OFG BancorpOFG
Price$50.69Intrinsic value$38.7124% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $38.71median of 2 methodsbased on filings through 30 Jun 2026
Market Price $50.69Price as of 1 Oct 2026
Margin of Safety -23.6%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 2.7% (near-term consensus, capped) · years 2–5: 7.2%/yr (balance of the path).6.3% per year
Years 6–10: glide to demonstrated growth own history 28.3%, capped at 20%
Per-year rates
Yr 67.0%Yr 76.8%Yr 86.7%Yr 96.5%Yr 106.3%
7.2% → 6.3%
Years 11–20: glide to long-run rate
Per-year rates
Yr 116.0%Yr 125.6%Yr 135.3%Yr 145.0%Yr 154.6%Yr 164.3%Yr 174.0%Yr 183.7%Yr 193.3%Yr 203.0%
6.3% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)28.3%
Discount rate (cost of equity) 8.5%
Volatility vs market (adjusted beta)0.80

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetOFG BancorpOFGFinancials
Valuation
P/E10.0×
P/S3.0×
P/B1.6×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin34.5%
Net margin30.2%
FCF margin27.8%
Returns
ROE15.7%
ROA1.8%
ROIC—
Growth
Revenue growth (YoY)2.8%
5-yr fwd EPS growth6.3%
Financial strength
Debt / Equity—
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.4%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.