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OFG BancorpOFG +0.33%79 Cash-to-Debt is 1.56 as of Jun. 2026, which is 57% below its 10-year median of 3.61. GuruFocus rates OFG with a GF Score™ of 79/100 and a GF Value™ of $46.12 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, OFG Bancorp ranks better than 52.82% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. OFG Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.56.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, OFG Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for OFG Bancorp's Cash-to-Debt or its related term are showing as below:
OFG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.33 Med: 3.61 Max: 31.82
Current: 1.56
During the past 13 years, OFG Bancorp's highest Cash to Debt Ratio was 31.82. The lowest was 1.33. And the median was 3.61.
OFG's Cash-to-Debt is ranked better than 52.82% of 1492
companies
in the Banks industry
Industry Median: 1.395
vs OFG: 1.56
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
OFG Bancorp Cash-to-Debt Related Terms
OFG Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for OFG Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, OFG Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OFG Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, OFG Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where OFG Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OFG Bancorp (OFG) has a Cash-to-Debt of 1.56 as of Jun. 2026. This is 57% below median its historical median of 3.61. Over the past decade, OFG Bancorp's Cash-to-Debt has ranged from 1.33 to 31.82. According to the industry distribution chart, OFG Bancorp ranks #704 out of 1492 companies in the Banks industry, placing it in the top 47.2%.
Is OFG Bancorp's Cash-to-Debt too high?
OFG Bancorp's current Cash-to-Debt of 1.56 is 57% below median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 31.82. The Banks industry median Cash-to-Debt is 1.40. OFG Bancorp's value of 1.56 is 11.8% above this industry median. Based on the distribution chart, OFG Bancorp ranks #704 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, OFG Bancorp has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's Cash-to-Debt compare to BLX and MBIN?
According to the Banks industry distribution chart, OFG Bancorp ranks #704 out of 1492 companies for Cash-to-Debt. This puts OFG Bancorp in the upper half of its industry. The industry median Cash-to-Debt is 1.40. OFG Bancorp's value of 1.56 is 11.8% above this benchmark. Historically, OFG Bancorp's own Cash-to-Debt has ranged from 1.33 to 31.82 over the past decade. While the company's 10-year median is 3.61 vs. the industry median of 1.40, OFG Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current Cash-to-Debt of 1.56 is 11.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current Cash-to-Debt is 1.56, which is 57% below median its own 10-year median of 3.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OFG Bancorp stock overvalued right now?
Based on GuruFocus' analysis, OFG Bancorp (OFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.12, compared to a current price of $51.78 — trading 12.3% above its estimated fair value. The current Cash-to-Debt is 1.56, which is 57% below median its 10-year median of 3.61 and 11.8% above the Banks industry median of 1.40. OFG Bancorp's overall GF Score™ is 79/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For OFG Bancorp (OFG), the current Cash-to-Debt is 1.56 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OFG Bancorp (OFG) Overvalued in 2026?
Based on GuruFocus' analysis, OFG Bancorp stock appears to be overvalued.
The current stock price of $51.78 is trading 12.3% above its estimated GF Value™ of $46.12.
GuruFocus considers OFG Bancorp to be Modestly Overvalued.
Key valuation signals for OFG:
Cash-to-Debt: 1.56 (57% below median its 10-year median of 3.61)
GF Value™: $46.12 vs. price of $51.78 (12.3% above fair value)
Industry Position: 11.8% above the Banks median (#704 of 1492)
No single metric tells the full story. See the OFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OFG Bancorp is a financial holding company, through its subsidiaries provides banking and financial services. It operates through three segments namely Banking, Wealth Management, and Treasury. It serves to clients such as commercial, consumer, auto, and mortgage lending, checking and savings accounts, financial planning, insurance, financial services, and investment brokerage, and corporate and individual trust and retirement services. The company derives maximum revenue from Banking Segment. It provides services in the region of Puerto Rico.
79GF Score
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