OFG Bancorp
S&P 600
$52.66
+0.19%
Delayed · cached 15 min
Fair value analysis
OFG
OFG Bancorp
$52.66
Close used for this calculation
$81.65Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
67/100
Quality radar
Consensus fair value
$81.65
Below FV▲ +55.1% against the close used
Model range $54.09 – $91.60
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear$54.09Fair value$81.65Bull$91.60
FairClose
52-week traded range
52W low $37.1552W high $53.95
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading below the consensus fair value
OFG Bancorp closed at $52.66, 35.5% below the consensus fair value of $81.65 drawn from 8 valuation models.
Financial DNA score 67/100 — Strong. P/E of 11.5x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
$88.35
+67.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$58.42
+10.9%
√(22.5 × EPS × BVPS)
EPS=4.58, BVPS=33.12
P/E Fair Value
$91.60
+73.9%
EPS × 20x (sector P/E)
EPS=4.58, Sector P/E=20x
Peter Lynch (PEG)
$54.09
+2.7%
EPS × Growth% (PEG = 1 is fair)
EPS=4.58, g=11.8%
EV/EBITDA
$90.42
+71.7%
(EBITDA × 15.9x − Net Debt) ÷ Shares
EBITDA=254.58M
Book Value (P/B)
$70.96
+34.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=33.12, ROE=14.6%, g=6%, r=10%
Reverse DCF
$52.66
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -0.4% | Historical: 11.8%
Margin of Safety
$59.59
+13.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=79.46, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.