.8% | +7.6% | +9.5% | +3.3% | +3.6% | -5.9% | -13.3% | -3.9% | -9.7% | +3.7% | -4.9% | -10.6% | -2.0% | +2.5% | +21.9% | +45.2% | +6.9% | +5.5% | +28.5% | +44.7% | |
| ROA | 1.7% | 0.5% | 0.5% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.3% |
| — | +10.0% | +12.3% | +12.2% | +3.2% | +2.4% | -5.2% | -11.1% | +1.6% | -6.5% | +3.7% | -5.1% | -7.5% | +7.1% | +11.1% | +24.6% | +43.7% | +4.4% | -0.1% | +22.9% | +38.2% | |
| ROIC | 10.9% | 2.7% | 2.8% | 2.6% | 3.0% | 2.4% | 2.9% | 2.7% | 2.4% | 3.0% | 3.7% | 3.6% | 3.4% | 3.4% | 3.7% | 4.0% | 4.8% | 4.4% | 4.1% | 3.6% | 3.1% |
| — | +13.3% | -1.1% | -4.0% | +25.8% | -20.4% | -22.2% | -23.0% | -29.9% | -10.6% | +0.9% | -11.0% | -27.9% | -23.4% | -10.7% | +11.7% | +53.4% | +15.3% | +11.9% | +32.0% | +67.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.42 | 0.47 | 0.41 | 0.42 | 0.42 | 0.42 | 0.40 | 0.21 | 0.34 | 0.22 | 0.18 | 0.18 | 0.19 | 0.43 | 0.23 | 0.23 | 0.05 | 0.06 | 0.06 | 0.06 | 0.09 |
| — | +10.8% | +3.3% | +98.4% | +24.0% | +90.1% | +118.7% | +15.8% | +78.8% | -48.5% | -20.1% | -20.6% | +260.9% | +676.1% | +304.5% | +313.7% | -41.3% | -55.2% | -54.6% | -54.0% | -28.4% | |
| Debt / EBITDA | 1.99 | 8.73 | 7.20 | 7.76 | 6.78 | 8.57 | 7.35 | 4.20 | 7.15 | 4.27 | 2.86 | 3.00 | 2.99 | 6.52 | 3.45 | 3.52 | 0.72 | 0.82 | 0.88 | 0.97 | 1.73 |
| — | +1.8% | -2.1% | +84.6% | -5.1% | +100.7% | +156.9% | +40.2% | +139.3% | -34.5% | -17.0% | -14.7% | +314.1% | +699.2% | +292.6% | +261.8% | -58.4% | -58.2% | -56.7% | -63.7% | -53.7% | |
| Current Ratio | 0.12 | 0.32 | 0.35 | 8.02 | 0.12 | 0.30 | 0.35 | 0.28 | 0.32 | 0.32 | 0.31 | 0.29 | 0.31 | 0.25 | 0.24 | 0.27 | 0.24 | 0.27 | 0.28 | 0.31 | 0.30 |
| — | +7.5% | -0.9% | +2754.0% | -63.7% | -6.7% | +11.7% | -3.7% | +3.9% | +27.7% | +28.6% | +9.1% | +27.6% | -7.0% | -14.3% | -15.0% | -21.5% | -25.4% | -23.0% | -6.9% | -4.2% | |
| Quick Ratio | 0.12 | 0.32 | 0.35 | 8.02 | 0.12 | 0.30 | 0.35 | 0.28 | 0.32 | 0.32 | 0.31 | 0.29 | 0.31 | 0.25 | 0.24 | 0.27 | 0.24 | 0.27 | 0.28 | 0.31 | 0.30 |
| — | +7.5% | -0.9% | +2754.0% | -63.7% | -6.7% | +11.7% | -3.7% | +3.9% | +27.7% | +28.6% | +9.1% | +27.6% | -7.0% | -14.3% | -15.0% | -21.5% | -25.4% | -23.0% | -6.9% | -4.2% | |
| Interest Coverage | 1.54 | 1.70 | 1.87 | 1.71 | 1.78 | 1.35 | 1.55 | 1.48 | 1.29 | 1.50 | 1.77 | 1.72 | 2.10 | 2.75 | 3.60 | 4.98 | 6.52 | 7.66 | 8.33 | 6.96 | 5.78 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying OFG stock.
OFG Bancorp's current P/E is 9.6x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
OFG Bancorp's current operating margin is 38.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking OFG Bancorp's business trajectory between earnings reports.