OFG Bancorp (FRA:OFP) Cyclically Adjusted Book per Share: €0.00 (As of Jun. 2026)

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FRA:OFP OFG Bancorp FRA:OFP
70 GF Score
Price €45.80
GF Value €38.40
Valuation Modestly Overvalued
! 6 Warning Signs
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What is OFG Bancorp Cyclically Adjusted Book per Share?

OFG Bancorp FRA:OFP -0.87% 70 Cyclically Adjusted Book per Share is €0.00 as of Jun. 2026. GuruFocus rates FRA:OFP with a GF Score™ of 70/100 and a GF Value™ of €38.40 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

OFG Bancorp's adjusted book value per share for the three months ended in Jun. 2026 was €28.901. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, OFG Bancorp's average Cyclically Adjusted Book Growth Rate was 7.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 5.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of OFG Bancorp was 13.90% per year. The lowest was 3.90% per year. And the median was 7.25% per year.

As of today (2026-08-07), OFG Bancorp's current stock price is €45.80. OFG Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €0.00. OFG Bancorp's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of OFG Bancorp was 2.08. The lowest was 0.53. And the median was 1.26.


OFG Bancorp  (FRA:OFP) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of OFG Bancorp was 2.08. The lowest was 0.53. And the median was 1.26.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


OFG Bancorp Cyclically Adjusted Book per Share Related Terms


OFG Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for OFG Bancorp's Cyclically Adjusted Book per Share 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.

OFG Bancorp Cyclically Adjusted Book per Share Chart

OFG Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.59 19.74 20.22 22.68 21.22

OFG Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.64 21.09 21.22 21.60 0.00

FRA:OFP vs BLX, MBIN, NWBI: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, OFG Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, OFG Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where OFG Bancorp's Cyclically Adjusted PB Ratio falls into.


FRA:OFP
70GF Score
OFG Bancorp FRA:OFP
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OFG Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, OFG Bancorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=28.901/333.9520*333.9520
=28.901

Current CPI (Jun. 2026) = 333.9520.

OFG Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 15.196 241.428 21.020
201612 16.070 241.432 22.228
201703 16.072 243.801 22.015
201706 15.451 244.955 21.065
201709 14.540 246.819 19.673
201712 14.788 246.524 20.032
201803 14.218 249.554 19.026
201806 15.216 251.989 20.165
201809 15.461 252.439 20.453
201812 15.558 251.233 20.681
201903 16.021 254.202 21.047
201906 16.429 256.143 21.420
201909 16.925 256.759 22.013
201912 16.695 256.974 21.696
202003 16.408 258.115 21.229
202006 16.419 257.797 21.269
202009 16.078 260.280 20.629
202012 15.900 260.474 20.385
202103 16.553 264.877 20.870
202106 16.966 271.696 20.854
202109 17.921 274.310 21.817
202112 19.063 278.802 22.834
202203 19.402 287.504 22.537
202206 20.188 296.311 22.753
202209 21.105 296.808 23.746
202212 20.681 296.797 23.270
202303 21.373 301.836 23.647
202306 21.562 305.109 23.600
202309 21.812 307.789 23.666
202312 23.253 306.746 25.315
202403 23.686 312.332 25.326
202406 24.495 314.175 26.037
202409 25.508 315.301 27.017
202412 26.363 315.605 27.896
202503 26.672 319.799 27.852
202506 25.859 322.561 26.772
202509 26.474 324.800 27.220
202512 27.442 324.054 28.280
202603 27.980 330.213 28.297
202606 28.901 333.952 28.901

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €0.00 mean?
OFG Bancorp (FRA:OFP) has a Cyclically Adjusted Book per Share of €0.00 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on OFG Bancorp and its competitors.
Is OFG Bancorp's Cyclically Adjusted Book per Share too high?
OFG Bancorp's current Cyclically Adjusted Book per Share is €0.00. Overall, OFG Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's Cyclically Adjusted Book per Share compare to BLX and MBIN?
OFG Bancorp's Cyclically Adjusted Book per Share of €0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on OFG Bancorp and its competitors. OFG Bancorp's current Cyclically Adjusted Book per Share is €0.00. 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 (FRA:OFP) is currently considered Modestly Overvalued. The stock's GF Value™ is €38.40, compared to a current price of €45.80 — trading 19.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is €0.00. OFG Bancorp's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For OFG Bancorp (FRA:OFP), the current Cyclically Adjusted Book per Share is €0.00 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 (FRA:OFP) Overvalued in 2026?

Based on GuruFocus' analysis, OFG Bancorp stock appears to be overvalued. The current stock price of €45.80 is trading 19.3% above its estimated GF Value™ of €38.40. GuruFocus considers OFG Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:OFP:

  • Cyclically Adjusted Book per Share: €0.00
  • GF Value™: €38.40 vs. price of €45.80 (19.3% above fair value)
  • GF Score™: 70/100 with 6 warning signs

No single metric tells the full story. See the FRA:OFP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


OFG Bancorp Business Description

Other Exchanges OFG:USA
Address 254 Munoz Rivera Avenue, San Juan, PRI, 00918
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.
70GF Score

Get the complete analysis for FRA:OFP

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.80
Price
€38.40
GF Value