OFG BANCORP (OFG)
State Commercial Banks · Financial Services · $2.0B
Intrinsic Value (Consensus)
$72.11
Current Price
$47.74
Margin of Safety
+51%
51% Below Intrinsic Value
Value: $72
Price: $48
Valuation Model Estimates
Current Price: $47.74
DCF (Discounted Cash Flow)
$94.16
Graham Number
$58.22
Earnings Power Value
$44.47
Relative Value (P/E)
$91.60
Dividend Discount Model
$17.28
Consensus Value
$72.11
Model Assumptions
Discount Rate
10.3%
Growth Rate
8.3%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
7/25
Financial Health Signals
High free cash flow yield (9.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.58
- EPS (Forward)
- $4.96
- Book Value
- $32.89
- P/E Ratio
- 20.0
- Forward P/E
- 18.5
- PEG Ratio
- —
- ROE
- 14.8%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 8.3%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance