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OFG BancorpOFG +5.80%78 Equity-to-Asset is 0.11 as of Mar. 2026, which is at its 10-year median of 0.11. GuruFocus rates OFG with a GF Score™ of 78/100 and a GF Value™ of $44.07 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, OFG Bancorp ranks better than 64.63% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. OFG Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,366.9 Mil. OFG Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $12,047.9 Mil.
Therefore, OFG Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.11.
The historical rank and industry rank for OFG Bancorp's Equity-to-Asset or its related term are showing as below:
OFG'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.11 Max: 0.17
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of OFG Bancorp was 0.17. The lowest was 0.10. And the median was 0.11.
OFG's Equity-to-Asset is ranked better than 64.63% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs OFG: 0.11
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
OFG Bancorp Equity-to-Asset Related Terms
OFG Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for OFG Bancorp's Equity-to-Asset 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 vs FCF, NBHC, STEL: Equity-to-Asset Comparison
For the Banks - Regional subindustry, OFG Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, OFG Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where OFG Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
OFG Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on OFG Bancorp and its competitors. This is near median its historical median of 0.11. Over the past decade, OFG Bancorp's Equity-to-Asset has ranged from 0.10 to 0.17. According to the industry distribution chart, OFG Bancorp ranks #539 out of 1524 companies in the Banks industry, placing it in the top 35.4%.
Is OFG Bancorp's Equity-to-Asset too high?
OFG Bancorp's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.17. The Banks industry median Equity-to-Asset is 0.10. OFG Bancorp's value of 0.11 is 10% above this industry median. Based on the distribution chart, OFG Bancorp ranks #539 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, OFG Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's Equity-to-Asset compare to FCF and NBHC?
According to the Banks industry distribution chart, OFG Bancorp ranks #539 out of 1524 companies for Equity-to-Asset. This puts OFG Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. OFG Bancorp's value of 0.11 is 10% above this benchmark. Historically, OFG Bancorp's own Equity-to-Asset has ranged from 0.10 to 0.17 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on OFG Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.11. 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 $44.07, compared to a current price of $52.90 — trading 20% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.11 and 10% above the Banks industry median of 0.10. OFG Bancorp's overall GF Score™ is 78/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For OFG Bancorp (OFG), the current Equity-to-Asset is 0.11 as of Mar. 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 $52.90 is trading 20% above its estimated GF Value™ of $44.07.
GuruFocus considers OFG Bancorp to be Modestly Overvalued.
Key valuation signals for OFG:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.11)
GF Value™: $44.07 vs. price of $52.90 (20% above fair value)
Industry Position: 10% above the Banks median (#539 of 1524)
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.
78GF Score
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